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Three Loans You Absolutely Need to Know Before Taking Out a Mortgage for a Custom-Built Home: A Thorough Explanation of the Differences Between Pair Loans, Joint Debt, and Joint Guarantee For those worried about "regrets regarding custom-built home mortgages," "what are pair loans?", and "the risks of joint debt," WITHDOM Architectural Design, which handles highly airtight and highly insulated homes with HEAT20 G2 grade and a C-value of 0.4, will thoroughly explain the pitfalls of "mortgages taken out by two people" that bankers and real estate agents rarely tell you about, and the latest strategies for maximizing loan deductions. ▼Individual consultation at your nearest studio [Nationwide Studio Visit Reservation] https://withdom-architect.jp/?utm_sou... [LINE Individual Consultation/Catalog Request] https://liff.line.me/2006688281-gkoQZ... [Check Construction Area and Service Locations] https://withdom-architect.jp/news/are... WITHDOM Architectural Design received the House of the Year 2025 Special Excellence Award. This award is a recognition system that comprehensively evaluates energy-saving performance, comfort, and efforts to promote widespread adoption. ▼Award Results https://jcadr-or-jp-archive.jcadr.org... ▼Official Website https://withdom-architect.jp/ 【Video Summary】 Due to rising prices and land values, there has been a sharp increase in cases where couples take out a mortgage together. However, taking out a loan without correctly understanding the differences between "pair loans," "joint liability," and "joint guarantees" can lead to irreversible risks in the event of unforeseen circumstances. In this video, Horikawa will thoroughly explain everything from the basics of "loans taken out by two people," which are always very popular at mortgage seminars, to how to determine suitability, and strategies to maximize mortgage interest deductions. This is essential information to know before submitting a pre-approval application. [Table of Contents] 00:00 Opening | Why discuss pair loans and joint liability now? 01:18 Basic knowledge that most people don't know, even at mortgage seminars 02:38 Advantages and disadvantages of taking out a loan with someone else (evaluation, income, credit information, health) 06:51 There are three types of mortgages (pair loan / joint liability / joint guarantee) 08:46 Why you shouldn't choose a joint guarantee 11:21 What is a "property guarantor" when building on your parents' land? 13:16 The decisive difference between pair loans and joint liability 14:53 The most important point: the mechanism and risks of "group life insurance" 17:53 Risk distribution can be changed by altering the ratio in pair loans 19:00 Different banks offer different loan types 20:25 Suitability of pair loans/joint liability is judged by "income ratio" 22:32 A realistic way to choose when there is a large interest rate difference 26:00 [Bonus] Strategies to Maximize Home Loan Tax Deductions with a Joint Loan 30:35 Today's Summary ━━━━━━━━━━━━━━━━━━━━ ■ Supplementary Explanation of Technical Terms Mentioned in the Video ━━━━━━━━━━━━━━━━━━━━ ・Joint Loan: A method where both spouses become debtors and take out two home loans. ・Joint and Several Liability: A method where both spouses take out one loan (primary debtor + joint debtor). ・Joint and Several Guarantee: A method where one primary debtor takes out the loan, and the other person only bears the obligation to pay (no rights are created). ・Group Credit Life Insurance: Insurance that makes the outstanding home loan balance zero in the event of death or severe disability. ・Property Guarantor: A provider of collateral. Land and other assets are used as collateral, but there is no obligation to repay. Mortgage: The right of the bank to seize land and buildings if loan repayments are defaulted. Home Loan Deduction: A system where up to 50 million yen, for 13 years, and 0.7% of the outstanding balance are refunded from income tax and resident tax. ━━━━━━━━━━━━━━━━━━━━ ■ Related Know-how Videos You Might Also Want to Watch ━━━━━━━━━━━━━━━━━━━━ ▼ Detailed Explanation of Home Loan Deduction    • 【2025年版】住宅ローン控除の仕組み解説｜制度の基礎知識と注意点   【Subscribe to our channel】    / @withdom_architect   【WITHDOM Architectural Design】 Nationwide No. 1 Growth Rate, 1768% Growth Rate over the Past 6 Years (2019-2025) *According to Tokyo Shoko Research (Based on companies listed in the TSR Corporate Information Database that have published financial information in the past 6 years, and are limited to companies with sales of 100 million yen or more during the base period. Sales growth rates are compared based on the above conditions.) [WITHDOM Architectural Design Standard Specifications] HEAT20 G2 Grade × C-val...