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12/4/2022

不动产的基础知识(确定预算3)

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4-3 增加首付
增加首付的金额会降低贷款金额以减少还贷负担。
贷款偿还额越低,家庭财务在未来就越有保障,所以要考虑如何尽可能地提高你的首付金额。
要点1 计划性的储蓄
要点2 接受父母经济资助的注意点
要点1 计划性的储蓄
在偿还房贷期间,会出现由于子女教育费的增加、本人退休后收入的减少等家庭财务状况的变化,所以不能返还当初计划的还款金额的情况。
但是,如果增加首付金额,以减少还贷的负担,就会避免这种情况。为了这样,计划性的储蓄是很重要的。
Picture
要点2 接受父母经济资助的注意点
在购买房屋时也会有接受父母的经济援助的情况。 接受财政援助方式可以考虑 "向父母借款 "或 "接受父母的赠与"。
在向父母借款时,必须注意的是,为了证明贷款被确认为借款而不是赠与,即使是父母也必须有借款证明,而且利率和还款方式必须与向第三方贷款的条件相同。
还应注意的是,即使是父母的赠与,也要缴赠与税。但是,接受父母和祖父母的赠与时,也可以利用非课税制度免除缴税。所以要事前确认。

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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