最近、家計の節約にはまっています。当然ですが無駄なお金を使いたくないですよね。汗水たらして働いたお金ですから。子どもたちの将来のこともあるし、大事なお金を大切にしたいと思っています。今考えると若い頃はギャンブルしたり、「お金が死んでいた」気がします。自分の心がけ次第でお金は生きたり死んだりするわけです。
節約についていろいろな本を読み漁っていると、とにかく「固定費を減らしましょう。」や、「生活レベルを見直しましょう。」といった節約方法を薦めている本が多いですね。毎月の支出は住居費や光熱費、通信費などの「固定費」と、食費や交際費などの「変動費」に分けられて、固定費は毎月支払いが続くので、この分を見直すことで効果的に支出を減らせるという訳です。例えば、フィットネスクラブの会員費用など一括の支払いではなく毎月続く支出は気がつくと相当な支払いになっているので注意が必要ですね。
最近読んだ、「ナリワイをつくる」でも、とにかく今ある生活を根本から見直して、「家の建設ですらDIYが可能」といった普通の人が思ってもみないような節約術を薦めています。家計を見直して自分にあった生活スタイルを見つけることはとても重要ですね。
我が家でも保険の見直しや、携帯契約をMVNOに変更することで、固定分の支出を見直すといったことには取り組んできましたが、やはり最も劇的な効果があったのは、「住宅ローンの借り換え」でした。ご存知の通り日本では未だに低金利が続いています。例えばじぶん銀行で10年固定の場合0.62%(2017.01月現在)です。
複利というのは本当に恐ろしいもので、0.1%の違いが数十年後にはとんでもない差となります。借り換えにかかる費用が一見大きく見えるため、手間なども含め借り替えるのには決断の要るところですが、ぜひシミュレーションをして違いを計算してみたいところです。
例えば我が家の場合は、財形住宅金融公庫から固定金利35年で2.7%(当初10年は金利優遇1.7%)という住宅ローンを組んでいたのですが、6年が経過してそろそろ2.7%という金利が見えてきたところでした。低金利時代なので変動金利を選ぶのもありなのですが、住宅にリスクを背負うのも何か違うなと。繰上げ返済を頑張って、残り25年まで減らしたものの、残り期間が2.7%というのは厳しいなぁと思っていました。
そもそも、金利の支払いというのはお金をドブに捨てているのと同じです。住宅ローンを組むことが出来るならそれだけの信用を得ているのと同じこと。にも関わらず高い金利で借りているのは本当に損失です。借り換えを考え始めていたところに、0.6%などの非常に良い金利が見えてきたのでシミュレーションをしてみると一発でこれはやるしかないなと感じました。
例えば、我が家の場合は以下表の上のような感じでお金を借りています。それが、10年固定の0.62%で借りられると実に500万円もの差が出ます。残りの変動期間は現在と同じ2.73%で計算しても、です。実際今の状況で10年後に2.73というのは結構高めだと思いますが。万が一それ以上上がったとしても10年で残債は半分ほどになっていますので金利の影響をそれほど受けませんし。やはり、借り始めの段階で動きだすことが重要ですね。
| 期間 | 金利 | 返済方法 | 借り入れ金 | 総返済額 |
| 20年 | 4年 1.73%、残り期間2.73% | 元利均等 | 3500万円 | 44,028,708円 |
| 20年 | 10年固定 0.62%、残り期間仮に2.73% | 元利金等 | 3500万円 | 39,249,063円 |
しかも最近の住宅ローンには、団信が無料でついていたりします。
これは住宅ローンを組むときに、担保替わりとして、生命保険に加入するものです。これは金融機関によってまちまちですが、ローンが高額になるほど馬鹿になりません。これも、じぶん銀行など最近の住宅ローンだと組み込まれていて50%の条件つきではあるものの、無料になったりします。上のシミュレーションに加えてこの費用が削減できると思えばもうやらない意味が無いですね。
すこーしずつですが、最近また金利が上昇し始めているようですね。
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