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11/13/2022

不动产的基础知识(确定预算1)

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4-1 购买费用的基本考虑方式
在开始寻找房产之前,具体有一个大致的预算是很重要的。掌握购买房产所需的预算以及财务规划。
要点1 全面的了解购买房产所需的预算
要点2 了解自己可以支付的首付金额
要点1 全面的了解购买房产所需的预算
只是准备房产的购买费用是不够的。还需要税金和登记费用、住宅贷款的各种费用、搬家的费用、家具家电・窗帘的购买费用等等。如果是新建公寓,在购买时需要有几十万日元的维修储备金,如果是中介房产,要向中介房产公司交付代理费用。
也就是说,购买房产时除房产价格外还要加上各种费用。
由此计算出的购房所需资金(房产价格+各种费用),准备个人资金或办理房产贷款。
房产价格+各种费用=个人资金+房产贷款
如果打算购买二手房并对其进行装修时,预估装修费用也是必要的。
装修费用通常用个人资金支付,但如果申请了购房贷款,并能负担偿还,用贷款来支付装修费用也是可以的。
要点2 了解从个人资金里可以支付的首付金额
现在,计算一下个人资金可以支付的首付金额。
首先,根据购房后的生活支出和教育支出等,考虑自己的资金数额,决定可用于购房基金的金额。
然后,用购房基金减去购房所涉及的各种费用,就成为购房的首付金额。
首付金=个人资金的总额ー基本生活费用ー购房时的各种费用
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Real Estate agent in Kyoto, Buy and Sell, Leasing, Renovation and Construction, Management for Investment and Vacation Property, Professional Services for International Customers. We deal in KyoMachiya houses, detached and attached Houses, new and old Condominium Apartments, Block of Apartments and Buildings for Commercial, Residential and Investments use, Manage and Support Operation and New Development of Guesthouse, Ryokan and Hotel, Total Supports for Land and Buildings Real Estate in Kyoto.
Yours sincerely, Founder Ken Hayashi
Real Estate Broker Company License No. Kyoto-Fu Governor ( 1 ) 14044 , ​Member of Kyoto Association of Residential Land Building Business
  • Home
  • Study
    • Rights of Property >
      • Real Right and Credit
      • Rights to the land and Rights to the building
    • the Building Lots and Buildings Transaction Business Act >
      • Laws Related to Real Estate Transaction in Japan
      • (1) Laws Concerning Land Use
      • (2) Laws Concerning Construction of Buildings
      • (3) Laws Regulating Real Estate Companies
      • (4) Laws and Regulations Concerning Advertisement
      • (5) Laws Concerning Contracts Including Sales Contracts and Lease Contracts
      • (6) Laws concerning Titles and Rights
      • (7) Laws Concerning Real Property Registration
      • (8) Laws Concerning Condominium Management
      • (9) Laws Concerning Defects (Faults, etc.) of Housing Properties
    • How to and Procedures >
      • Process of Real Estate Sale
      • Process of Real Estate Purchase
      • Cost by Transaction
      • Important Points Explanation
      • Real Estate Sales Contract
      • Property Condition Confirmation
      • Facilities and Equipment List
    • Building Management >
      • Process of Residential Property Management
      • Process of Real Estate Leasing >
        • Idea of Lease Agreement
      • Process of Vacation Home Management
    • Related Acts
    • Glossary >
      • Real Estate Glossary in Japan
    • Tax in Japan >
      • Consumption Tax
      • Property Tax
      • Capital Gain Tax
      • Withholding Tax
      • Taxes on Gifts and Inheritances
    • Q&A >
      • Q&A
  • Local
    • Learning
  • Latest Information
    • Latest News
    • We Love Kyoto
  • Column
  • About Us
    • Records
    • Partners
    • Cookie Notice
    • Sitemap
  • Contact