こんにちは！おひとり様暮らし満喫中のSAWAです。
前回、住宅ローンはどこで選ぶかという記事を書きました。
ローンを組む際、色々と疑問点なども出てくると思ったので、私がローンを選んだ時の経験を書いていこうと思います。
今回は、変動金利と固定金利についてです。
変動金利とは
変動金利とは、名前の通り金利が変わっていきます。
具体的にいうと半年に一度見直しが行われる金利となります。
その分、一番金利が低くなっています。
返済額の変更は5年ごとに行われ、返済額が増える場合でも返済額の1.25倍までという取り決めがあります。
つまり…5年間は金額が変わらないものの、もしかしたら元金全然返せてない！なんてこともあり得ます。
オレンジ色の推移を見ると分かりますが、1980年代の金利は想像を超える高さですね。
私の両親の世代は、住宅ローンをとにかく繰り上げ返済しないと！と言っていたのがこれを見ると分かります。
固定金利とは
字の通り金利が固定されているものです。
ただ、私が無知だったのかもしれませんが、「固定金利はずっと固定」だと思っていました。
35年借りたら35年間ずっと一緒だと。
実際は固定金利にも、2年、3年、5年、7年、10年、15年または20年固定など期間が存在します。
その都度見直されるので、いまいち変動との違いが難しいです。
もちろん、20年固定などであればかなりの期間固定なので安心です。
その間にかなりの元金を返済し終わっているので、もし金利が上がったとしても元金が減ったあとなのでリスク回避もできるでしょう。
なにより将来設計がしやすいのは固定のいいところですね。
フラット35といった、民間金融機関と住宅金融支援機構が提携して提供する最長35年の全期間固定金利の住宅ローンもあります。
全期間固定型もあり、8％時代を知っている両親世代からは「借金は安全に！」と言われることも多いです。
変動金利と固定金利どっちがいいの？
簡単に変動金利と固定金利について書きました。
調べればいくらでも説明サイトはあるので詳しくはそちらのサイトで。
メリットやデメリットが書いてあるところも山ほどです。
でも、私のたどり着いた答えは…
結局、変動金利と固定金利はどっちがいいの！？
この答えにはたどり着けませんでした。
メリットとデメリットが羅列されてあり、あとはご自分の判断で！というものばかりですよね。
当たり前といえば当たり前です。
人それぞれ考え方も違えば、ライフプランも違います。
なので、万人にいいものはないと思います。
だからここで書くのはあくまで私の話です。
私が選んだ理由などを。
私は変動金利を選んだ
ズバリ私は変動金利を選びました。
ネットでは、こんな低金利だからこそ固定で安心を！とか、金利はこれから上昇する！とか書いてあったりもしました。
結局、いいことと悪いことが書いてあったので…自分を信じることにしました。
私の置かれた状況はこうです。
- 独身であること（結婚予定なし）
- 子供がいないこと
- とりあえず会社は当面あること
- 定年が65歳になったこと
- コンパクトマンション購入なこと
- イデコやニーサで老後計画していること
独身ＯＬの典型といえば典型ですね。
住宅ローンは、やはり家族がいる人が組むことが多いです。
なので、長期のライフプランだとか子供の教育費だとかを考慮しているものが大半です。
子供が入学するときにはお金がいるから住宅ローンは固定で安心を！というのは十分理解できます。
でも…私にはそんなイベントがありません！（涙）
お葬式はあっても結婚式だってありません…。
そうなると、そもそもローンに対する考え方も変わってきます。
どこに住んでも一生家賃はかかるものです。
だから、途中で家賃がなくなったら（ローン返済終わったら）ラッキー！くらいの軽い気持ちです。
一生住む場所！！というよりは、家賃の変わりにローンくらい的な。
もし払えなければ売ればいいか…なんて考えもあります。
だからこそ、もっと気楽に考えました。
安定だから固定金利ではなく、今は変動でいっか程度です。
私の今の金利は0.8％を切っています。
固定金利だったらそうはいきません。
1.2％くらいで、頭金を入れなければ2％程度になったりもします。
そうやって比べたら…どうしても金利が安いほうにいきますよね。
もちろん、この水準がいつまで続くかは誰にもわかりません。
だから、とりあえずは私の中で変動金利が1.5％くらいになるまではそのままでいこうというのが今の考えです。
幸いにも、私は養うものもなければ大きなライフイベントがないので、大きな出費もありません。
多少金利が上がっても、もともとそんなもんかな～くらいでいけそうだな…と。
変動金利がおすすめです！と言ってるわけではないです。
私は上記の理由により変動金利を選びましたというご報告です。
ただし、ちゃんと金利だけはみていこうと思います。
半年に一度の金利変更は銀行からお知らせがきます。
それだけはしっかり見るようにしています。
購入後1年過ぎましたが、まだ安定の低水準です。
いつかグングン上昇したら、借り換えも経験するのかもしれませんね。
先のことは誰にも分かりませんから。
おわりに…
固定金利も変動金利も絶対はありません。
自分で選ぶとき迷うと思います。
でも、どっちが正しかったかなんて返し終わったとき、全部計算して「あぁ。トータルで計算したらこっちだったのか！」と思うはずです。
それまでは分かりません。
でも…返し終わったんだからいいじゃん！と私は思います。
もしもを考えたら進まないので。
独身だからこそ身軽に考えるのもありですよね？
背負うものもないし。
途中で軌道修正だってできます。
深く考えすぎず前進あるのみです！
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“Nearly all [Pakistani] banks’data has been breached. According to the reports that individuals have, most of the banks have already been affected,” Mr Shoaib told Geo News.
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More than 20,000 users have now been afflicted
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Cyber criminals have previously cashed out $2.6 million from foreign ATMs, based on the Group-IB report, mirroring an identical attack earlier
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In a separate interview with Dawn News TV, Mr Shoaib said it had been the responsibility of the banks to safeguard their customers’data.
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