こんにちは！おひとり様暮らし満喫中のSAWAです。
独身、アラフォーOLの私がマンションを購入して1年が経ちます。
大企業でもなければ、管理職でもないどこにでもいる会社員の私ですが、マンション購入までの道のりは…想像していたより面倒でした。（笑）
思い立ってから申し込みをするまで2週間くらいだったので、下調べもなにもなしでした。
すんなりいったかどうかも分かりませんが、その間にあった色々なことをまとめたいと思います。
マンション購入の申込はあっさり
今は不動産が絶好調で、どんどんと新築物件が建っています。
人気の地区になると、建つ前にはすでに完売することも多く、実際の部屋を見ずモデルルームの段階で決めるような状態だそうです。
実際の部屋を見ないで？と思ってしまいますが、建設前（建設中）に購入すると、壁紙や照明などカスタムができるメリットがあります。
色だけでなく、キッチンの高さなど自分に合わせることもできます。
マンションというより家を建てるイメージに近いですよね。
私はというと、突然の出会いでの購入だったため、すでに建設も終わりに近づいていたのでカスタムはできずでした。
できずでしたが、それでもモデルルームのみで購入を決めました。
売れる物件はあっという間なんですよね。
マンション購入の申し込みで問題
マンション購入を決めると、そこからはどんどん進んでいきます。
あまりにも進むので、突然問題が発生したります。
下調べをしていない私が直面したのが手付金の存在です。
知らなかったんです…（汗）
よく考えたらわかることなんですが、申し込みなんて紙一枚だと思っていました。まさかお金がいるとは。
私の場合は、申込～契約までがかなり短かったので、申込金が不要だったんですが、申込金が必要な場合もあります。
「申し込みますよ」の意思表示なので、これに関しては10万円程度らしいです。
手付金の相場はというと購入価格の5％～10％がです。
2,500万円のマンションだとすると125万円～250万円程度です。
これが必要になります！
払えない…大問題ですよね。（笑）
マンション購入は担当者の選びも大切
ここで重要になるのが手付金の〇〇円程度というところになります。
実際はいくらか決まってはいません。
デベロッパー（マンションを売る人）の役職などによって、裁量権が違います。
私の場合、手付金を10％出すのは少し難しと感じていました。
現金をかき集めたらできるでしょうが、株式や投資信託などにしている部分もあったので、現金をどばっと使うことに抵抗がありました。
なので、正直にその旨説明しました。
そもそも、その手付金分もローンを組むことができるので、ローンを組めばその分は返金してもらえます。
返金してもらえるとはいえ、ローンがおりるまでの間は現金を支払うことに変わりはありません。
私で2か月程度でした。
ローンの審査に時間もかかりますし、手続きなど結構色々あるので、それ以上かかることもあると思います。
その間、現金がないというのは不安ですよね。
私の担当者の方は、女性でしたが部長職というなかなかの役職者で、会社に稟議を通してくれて手付金は5％程度でもいいですよ！と言ってくださいました。
260万なのが120万でＯＫとはありがたい！
手付金は契約者と会社との信頼関係のようなものなので買う意思を信頼します！とのことで大感謝です。
こんな部分も、それぞれの置かれた状況で違うと思います。
ＯＬの住宅ローン審査はやっぱり大変
契約書のサインや手付金は買いたい人と売りたい人の意思が一致しているので大変なことといえば、用意するものが多数あるということくらいです。
独身は実印なんて持ってない
一番必要だったのが、住民票と実印です。
住民票は登記などにも必要で、最終的に4通はとりました。
担当さんが、お仕事をしていて取りに行くのも大変だからと最初から4通と指定してくれたので、何度も行くことはありませんでした。
それでも、働いていて住民票をとるのは案外大変です。
市町村によっては土曜あいているところもあります。場所によって全然違います。
私の住んでいる市は、毎週土曜は開いていましたが本庁ではなく出張所だけでした。
なので、わざわざ電車とバスを乗り継いていくことになりました。
そういうのがない人は、仕事を休んでいかないといけないので地味に負担です。
そして実印問題です。
これは負担ではないんですが（住民票を取りに行ったときに一緒にできる）、いまいち制度のわからないものでした。
市役所に印鑑を登録すると、その印鑑が本人のものであることを公的に証明することができます。
この印鑑登録をした印鑑がいわゆる「実印」になります。
そういわれれば、親がやたらと高級そうな印鑑（名前の書体も全然読めないような）を持っていた気がします。
昔は象牙でできた印鑑が着物箪笥にしまってあったりしました。
実印は大きな契約のときに必要なもので、身近なものでは車の売買契約に使うようです。
それ以外に…私たちの生活で必要なことってありますかね？？
私は今まで生きてきて必要だったことがないので、当然、自分の実印なんてもっていませんでした。
「契約書は実印が必要なので実印登録をお願いします」と言われて、人生で初めて印鑑登録をしました。
実印はどんな印鑑でもいい？
実家にあったやつは、数万もするような印鑑でした。
実印ってそんなものだと思っていましたが、実際のところ実印はなんでもいいそうです。
公的に認められたものだからとても大切です！という人もいますが、私の場合は売買契約が終わればそれ以外に使う用途がありませんでした。
