【住宅ローン】金利1%時代へ突入！変動vs固定「総返済額」の逆転デッドラインを徹底シミュレーション

The video discussed is here:    • 35年ローンで家を買うな。令和の勝ち組を再現した衝撃シミュレーションの結果とは!?   [May 2026 Update] A historic turning point in mortgage interest rates has arrived. Variable interest rates have finally entered the 1% range. The Bank of Japan has hinted at further interest rate hikes, raising the policy interest rate to 0.75%… Is the "30-year legend of variable rates being the strongest" really coming to an end? If you're panicking and about to switch to a fixed interest rate out of anxiety, please wait a moment. In this video, based on thorough AI simulations, "At what point will variable interest rates lose out to fixed rates?" We will reveal the specific deadline. In fact, the battle for a mortgage is decided in the "first 10 years." Why is making accelerated payments after 30 years a "huge loss"? Why is borrowing 10 times your annual income ("Kaio-ken") a suicidal act in this day and age? At the forefront of the real estate industry, we, who champion "100-Year Real Estate," will passionately discuss "financial planning that can be successfully completed" to avoid being misled by sensational news. Value in real estate for a 100-year life. This channel, "100-Year Real Estate," focuses on the theme of "what truly valuable real estate is for a 100-year life," without being swayed by short-term prices or sales pitches. Building a home is not just about the "building," but about "life planning." No matter how magnificent a house is, if the location selection or financial planning is wrong, that house becomes a "liability" rather than an "asset." That's why 100-Year Real Estate believes that "location is 90% of home building." Choosing the right location is the only way to leave value for the future. Life is longer now. We believe you should buy a home that you intend to live in for a lifetime, but that can be "sold or rented at a high price" in the future. How can you achieve this? Marketability, profitability, and flexibility. Please use these three perspectives as a basis for choosing a property. For more details, please follow this channel.    • 【知らないと一生マイナス】人生100年時代に絶対選んではいけない土地・選ぶべき土地   Regarding Consultations • We will first conduct a meeting via Zoom or in person. • We can support you from the land search stage. • We can assist with financial planning and pre-approval for home loans. • We can serve the entire Kanto region. • Within approximately 2 hours by car from Koshigaya City, Saitama Prefecture. • We can propose land for custom-built homes, ready-built homes, used houses, and used condominiums. • We can also introduce you to house builders if you wish. Please feel free to contact us via our official LINE account or Instagram DM. Official LINE Account https://lin.ee/8nTFBvL Instagram https://www.instagram.com/iedukuri.vi... Let's think together about building a home that will become an asset for the future. --------------------------------------------------------------------------------------------- Akihito Toyoshima. Saitama Prefecture. Former top salesperson at Hinokiya Housing. At age 29, built his first two-family home. Considering the era of 100-year lifespans, he couldn't imagine spending his retirement in this house, so at age 39, he built his second two-family home, also considering future rental investment. When he sold his first home, he was able to sell it for almost the same amount as the initial loan, experiencing firsthand the importance of asset value. At age 40, he became independent and established KC Co., Ltd. Currently, as a real estate company, he is conducting land transactions throughout the Kanto region. --------------------------------------------------------------------------------------------- 00:00 Opening 01:08 Historical Turning Point 02:26 The Truth About Interest Burden 05:12 Interest Rate Rise Simulation 08:26 The Borderline for Reversal 09:24 Lessons from the Past 11:38 Points to Note about Flat 35 13:48 Risks of the Debt-to-Income Ratio 15:31 Who is it Suitable For and Who is Not? 18:16 Summary #Mortgage #HomeBuilding #VariableInterestRate #FixedInterestRate 100-Year Real Estate