What do you think of buying a house in Japan?

Don't make three mistakes in buying a house in Japan.

The first misunderstanding: order.

Generally speaking, when considering buying a house, most people want to buy it first, then look at it, then make a loan plan for their favorite house, and finally buy it. The real order should be, want to buy → loan plan → look at the house according to the planned fund standard → buy. Most people don't think the order is a big deal. In fact, this order simply illustrates your idea of mastering your own funds and managing your finances.

If you walk into a real estate agent and he is eager to show you the house without talking to you much, you should be careful, because most people want to buy it after reading it. In addition, in the case that the real estate is basically fooled, you should also be tempted. You bought a house that greatly exceeded the original budget.

Later, I found that when you are trying to repay the loan, when the lighting of the house is not good, when the structure of the house is not good, when the house cannot be rebuilt, when you find out, it is too late to regret.

Anyone who has decoration experience in China will know that there is no basic decoration that does not exceed the budget, because you always want to say that it is better to buy a better one anyway. After a while, hum, it's not impossible to stop. The same is true of buying a house. Find a house with the conditions you want under the premise of your budget. Don't look at one with a greenhouse, garbage disposal, hot springs and this and that, and forget how difficult it is for you to pay back the money in the future.

The second misunderstanding: loans.

The term of the loan should be paid off before the fixed term. The loan amount is generally judged to be about 5 times of the annual income. The monthly repayment amount of the loan plan should be about 20% of the income, that is to say, if the monthly income is 200,000, it is acceptable to repay the loan by about 40,000. The amount of other income is calculated according to this ratio.

Other money to be considered: consumption tax, printing tax, real estate purchase tax, agency fee, deposit, money to be spent after buying fire insurance, fixed assets tax, urban planning tax, monthly provident fund and management fee.

The lender's group credit life insurance premium is paid every year, the amount is 0.3% of your remaining loan amount, and there are local autonomy fees, which are basically between several hundred and several thousand. Let's talk about the so-called high-interest loans for non-Japanese and permanent residents. If you want to borrow 30 million yuan to buy a house, the annual interest rate is 3%, and you have to pay 48.5 million yuan in 35 years. If the loan for permanent residence in Japan is basically around 2 this year, it will be 4 1.74 million in 35 years, which means you have to pay back more 1.

The third misunderstanding: fixation and change

As we all know, there is also a two-in-one combination of constant change and golden benefit, which can be fixed for a period of time and then converted into change. Regular investment, also called fixed investment in the whole period, has the advantage that the repayment amount will remain unchanged from the date of borrowing, which is also conducive to your future fund management. The disadvantage is that the fixed gionee is higher. Banks should take into account that once profits become high in the future, especially when profits are so low now.

The advantage of the change is that you can borrow more, because no matter whether the future profit is high or low, the bank will not lose money, so you can borrow more for this part of the money. Finally, after the end of the fixed-income period, this type of fixed-income period can be selected to continue to increase or change according to Jin Li's current situation. What needs to be noted here is that, for example, at present, the basic profit is around 2, and you choose a fixed term of 20 years. If after 20 years, Jin Li is lower than now, congratulations. You can continue to choose to fix or change the low profit. If you choose to repair it after 20 years, it will be 6 instead of 2 20 years ago. You can basically buy another set of loans for the remaining 15 years.

As for the loan, you can pay back half of the money, and the interest on killing each other will of course be reduced, but if you want to throw all your money out, it is absolutely not recommended. Leave some space for yourself, don't push yourself too hard.

In addition, it is also necessary to consider whether the cost of going to the sewer can be rebuilt if one household is built. Some people can buy a house for many years and it is impossible to rebuild it. Are there private roads nearby, termites and the foundation? These are the most basic.