Simulation of new detached houses!Explains the tips and precautions of saving

What are the "expenses" when purchasing a newly built detached house?　

When buying a custom -built house, the cost of purchasing a newly built -for -sale house is the cost of the construction and purchase cost of the house itself.Various types of expenses, such as taxes, registration costs, and fees.

The price of the price varies greatly depending on the individual case, such as the presence or absence of land and mortgage borrower, but the following amount is based on the property price.

Estimated cost of new detached houses

If the property price is 40 million yen,

It is a guide for various expenses.

It is important to note that various expenses are not included in the price of the house itself, so basically they are not included in the mortgage borrowing amount.

If you buy a land and build a custom -built house, you need to set a connection loan etc. in advance and pay the entire cost of purchasing land.It is also customary to pay about 10 % of land deposits.

You need a lot of money before renting a mortgage.In addition, in the case of housing construction, remember that there are also festival costs such as groundbreaking festivals and ridge -up ceremony.

What are the "expenses" of newly built houses?

There are various types of expenses for buying new houses.Some things, such as the presence or absence of land, depending on the individual case, some are not applicable, but the typical ones are as follows.

◇ Breakdown and standard of expenses over "land and buildings"

・印紙税

The stamp fee to be applied to the sales contract.If you buy a land and build a custom -built house, you need a land sales contract and a building contract contract.

【rough indication】

20,000 yen for contract price over 10 million yen to 50 million yen or less (reduced measures until March 31, 2022)

・不動産取得税

You will be taxed only once when you get a real estate.In the case of real estate that meets certain conditions, taxation may be exempted due to reduced measures.

【rough indication】

Property tax valuation x 4 % (reduction measures are available until March 31, 2024)

・登録免許税

Taxes on registration of ownership.A certain tax rate is determined depending on the type of registration.

【rough indication】

Property tax valuation x 0.4-2 % (only buildings only for reduced measures until March 31, 2022)

・司法書士費用

In many cases, the above registration procedure is requested by a judicial scrivener, and the amount of remuneration varies depending on the type of registration.

【rough indication】

About 10,000 to 130,000 yen

・住宅ローン抵当権設定登記（借入ありの場合）

When purchasing a house using a mortgage, the financial institution sets the mortgage (the right to pay the real estate as collateral when the borrower can no longer repay the loan).

【rough indication】

Mortgage borrowing amount x 0.4 %

・固定資産税、都市計画税（精算金）

Taxes for housing owned.The person who owns land and buildings as of January 1 will pay a year's tax for the year.If there is a delivery in the middle of the year, a settlement will be incurred.

In general housing, the tax amount is reduced to one -half for three years to 120 square meters (long -term excellent housing is further preferred).

【rough indication】

Property tax: property tax valuation x tax rate 1.4 %（標準税率）

City planning tax: property tax valuation x tax rate 0.3 % (upper limit)

・仲介手数料

When buying a land that a real estate company is brokered and built a custom -built house, the brokerage commission for the land may be charged, and a new detached house may be charged depending on the transaction form.

【rough indication】

Price price x 3 % + 60,000 yen + consumption tax

◇ Breakdown and guideline for various expenses over the “mortgage”

・印紙税

A stamp fee to be posted on a mortgage contract.

【rough indication】

About 20,000 to 60,000 yen

・融資事務手数料

Fees paid to financial institutions that contract for mortgages.It depends on the financial institution.

【rough indication】

About 30,000 to 50,000 yen.Or about 1 to 3 % of the borrowing amount

・ローン保証料

The money paid to the guarantee company that replaces the repayment if the mortgage is no longer repaid.Not required when using Flat 35.Also, depending on the financial institution, zero and may be added to the monthly interest rate.

【rough indication】

About 0 to 2 % of the borrowing amount

・物件調査手数料

Fees for investigating whether housing complies with loan standards.It will take when using Flat 35.

【rough indication】

20,000 to 80,000 yen in a detached house

・団体信用生命保険料（以下、団信）

Insurance fee to join when you make a mortgage.If the head of the household is unable to repay the mortgage loan, the remaining debt will be zero.

【rough indication】

If you have a special agreement, normal interest rate +0.2-0.About 3 %

・火災保険料、地震保険料

Most financial institutions require a mortgage loan and need to join fire insurance.If you are preparing for an earthquake, you will need an earthquake insurance.

【rough indication】

Fire insurance premiums are about 150,000 to 400,000 yen (for 10 years lump -sum contract)

Earthquake insurance premiums are about 50,000 to 250,000 yen (for 5 years batch)

Let's simulate various expenses

The cost of purchasing a newly built house depends on various conditions, such as how to assemble a mortgage, but you can simulate the estimated cost based on the property price and the amount of borrowing.

