日銀利上げ後の住宅ローン金利はどうなる？7月のフラット35・変動金利を予想

This video forecasts mortgage interest rates for July 2026. For Flat 35 mortgages, while the coupon rate on government-backed bonds has decreased compared to the previous month, the negative spread is expected to remain flat due to the narrowing of the negative margin. How will variable interest rates move after the Bank of Japan's interest rate hike in June? Considering the differences between Flat 35 and variable interest rates, we will summarize the measures you can take now. The important thing is not to predict interest rates accurately, but to be prepared to move between variable and fixed rates. This video provides specific perspectives and tools for making wise mortgage choices tailored to individual circumstances, based on the latest interest rate trends and future forecasts. [Table of Contents] 00:00 Start of July 2026 Mortgage Interest Rate Forecast 01:24 Flat 35 expected to remain flat (interest rate decline and narrowing of negative spread offset each other) 02:48 The process by which the Japan Housing Finance Agency shifts from negative spread to profitable spread 04:44 Background to the decline in long-term interest rates due to the Bank of Japan's interest rate hike in June 05:56 Forecast for variable interest rates and Flat 35 after the June interest rate hike (flat rate with large fluctuations and variable rate that rises slowly) 09:02 Mortgage countermeasures based on the characteristics of variable and flat rates (to be able to apply for both variable and flat rates) 09:52 Latest trends in variable interest rates and points to note when choosing a bank 11:09 Online banks' standalone mortgage models are at a turning point 14:47 Variable or fixed rate, independent of interest rate forecasts? Thinking Process 15:52 Summary [Exclusive Table of Contents] Member-only link →    • （限定）日銀利上げ後の住宅ローン金利はどうなる？7月のフラット35・変動金利を予想   12 minutes 26 seconds ◆How to identify banks that will raise interest rates above the policy rate ◆Interest rate forecasts for 15 major banks Mitsubishi UFJ, Sumitomo Mitsui, Mizuho, ​​Resona, Rakuten Bank, PayPay Bank, Sumishin SBI Net Bank, au Jibun, Sony, SBI Shinsei Bank, Sumitomo Mitsui Trust, AEON [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: 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.