繰上返済は必要か

マンションを買う

こんにちは!おひとり様暮らし満喫中のSAWAです。

今までの記事で、ローンのことや金利のことを書きました。

住宅ローンはどこを選ぶか
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がなんとか住宅ローン審査に通ったことを書きましたが、そもそも、住宅ローンってどこでするのがいいんだろう?と悩みますよね。私のように流されるままではなく、きちんと知って臨ん...
変動金利と固定金利どっちを選ぶ
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...

ローンの返済を始めると繰上返済が目の前をちらつくようになります。
家賃の代わりにローンを払っているとはいえ、やっぱり心のどこかに借金があると思っているからなのかもしれません。
特に、最初の数か月はそんなことばかり考えてしまいます。
そんなわけで、ちょっと繰上返済について書こうと思います。
実際、繰上返済をしてみた結果も書いているので参考になれば幸いです。

繰上返済とは

住宅ローンのように長期で借り入れすると、返済の途中で自分の資産状態が変わることは少なくありません。
そんなとき、通常の返済とは別に余剰資金を返済に充てることができます。
それを繰上返済といいます。

繰上返済には、毎月の返済額を少なくするもの返済期間を短くするものがあります。
支払額だけでいえば、返済期間を短くするほうがいいと言われていますが、自分の人生設計にもよります。

繰上返済のメリット

借入期間が短くなること毎月の額が減額されることが挙げられます。
それに伴い、支払う利息が減るのが一番金銭的メリットです!
利率が高ければ高いほど、支払う利息は高くなります。
住宅ローンのように長期間だと特にそれが顕著になります。

例えば、2,000万円を35年で金利3%で借りたとします。
毎月の返済額は77,000円。
35年間で支払うのは3,233万円です。
借りたのは2,000万円なのに、利息だけで1,000万円以上支払うことになります!(驚)
もしこれを20年で返済にすると…
毎月の返済額は111,000円。
20年間で支払うのは2,663万円です。
利息は660万程度です。
これを見たら本当に利息はバカにならないと感じますよね。
そして期間が短いほうが利息が少ないのも実感できます。

そして、忘れてはいけないのがお金のことだけじゃないメリットです。
実際、借り入れをすると分かりますが借金ができた!と思いがちです。
車のローンは3年~5年程度ですし、カードは翌月払いです。
それほど心への負担はないんですが、長期のローンというのは「私…35年間も借金がある」なんて思ってしまいます。
35年後の自分の収入なんて確約はないのに、支払だけは決まってしまっていることが大きな不安要因となります。
繰上返済をすることで、35年が30年になれば定年前に返せる!とか、25年になれば退職金で老後は生きれるかも!と心が軽くなります。
これって、目に見えないですが大きなメリットだと思います。

繰上返済のデメリット

一番は手元の資金が減ることです。
余裕資金ならまだいいですが、借金を少しでも早く返さないと!という焦りで返してしまうと、必要な現金がどんどん減ってしまいます。
最終的に一番必要なのはすぐ使える現金です。
それを使ってしまうと、本当の「いざという時」になにもできなくなってしまいます。
その「いざ」は予想ができないから「いざ」です。

事故や病気で当面仕事ができない!(=収入激減)だとか、急に両親が亡くなりお葬式代立替ないと!(=急な出費)とか本当に想像できません。
そんなときのために、ある程度の現金は絶対に必要です。
繰上返済をこの資金からしてしまうことは、人生のデメリットというかリスクですよね。
そして、家族がいる人は「子供の進学」や「結婚」など大きなライフイベントがあることもあります。
そんなときに必要な現金を残しておくことはとても大切です。

二番目は、今のような超低金利の場合、繰上返済をするより運用するほうが効率がいいということもあります。
これは考え方が様々ですが、私のような独り身の身軽な立場だと納得です。
3%の利率で借りていれば別ですが、例えば0.9%程度で借りていたとします。
もし1.5%程度の利回りで運用できたら断然現金は増えます。
10万円を繰上返済に使うか運用するかです。

そして最後は、団信やがん保険などの効果がなくなることです。
ローンを組んだ時、色々な特約が付いていたと思います。
私の場合は、ガンと診断されたらその後のローンが免除されるものが一番の決め手でした。
団信のように、死亡したらその後のローンが免除されるとか、脳梗塞や心筋梗塞などになったら免除されるとか、ローンが残っているからこそ受けられる特典があります。
せっせと繰上返済をしたのに、突然「がんの告知を受けてローンが免除になりました」となったとき、「あれ、返さなかったら今頃手元にもっとお金があるのに」なんてこともある話です。
よく会社でも「旦那どうなるか分からないから繰上はしない」なんて聞きますから。(妻は怖い(笑))
でも、これも繰上返済のデメリットです。

10万繰上返済してみた

メリットとデメリットは紙一重です。
実際やってみないと分からないな!!と10万円返済してみました。
(35年ローンで金利は0.8%程度です。)

全然メリットが分からない!

結果となりました。(笑)
8,000円程度利息がお得になったようです。
でも、10万円を年利2%で運用したら1年で2,000円の利益です。(税金を考えず)
5年運用したら10,000円の利益になります。
私には…どう考えても運用のほうが魅力的でした。

私は繰上返済しない

私の今の金融状況からみると、繰上返済より投資するほうがいいという結論に達しました。
その理由は…

  1. 私のローンが0.8%程度だから
  2. 投資に抵抗がないから

この二つの気がします。
元々、ニーサやイデコなどをしているので、投資をするのは簡単です。
繰上返済をするようにアプリでポチです。そうなると、グンと投資へのハードルが下がります。
もちろん、投資にはリスクがつきものです。
コツコツと返すほうがいいのかも?と思わなくもないですが、たった8,000円しかメリットがないなら冒険してもいいじゃん!と一人ならではの判断です。
リスク許容範囲が広いのかもしれません。

ローン返済を開始して10万×2回の繰上返済をしてみました。
その結果、私は繰上返済はしないことに決めました。
私は…なので絶対にオススメというわけではありません。
リアルなOLの一つの意見です。

おわりに…

住宅ローン返済を開始して1年が経ちます。
今まで払っていた家賃がローン返済に変わっただけなので、基本的にはなにも変化はありません。
最初こそ「35年も借金ができた」と思ったりもしましたが、毎月同額で口座から落ちると意識もしなくなります。
いくつまで働けるか分からないので、定年時にもしかしたら一括返済をするかもしれません。
でも、それはそのときにならないと分からないです。
なにより、毎月固定費と思えばその分お金を使わないのが私にとってはメリットかもしれないです。
貰っただけ使ってしまう恐れ大なので。(笑)

繰上返済を悩んでいる方の参考になれれば幸いです。

にほんブログ村 ライフスタイルブログ 40代おひとりさまへ
にほんブログ村

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