Here, we estimate the cost of borrowing the rest with a mortgage with a down payment of 5 million yen.There is no brokerage fee.

The simulation is a simple estimate, and does not take into account reduction measures or individual circumstances, so it is different from the actual costs.For more specific amounts, contact the architectural or real estate company.

◇ Property price 20 million yen and borrowed amount of 15 million yen

Registration fee / Registration license tax: about 400,000 yen

Mortgage mortgage setting registration: about 110,000 yen

Sales contract stamp fee: about 30,000 yen

Property tax: about 100,000 yen

Mortgage administrative fee: about 5.40,000 yen

Fire insurance premium: about 400,000 yen

Real estate acquisition tax: about 450,000 yen

———————————

Total costs: about 154.40,000 yen

◇ Property price of 30 million yen and borrowed amount of 25 million yen

Registration fee / Registration license tax: about 600,000 yen

Mortgage mortgage setting registration: about 150,000 yen

Sales contract stamp fee: about 30,000 yen

Property tax: about 100,000 yen

Mortgage administrative fee: about 5.40,000 yen

Fire insurance premium: about 400,000 yen

Real estate acquisition tax: about 67.50,000 yen

———————————

Total costs: about 200.90,000 yen

◇ Property price 40 million yen and borrowed amount of 35 million yen

Registration fee / Registration license tax: about 800,000 yen

住宅ローン抵当権設定登記：約190,000 yen

Sales contract stamp fee: about 30,000 yen

Property tax: about 100,000 yen

Mortgage administrative fee: about 5.40,000 yen

Fire insurance premium: about 400,000 yen

Real estate acquisition tax: about 900,000 yen

———————————

Total costs: about 247.40,000 yen

How to save various expenses

I want to keep the costs of purchasing a house that requires a large amount of cash at a time.I will explain the points that can be saved with a little ingenuity and effort.

・ローン保証料を見直す

A guarantee fee for a loan guarantee company that will take over when you can no longer pay a mortgage loan.

In some cases, you can save by using a mortgage that does not need a loan guarantee, such as a flat 35, or reducing borrowing by putting a lot of down payments.

・団信への加入とともに生命保険を見直す

Danshin is insurance in which the remaining loan is paid by insurance if the mortgage policyholder dies or has a severe disability in the middle of repayment.Except for some loans such as Flat 35, insurance premiums are free.

Therefore, although it is not a savings of the housing itself, it may be possible to reduce life insurance premiums by reviewing life insurance with expensive death protections with joining the Danshin.

・火災保険の補償内容を見直す

It is essential to join a fire insurance to build a mortgage, but it can be saved by reviewing insurance companies and compensation.

Not all compensation is a package, but there are also products that can choose only the necessary compensation, so let's review if we can focus on the minimum compensation for my home.

The standard for earthquake insurance premiums is determined by the country, and there are differences depending on the region and property, but there is no difference depending on the insurance company.

・火災保険の契約期間を見直す

Fire insurance can be contracted for up to 10 years, but it is cheaper to pay a long -term contract premium in total, such as 10 years, rather than repeating a one -year contract at the same insurance company for 10 years.

Even if you cancel on the way, the insurance premiums will return according to the exempt period.

・司法書士に依頼せず自分で登記

No reward is required unless you ask a judicial scrivener.Consider whether you can register yourself.However, if you do it yourself, don't forget that it will take time and money.

・（注文住宅の場合）つなぎローンを利用しない

In the case of custom -built houses, costs are incurred before the completion of houses, such as land purchase, start of construction, and upper wing, but since the mortgage loan is not executed until completion, there are cases in which a loan is used for payments up to that point.However, the connection loan is often set higher than mortgage loans.

In addition, since the cost of the connection loan itself, such as commissions, can be used for a temporary borrowing, it is possible to reduce the cost by not using a connection loan or reducing the borrowing amount.

・（注文住宅の場合）地鎮祭・上棟式を実施しない

These rituals, which are held before and at the top of the building of custom -built houses, can be selected not to be implemented by local and home customs and ideas.Alternatively, the cost can be reduced by performing only the groundbreaking festival or by performing an abbreviation.

Points and precautions for considering various expenses

As mentioned above, various expenses are paid in principle.You need to prepare a lot of cash in advance.

However, if it is difficult to prepare cash, you can use a "expense loan".A loan that can incorporate various expenses into the borrowed amount of housing purchase, which is a great help if you have less self -funds.

However, there are some points to note, such as the fact that the real estate acquisition tax cannot be incorporated, the borrowing amount increases and the monthly expenditure increases.

When purchasing a house, there are other moving costs, furniture and home appliances, etc., and the expenses tend to be spilled.Based on these, make a fund plan so that you don't regret.