借り換えより金利交渉が正解？利上げ時代の住宅ローン判断を数字で検証【2026年2月】

Refinancing or interest rate negotiation? In a rising interest rate environment, a wrong decision can make a difference of several million yen. We verified this through simulations based on negotiation practices and cost payback periods. ▼Sennichi Taro's Mortgage Loan Simulator https://jutaku-loan-sim.jutakuloan-mu... 【Table of Contents】 00:00 Interest rate negotiation is the right choice over refinancing in February 2026 (45-year-old refinancing) 01:54 Practical aspects of interest rate negotiation and the bank's perspective 03:16 The success rate of negotiations is increasing due to interest rate hikes and the LDP's landslide victory 05:41 Sennichi Taro's Mortgage Loan Simulator 07:16 What is the current variable interest rate, and how many more percentage points will it rise? 10:13 Simulation of refinancing from variable rate to Flat 35 12:07 Simulation of refinancing from variable rate to a lower variable rate 16:20 Time required to recover 1.2 million yen in refinancing costs 17:29 Simulation of negotiating interest rates with a variable rate 19:25 Time required to recover 60,000 yen in interest rate reduction costs 20:24 Summary and content of the second half [Exclusive Table of Contents] Member-only link →    • （限定）借り換えより金利交渉が正解？利上げ時代の住宅ローン判断を数字で検証【2026...   10 minutes 13 seconds ◆Simulation in a scenario where interest rates are raised 3 times a year for 2 years ◆Cases where refinancing to Flat is advantageous even with 2 interest rate increases per year ◆Cases where refinancing to Flat is advantageous Two Scenarios ◆ Refinancing a variable rate loan that is advantageous with a flat-rate mortgage → Refinancing to a lower variable rate loan ◆ Negotiating interest rates with a variable rate loan that is advantageous with a flat-rate mortgage loan [Related Pages] Mortgage Ranking (CPA Supervised and Updated) | Sennichi's Blog https://sennich.hatenablog.com/mortga... Recommended Refinancing Ranking (CPA Supervised and Updated) | Sennichi's Blog https://sennich.hatenablog.com/refina... [Sennichi Taro Membership] There are two levels of membership benefits. Please access from here.    / @sennichi   ① Limited Edition Viewing Rights: 490 yen (tax included) for 30 days You can watch Sennichi Taro's full version videos for 30 days after their release. ② Private Questions: 2,990 yen (tax included) for 30 days You can watch all past limited edition videos. You can also ask questions to Sennichi Taro using the email submission form on FreeConsultation.com (once a month). [Free Consultation and Confidential Questions] For consultations and confidential questions, please use the email submission form on FreeConsultation.com! https://jutakuloan-muryousoudan.com/m... [Sennichi Taro's Mortgage Simulator] Completely Free https://jutaku-loan-sim.jutakuloan-mu... [Sennichi Taro's Books] The Book for People Who Don't Want to Lose Money When Buying a House | Nihon Jitsugyo Publishing https://amzn.to/3twlDvh The Book for People Who Absolutely Don't Want to Lose Money on Mortgages | Nihon Jitsugyo Publishing https://amzn.to/3iKgWJf Understanding How to Buy the "Best House" That Real Estate Agents Will Never Tell You (Illustrated) | Fusosha https://amzn.to/4dumRxL Smart Home Buying from Age 50 | Dobunkan https://amzn.to/3Kxg3zA Home Bankruptcy (Know-how for Creating a Financial Plan to Avoid Bankruptcy Even During the COVID-19 Pandemic) | MdN Shinsho https://amzn.to/3EwQKfj #Sennichi Taro #Home Loan #Variable Interest Rate *This video is intended to provide information about home loans and is not intended to solicit any specific financial product. *Interest rates and regulations may change in the future. *Please consult with financial institutions and experts for final decisions.