収入合算の３つのパターン｜不動産・一戸建て・マンション・土地ならハウスドゥ 札幌栄町

 

こんにちは、

女性エージェントのKです。👩

今日はまた雪が降ってますね...

 

今週はとても風が冷たく、最近フードの使い方が

雪降っている時以外でも

防風でもかぶっています。笑

暖かな春が待ち遠しい....😿

 

夫婦共働きに最適！親子でも可能なローン

金融機関による融資額決定のための

申込者の属性（ご年収、勤続年数、会社員か自営）と不動産の担保評価が

融資には非常に重要になります。

 

申込者本人のみで借入が難しい場合は、収入合算をすることが出来ます！

収入合算できる人は、

夫婦または同居している親子が条件となります。

収入合算には申込内容により、

①連帯保証：収入合算者が契約者の連帯保証人になるケース

 

②連帯債務：主債務者となる契約者と連帯債務者となる収入合算者が、

一つの住宅ローンに対してそれぞれが住宅ローン全額の債務者となるケース

 

③ペアローン：一つの不動産に対し、夫と妻がそれぞれ契約者となり

 

住宅ローンを利用するケース。

の３種類があります

（１）不動産の所有権はどちらが持つか

（２）住宅ローン控除を受けられるのは誰か

（３）団体信用生命保険に加入できるのは誰か

（１）～（３）を考慮して、どのパターンにするかよくご夫婦や親子で

話し合って下さいね！

収入合算にした方が良いか、契約者のみで良いか等のご相談等も

当店で購入不動産に併せてアドバイス出来ます！

気になっている物件や購入を検討されている際は

ぜひお越しください！

 

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<下記英語翻訳>

Ideal for married couples! Loans available for parents and children

For the determination of the loan amount by the financial institution

The applicant's attributes (annual income, length of employment, whether employed or self-employed) and the collateral evaluation of the real estate are

and the collateral value of the real estate are very important in determining the loan amount.

If it is difficult for the applicant to borrow only by himself/herself, he/she can combine his/her income!

Who can combine incomes,

The applicant must be a married couple or a parent and child living together.

Income Combination

Depending on the details of the application,

①Joint Guarantee

Cases in which the person whose income is to be combined becomes a joint guarantor of the subscriber

②Joint debt

A case in which the contractor is the primary obligor and the joint obligor is the joint obligor for the contractor and the joint obligor for the joint obligor,

The contractor who is the primary obligor and the joint obligor are jointly and severally liable for the entire amount of the mortgage loan.

③Pair loan

A case in which a husband and wife each become a subscriber to a single property and take out a mortgage loan.

mortgage loan for a single property.

There are three types of mortgage loans

(1) Which party holds the ownership of the real estate?

(2) Who is eligible for the mortgage deduction?

(3) Who is eligible for group credit life insurance?

（Considering (1) to (3), please discuss which pattern to choose with your spouse or parent and child.

 

We can also advise you on whether it is better to aggregate your income or only the policyholder's.

We can give you advice on whether it is better to combine your income or only the contractor's income, etc., in conjunction with the property you are purchasing!

If you are considering purchasing a property or property you are interested in

Please visit us!