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フラット35ってよく聞くけどお得なの?メリットや注意点は?

みなさん、こんにちは。

 

アメリカではドナルドトランプ氏が大統領を決める選挙において、大逆転という形で勝利を手にしてからというもの、
そんなアメリカでの金利アップの影響は、我々日本国民にはいったいどんなふうに関係してくるのでしょうか?

 

そんな観点から今回は住宅ローンといったところにスポットを当ててみようかと思います。
もくじ

フラット35のメリットと注意点とは?

トランプ政権になったことによって、アメリカの金利は上昇することでしょう。

 

そしてそのアメリカの金利上昇は、
まず間違いなく日本にも影響してくるといってもいいでしょう。

 

そんな情勢の中で、一生涯にわたって安心を提供してくれるのが「フラット35」です。

 

ではそんなフラット35のメリットっていったい何か?
…を説明していってみましょう。

 

フラット35のメリット

金利の変動が無いため、将来にわたっての
 返済計画がきっちりと立てられる

 

団体信用生命保険への加入が任意のため、
 健康状態で通常の住宅ローンがもしダメだった方でもOKとなります。

 

個人事業主の方の審査であっても、比較的に緩かったりします。

 

繰り上げ返済をする時に一切 手数料がかかりません。

 

・一切保証料がかかりませんし、まったく保証人も不要です。

 

・金利が一切変動しないため、市場金利が上がった場合でも
 金利は上がらず、フラット35の恩恵を受けることが出来ます。

 

フラット35の注意点

団体信用生命保険への加入が任意のため、
 毎年支払うべき別途加入の保険料が必要となってしまいます。

 

繰り上げ返済の金額は、インターネットでは最低でも10万円からとなり、
 窓口からですと最低でも100万円からなど、ある程度まとまった金額となってしまい、
 こまめにチョコチョコ繰り上げ返済をしたい方には注意すべき点となるでしょう。

 

・物件に利用条件があります。一戸建て住宅では、
 床面積70㎡以上であり、物件購入価格が1億円以下であり、
 フラット35の住宅技術基準に適合していること、となります。

 

・金利が一切変動しないため、もし市場金利が下がった場合でも
 金利を下げることが出来ません。

 

今回のまとめ

上記の通り、フラット35にはメリット注意点があります。

 

一見、注意点と思われることであっても、実際にフラット35を利用してみると場合によっては
メリットの方が圧倒的に大きくデメリットとなることをカバー出来てしまうケースも少なくありません。

 

もちろん人それぞれに好みはあるものの、
フラット35というものが優れた住宅ローンであるということはまず間違いないと思われます。

 

今回のテーマを参考にフラット35のメリットと注意点をしっかりチェックして、
ご自身の家庭に合った住宅ローンかどうかを見極めた上で、フラット35の利用を検討してみてはいかがでしょうか?

 

以上、「フラット35ってよく聞くけどお得なの?メリットや注意点は?」でした。

 

最後まで読んでいただきありがとうございました。

 

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