2026年、変動か固定か？利上げ後の住宅ローンを最新金利でシミュレーション

With interest rates rising, which is truly more advantageous: variable or fixed? We'll simulate this using the latest interest rates and multiple interest rate hike scenarios. While the model is a 35-year-old new homebuyer, the content will serve as a basis for decision-making for those in their early 40s. We will also regularly release models for refinancing and those 45 and older. I believe that mortgage simulations are not about predicting "how high interest rates will rise," but rather about seeing at what point and by how much the rate will become unbearable. By calculating with the current main scenario, you will be able to clearly see: Which phase is the most difficult? Where is the point at which you might want to switch to a fixed rate? As the creator, I would be delighted if you use this to confirm that process. ▼Sennichi Taro's Mortgage Simulator https://jutaku-loan-sim.jutakuloan-mu... 【Table of Contents】 00:00 Variable or Fixed in 2026? Simulation of a 35-year-old buying a house based on a Bank of Japan interest rate hike scenario 03:27 [Latest] Bank of Japan Monetary Policy after the December 2025 Interest Rate Hike (Neutral Interest Rate and Multiple Estimation Models) 06:14 Can the lower half of the estimated range be considered accommodative? 07:45 Assuming the target interest rate after the interest rate hike by the end of FY2027 08:27 Assuming what percentage the variable interest rate will be after the interest rate hike 12:20 Simulator to understand the impact of rising variable interest rates (monthly and total) 13:06 Calculating the impact of a 0.25% interest rate hike in December 2025 14:00 Calculating the impact of two interest rate hikes in FY2026 14:33 Impact of two interest rate hikes in FY2027 and countermeasures 16:16 Bank of Japan interest rate hike range and simulation Premise (Flat 35 Child-Rearing Points 4) 19:11 Simulation Results of Variable Rate vs. Flat 35 21:38 Flat is more advantageous, but a variable interest rate is a better match 22:49 Calculation using Flat 35 Child-Rearing Points 2 24:49 Calculation assuming no mortgage life insurance with Flat 35 31:09 Summary and Contents of the Second Half [Exclusive Table of Contents] Member-only link →    • （限定）2026年、変動か固定か？利上げ後の住宅ローンを最新金利でシミュレーション   25 minutes 26 seconds ◆Household Year Simulation of buying a 60 million yen house with a 10 million yen income ◆Calculation using Flat 35's Child-Rearing Points 2 (Difference from a 50 million yen budget) ◆Calculation assuming no mortgage life insurance with Flat 35 (Difference from a 50 million yen budget) ◆Long-term loans exceeding 35 years ◆Simulation with a 40-year term ◆Simulation with a 45-year term ◆The focus of the decision changes depending on the budget ◆Simulation of buying a 70 million yen house with a household income of 10 million yen ◆The effect of increasing the down payment [Related Pages] Mortgage Ranking (CPA supervised and updated) | Sennichi's Blog https://sennich.hatenablog.com/mortga... Refinancing Recommendation 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: 30 days, 490 yen (tax included) You can watch Sennichi Taro's complete videos for 30 days after their release. ② Private Questions: 30 days, 2,990 yen (tax included) You can watch all past limited edition videos. You can also ask Sennichi Taro questions using the email submission form on FreeConsultation.com (once a month). 【Free Consultation and Private Questions】 For consultations and private 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 a Mortgage | 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.