When is the timing to buy a house?Points that you want to consider during the study period

Average of the examination period before buying a house

When buying a house, it is a source of failure to decide in a hurry, but that does not mean that you should consider it for a long time.How long do others are considering?Let's take a look at the results of the Internet survey that was conducted for "people who relocated and contracted for home within the past year".

When I heard the time when I started thinking about relocation and purchasing, I heard that in the case of those who purchased an apartment, whether it was new or used, the study period was more than 30 %, and the most common result was.have become.There are about 20 % of people who have a study period of "less than one year", so it can be seen that about half of the total are purchasing apartments within two years.

In the case of a detached house, 29.7%of the newly built -for -siteed single -family houses answered that the examination period was "less than one year or two or two years" and 24.5%in custom -built houses.However, 30.1 % of the custom -built houses were "more than 5 years ago" at 30.1 %.

A detached house is longer than an apartment, and a custom -built house tends to be longer than a single -family house.Let's use it as a guide when buying a house.

Let's consider the average annual income and average age when purchasing a house

When buying my own home, after buying a house, I have anxiety such as "Is it possible to keep the mortgage loan properly?"Here, let's take a look at the average household income and average age when purchasing a house from the "Flat 35 User Survey" (FY2020) published by the Japan Housing Finance Agency.

Average household income when purchasing a house

According to the survey material, the average household income when purchasing a house is 6.02 million yen in total.In the order of breakdown, 40.5%for "4 million yen or more and less than 6 million yen", "less than 4 million yen" is 22.1%, and "6 million yen or more and less than 8 million yen" are 20.5%.In combination, the percentage of people who purchased a house with an annual income of less than 8 million yen accounts for 83.1%of the total.

If you have a lot of household income, the amount you can borrow with a mortgage will increase.However, the percentage of people who have purchased with a household income of less than 4 million yen in one in five people can see that a mortgage should be assembled in consideration of the balance with annual income.

Let's look at the timing of buying a house after simulating how much a mortgage can be assembled with the annual household income.

Average age when purchasing a house

The average age of housing is 40.3 years old.Looking at the breakdown in the order of many, 39.8 % in their 30s, 25.4 % in their 40s, 15.3 % under the age of 30, and 12.1 % in their 50s.

The 30s and 40s account for 65.2%of the total, indicating that about two in three people are purchasing houses in this age.The mortgage must be paid by the age of 80, so if you calculate the repayment period as 35 years, you will be convinced that many people buy it in their 30s and 40s.

Let's consider the right timing from life event

The purchase of houses and life events are very related.In particular, life events such as marriage, childbirth, children's admission, enrollment, independence, and retirement are time to change the space required for living and the suitable living environment.It affects the types of properties that should be purchased naturally.

If you get married and buy a house, you will have a mortgage loan when you are relatively young, so there is an advantage that you have paid off your mortgage by the time you retire.On the other hand, it is also necessary to consider that having a house early makes it difficult to respond to relocation.

If you buy a house after giving birth, you will need to think about nursery schools, kindergartens, elementary schools, etc. that children will go to.It is important to check whether the park or hospital is nearby, such as when it is easy to raise children.

If you buy a house according to your child's school, you can shorten the time to go to school by buying a house near the school.It is a suitable timing when you want to give priority to children's education.

And if you buy a house when your child is independent, you will basically live with two couples.In order to get a living environment that is easy to live in retirement, you will be concerned about the barrier -free and security aspects of houses.

Let's take advantage of the free consultation service of the "House window"

When you get your own home, you must proceed while thinking about various things, such as the type of property and funding planning, not only when purchasing.You may be worried about how to buy a house for your procedure because you need to decide in parallel at the same time.

LIFULL HOME'S's "House of Home" has a dedicated housing advisor to provide any consultation on housing.You will be able to receive advice on how to select a home and build a house, and to have a simulation for your funding plan.

In addition, you will be able to purchase a house in a satisfactory way to introduce a carefully selected construction company.In addition, you can take free courses on choosing a house and building a house online, so it is also recommended for those who want to learn the knowledge of housing from the basic part.

You can consult as many times as you like at the window of your home for free, so let's ask more and more.Listening to the neutral opinions of a third party will clearly know the best timing for you.

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