【すぐに家計がラクになる】即効性のある住宅ローン見直しで毎月の返済額ダウン！【ノウハウ図書館】

Summary

This video explains effective strategies for reducing mortgage loan repayments by negotiating with your current bank to lower interest rates. It highlights the importance of reviewing your repayment schedule and comparing it to refinance options before approaching the bank. The speaker emphasizes how this approach can save both time and money compared to refinancing, detailing the steps involved and providing tips for successful negotiations. The content also touches on common concerns, such as why banks might agree to lower rates and when refinancing might be more beneficial, ultimately guiding viewers toward making informed financial decisions.

Takeaways

• 😀 The homeownership rate in Japan is 61.23%, with more than half of the population already owning their homes.
• 😀 The video suggests that renting is more flexible than owning a home, especially during major life changes.
• 😀 Purchasing a home is a large financial commitment, and it's essential to make smart decisions regarding buying and loans.
• 😀 If you already own a home, reducing the burden of your mortgage is crucial, especially since many people are dealing with multi-million yen loans.
• 😀 One way to lower mortgage payments is by negotiating a lower interest rate with your current bank before considering refinancing.
• 😀 The main reason banks may agree to reduce interest rates is to prevent you from refinancing with another lender, which would reduce their interest income.
• 😀 Negotiating a rate reduction directly with your bank is often simpler and faster than refinancing with another bank.
• 😀 Refinancing with another bank can take 12 months and incur significant fees, while negotiating a rate reduction with your current bank takes only 2 weeks to 1 month and costs less.
• 😀 Three conditions that make refinancing worthwhile include: a loan balance of over 10 million yen, a difference of more than 1% between the current and new interest rates, and a repayment period of more than 10 years.
• 😀 When conducting a mortgage comparison, look for a bank with the lowest possible interest rate (around 0.2% to 0.3% for variable rates) to use in your negotiations.
• 😀 When negotiating with your bank, present the results of your comparison and let them know you are considering refinancing, as this can increase your chances of securing a lower interest rate.

Q & A

What is the main topic of the video?

The video discusses ways to reduce the financial burden of housing loans, particularly through negotiating a reduction in interest rates with the current lender before considering refinancing.

Why does the speaker recommend renting instead of buying a home?

The speaker recommends renting because renting offers greater flexibility to adapt to life stage changes, while purchasing a home is a significant financial commitment that can be difficult to manage well.

What is the primary benefit of negotiating a lower interest rate with the current bank?

Negotiating a lower interest rate with the current bank can reduce monthly payments and overall loan costs without the hassle and expenses associated with refinancing.

How can banks be convinced to lower the interest rate on a loan?

Banks may agree to lower the interest rate to prevent customers from refinancing with another bank, as this would result in a loss of interest income for the bank.

What is the advantage of lowering the interest rate before considering refinancing?

By lowering the interest rate directly with the current bank, borrowers save time and money compared to the long and costly process of refinancing with another bank.

What are the steps involved in negotiating a lower interest rate with a bank?

The steps include preparing your mortgage repayment schedule, conducting a refinancing simulation, and using the simulation results to negotiate a lower interest rate with your current bank.

What is the purpose of conducting a refinancing simulation?

A refinancing simulation helps determine whether refinancing or negotiating a lower interest rate with the current bank will result in a significant reduction in total payments, guiding the negotiation process.

What are the key factors to check in the refinancing simulation to identify potential benefits?

The key factors to check are the remaining loan balance, the difference between the current and potential refinancing interest rates (greater than 1%), and whether the repayment period is over 10 years.

What should be included in a refinancing simulation to accurately assess the costs?

In addition to the loan amount and interest rate, it is important to include the associated costs such as administrative fees, registration fees, and the costs of transferring the mortgage, as these can add up to a significant amount.

What should be communicated to the bank when requesting an interest rate reduction?

When contacting the bank, it is important to mention that you are considering refinancing, present the simulation results showing a better rate from another bank, and request a reduction in the current interest rate.