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住宅ローンは金利のマジックにご注意を - お金の知恵をみにつける勉強会
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<span>住宅ローンは金利のマジックにご注意を</span> </span> </div> </div> </div> <script type="application/ld+json" class="test-breadcrumb-json-ld"> {"itemListElement":[{"@type":"ListItem","item":{"name":"トップ","@id":"https://r-int.hatenablog.com/"},"position":1},{"@type":"ListItem","item":{"name":"住宅ローン","@id":"https://r-int.hatenablog.com/archive/category/%E4%BD%8F%E5%AE%85%E3%83%AD%E3%83%BC%E3%83%B3"},"position":2}],"@type":"BreadcrumbList","@context":"http://schema.org"} </script> <div id="content" class="hfeed" > <div id="content-inner"> <div id="wrapper"> <div id="main"> <div id="main-inner"> <!-- google_ad_section_start --> <!-- rakuten_ad_target_begin --> <article class="entry hentry test-hentry js-entry-article date-first autopagerize_page_element chars-800 words-100 mode-html entry-odd" id="entry-13574176438044065085" data-keyword-campaign="" data-uuid="13574176438044065085" data-publication-type="entry"> <div class="entry-inner"> <header class="entry-header"> <div class="date entry-date first"> <a href="https://r-int.hatenablog.com/archive/2021/12/19" rel="nofollow"> <time datetime="2021-12-18T22:07:52Z" title="2021-12-18T22:07:52Z"> <span class="date-year">2021</span><span class="hyphen">-</span><span class="date-month">12</span><span class="hyphen">-</span><span class="date-day">19</span> </time> </a> </div> <h1 class="entry-title"> <a href="https://r-int.hatenablog.com/entry/20211219/1639865272" class="entry-title-link bookmark">住宅ローンは金利のマジックにご注意を</a> </h1> <div class="entry-categories categories"> <a href="https://r-int.hatenablog.com/archive/category/%E4%BD%8F%E5%AE%85%E3%83%AD%E3%83%BC%E3%83%B3" class="entry-category-link category-住宅ローン">住宅ローン</a> </div> <div class="customized-header"> <div class="entry-header-html"><p>訪問いただきありがとうごいざいます♪<br>ランキング応援いただけると更新の励みになりますのでよろしくお願いします＾＾</p> <p> <a href="https://stock.blogmura.com/americastock/ranking/in?p_cid=10949542" target="_blank"><img src="https://b.blogmura.com/stock/americastock/88_31.gif" width="88" height="31" border="0" alt="にほんブログ村 株ブログ 米国株へ" /></a> </p></div> </div> </header> <div class="entry-content hatenablog-entry"> <p><img src="https://cdn-ak.f.st-hatena.com/images/fotolife/t/tkhssugimoto/20211219/20211219070712.jpg" alt="f:id:tkhssugimoto:20211219070712j:plain" width="481" height="321" loading="lazy" title="" class="hatena-fotolife" itemprop="image" /></p> <h3><a class="keyword" href="http://d.hatena.ne.jp/keyword/%B6%E2%CD%F8">金利</a>だけを見ていてはいけない</h3> <p>住宅ローンの比較をする時</p> <p>ついつい目がいくのが<a class="keyword" href="http://d.hatena.ne.jp/keyword/%B6%E2%CD%F8">金利</a>ですよね</p> <p> </p> <p>おっ！！</p> <p>すっごい<a class="keyword" href="http://d.hatena.ne.jp/keyword/%B6%E2%CD%F8">金利</a>が低くなってるー</p> <p> </p> <p>ってついつい思ってしまいますが</p> <p>住宅ローンのコストは<a class="keyword" href="http://d.hatena.ne.jp/keyword/%B6%E2%CD%F8">金利</a>だけで判断してはダメなのです</p> <p> </p> <p>最初に目につくのが<a class="keyword" href="http://d.hatena.ne.jp/keyword/%B6%E2%CD%F8">金利</a>なので</p> <p>つい<a class="keyword" href="http://d.hatena.ne.jp/keyword/%B6%E2%CD%F8">金利</a>だけで比較してしまいそうになりますけどね</p> <p> </p> <p>隠しているわけじゃないけど</p> <p>見えにくいコストが<a class="keyword" href="http://d.hatena.ne.jp/keyword/%B6%E2%CD%F8">金利</a>以外にも３つあります</p> <p> </p> <p>コスト比較する時は<a class="keyword" href="http://d.hatena.ne.jp/keyword/%B6%E2%CD%F8">金利</a>とそれ以外の3つを合わせた</p> <p>トータルコストで比較することが大事になってくるんですね</p> <p> </p> <p>他にも登記用の<a class="keyword" href="http://d.hatena.ne.jp/keyword/%BB%CA%CB%A1%BD%F1%BB%CE">司法書士</a>代金とかあるんですけど</p> <p>これはどこでやっても必要なコストになります。</p> <p>知り合いに<a class="keyword" href="http://d.hatena.ne.jp/keyword/%BB%CA%CB%A1%BD%F1%BB%CE">司法書士</a>さんがいれば銀行指定よりは</p> <p>コストを削れるかもしれませんけどね＾＾</p> <p> </p> <p>話を戻しまして</p> <p>比較すべき４つのコストは</p> <ul> <li><a class="keyword" href="http://d.hatena.ne.jp/keyword/%B6%E2%CD%F8">金利</a></li> <li>申し込み手数料</li> <li>保証料</li> <li><a class="keyword" href="http://d.hatena.ne.jp/keyword/%C3%C4%C2%CE%BF%AE%CD%D1%C0%B8%CC%BF%CA%DD%B8%B1">団体信用生命保険</a></li> </ul> <p>この４つになります。</p> <p>それぞれ説明といきたいところですが</p> <p>それはまた後日(^^;)</p> <p> </p> <p>そうそう、</p> <p><a href="https://r-int.hatenablog.com/entry/20211218/1639777765">昨日の記事</a>で住宅ローンを３つに分けた理由は</p> <p>このコストの仕組みが大きく3パターンに分かれているからなんです。</p> <p>そのあたりも知ってると銀行を選ぶ時に役立つと思います。</p> <p> </p> <p>続きはまた明日ということで♪</p> <p> </p> </div> <footer class="entry-footer"> <div class="entry-tags-wrapper"> <div class="entry-tags"> </div> </div> <p class="entry-footer-section track-inview-by-gtm" data-gtm-track-json="{"area": "finish_reading"}"> <span class="author vcard"><span class="fn" data-load-nickname="1" data-user-name="tkhssugimoto" >tkhssugimoto</span></span> <span class="entry-footer-time"><a href="https://r-int.hatenablog.com/entry/20211219/1639865272"><time data-relative datetime="2021-12-18T22:07:52Z" title="2021-12-18T22:07:52Z" class="updated">2021-12-19 07:07</time></a></span> <span class=" entry-footer-subscribe " data-test-blog-controlls-subscribe> <a 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