Facts about japan / Personal lifes

Hello. Facts about japan / Personal lifes of people management. The way to personal and family life, life planning, financial and asset management, tax planning and measures, risk management and insurance, real estate, there are many issues related to inheritance. That is, people from countries around the world as the people, some developed countries to Japan. Common sense and the law relating to family life and personal life a lot. Facts about japan / Personal lifesacts about japan / Personal lifes you can learn to live in Japan.

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Facts about japan / Personal lifes

Life Plan / A house

Home loan choice | A home loan
I make a home loan
"A point to make mortgage loans"
How much can pay it back; a premise?
* Refundment ratio less than 25% of the yearly income comparison
* I am based on long-term fixed interest
* I take out group credit life insurance（The private home loan is forced participation）
* I consider overheads (administrative expense, repair financial reserve, property tax) "A fixed interest type loan"
The interest rate is the same to the end for a return period.
I am advantageous in low interest interest rate up-phase
* Flat 35（A fixed interest loan long-term for longest 35 years）
"A variable rate type loan"
An interest rate change type
The interest rate is generally reviewed for half a year（The moon refundment is constant for five years, and increasing it by the interest rate change is less than 1.25 times of the refundment）
"A fixed interest choice type loan"
The private financing organization handling which a new interest rate is applied to after the end for a choice period from 2.3.5.7.10 years
Home loan return method choice
The principal and the interest level-line repayment： A principal level-line repayment constant the refundment of every time (interest parts decrease by the progress of the return period)： Total refundment decreases by the progress of the return period（The burden of original refundment is big）