しかも引っ越しをしたら市町村が変わるので、そのタイミングで印鑑登録を廃止しました。
私が実印を持っていたのは…数か月です。
なので、わざわざ高級な印鑑を作って実印登録をする必要はありません！
独身会社員には不要なものです。
とはいえ、どんな印鑑でもいいわけじゃありません。（普通の印鑑ならほぼ問題はありませんが）
陰影（押したときの朱色の部分）のサイズが決まっていたり、ゴム印はダメだとかあります。
自分の登録する市町村に確認してみてください。
ちなみに、私は高校の卒業式でもらったであろう普通の印鑑です。
気分的に銀行印は使いたくなかったので、なににも使っていない印鑑を登録してみました。
住宅ローンをどこで組むか
住宅ローンの審査をどこにするかは、自分で選ぶことができます。
ネット銀行など金利の安いところの情報もたくさんあります。
都市銀行で住宅ローンの審査をしてみた
新築で買う場合、デベロッパー（マンションを売る人）の方が色々な銀行の情報をくださることも多いです。
金利だけでなく、ローン加入で入る団信（保険）の特約がいいものなど説明してくれます。
特に、地場銀行などは各種サービスが色々とあります。
私の場合、地場銀行が私の働いている会社と取引があり、会社の信用情報が優遇対象らしく金利も下げた金利でいけると言われたのでそこで申し込むつもりでした。
自分でやっていればそのまま申し込んだと思いますが、担当さんが「〇〇さん（私）の場合、頭金を入れない審査なので念のため別で審査して結果をみてみましょう」と言われ、最初は都市銀行で審査依頼をしました。
結果…
住宅ローン審査に落ちました！
正確には、落ちたというより条件を提示されました。
ローンの10％を頭金にしてくれたらローン組んでいいよという感じです。
そりゃそうだよね～ですよね。
こんな普通の会社員ＯＬが頭金なしで2,500万貸してくれといって、すんなり貸すわけないですよね。（笑）
私でも貸しません。
これが公務員だとか大企業だとかなら別ですが…。
もちろん、この住宅ローン審査は下調べです。この結果をもとに、担当さんが本番のために策を練ってくれました。
自分の信用調査をする
都市銀行に条件付きにされたので、担当さんに「まずは信用調査をしてみましょう！」と提案されました。
要は、私の過去の支払などに欠点がないかを知りましょうということです。
思い当たること…ないわけじゃないから不安になりました。
カードの支払を忘れていて別の日に振り込んだことがあります。
携帯代が落ちなかったこともあります。
カードを使いすぎてリボ払いにしたこともあります。（こんなの全然関係ないようですが）
いざ「過去なにもないですよね？」と言われると、案外不安になるものです。
信用調査会社へ1,000円くらい支払うと書類が届きます。色々なカードの支払状況など月ごとに何枚もありました。
こんなに個人情報ばれていたのか…というのが第一印象です。
※印などついていてよくわかりませんでしたが、担当さんに見せたところ信用情報は問題ないとのことでした。
問題ないってことは…ローン審査落ちたの私の所得が少なかっただけかい！と思ったけどそれが現実です。（涙）
ＯＬの住宅ローン審査は下準備が大切
諸々の結果を受け、担当さんが住宅ローン審査の戦略を練ってくれました。
私の場合なので誰でも同じわけではありませんが参考までに。
- 数年分の源泉徴収票を出し給与の推移を見せる
- 全ての金融資産を公開する
大きくはこの二つです。
まず一つ目が、給与の推移を出して所得の上昇を見せることです。
毎年そんなに大きく変わるわけではないので、前年のを出してもあまり意味がありません。
なので、数年分だし推移をわかりやすくしてくれました。
実際は残業などで増えているだけだったりもするんですが…。それはわざわざ言わず。
少しずつでも上がっていることがわかってくれたらいいのかなと。
そして二つ目。
これが大きかったようです。（後から聞きました）
頭金が出せないのではなく出さないというスタンスを通すため、金融資産の残高をすべて公開しました。
idecoにNISA、株式、普通預金などそれぞれの分散していたので、残高だけすべて出しました。
全部スクショでしたけど…。付属資料だからよかったのかな？
この二つを用意して、あとは担当さんが銀行の人とやり取りをしてくれていました。
自分で銀行を探して手続きをしていれば、こういう交渉はできなかったと思います。
なので、金額的に余裕があったり頭金がしっかりある人は自分でするのもありですが、私のような人はプロに任せるほうがいいと思います。
担当さんも売りたいから、どうしてもローン審査は通したい！と頑張ってくださいますしね。
おわりに
担当さんが色々と動いてくれて、無事、第一志望の金融機関で優遇金利で借りることができました。
ここが一番大変でした！
ローンが決まればあとは引っ越しに向けて動くだけです。
申込みまではすんなりなのに、そこから先は自分が普通の会社員だということを思い知らされました。（笑）
広告などで「頭金なし」なんていうのをみると、「いやいや、頭金入れないとローン組むの大変なんだから！！」と今でも思います。
できることなら、頭金はあったほうがいいです。
金利が云々の前に審査の通り具合が違います。
お金を借りるって、やっぱり簡単なことじゃありません。
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