How much will it cost to live in a detached house?Simulation in the case of a family of 4

The maintenance cost of a detached house is about 400,000 yen a year

The maintenance cost of a detached house is about 400,000 yen a year.Here, let's take a closer look at the specific breakdown and calculation method of maintenance costs.

Property tax

Property tax is a tax imposed on fixed assets such as land and buildings that you own, and is calculated based on the valuation as of January 1st.

The specific formula is "Property tax valuation x 1.4 % (standard tax rate), but property tax is local tax, so 1 depending on the local government..5 % and 1.There may be some differences in the tax rate, such as 6 %.

In addition, property taxes are calculated about land and building, and both can be reduced if they are for residence.

Reserve for repair costs

In the case of a detached house, it is necessary to accumulate repair costs by yourself because there is no repair reserve fund like an apartment.

The timing of repair varies depending on the location, so it is safer to save it and planned rather than trying to prepare the cost at once.

The standard for repair costs for detached houses is about 6 million to 8 million yen in total, so if you own it for 35 years, the reserve amount of "about 170,000 to 230,000 yen a year" will be a guide.。

Insurance fee

When owning your own home, it is common to take out fire insurance or earthquake insurance in case.

Especially when borrowing a mortgage, it is safer to incorporate insurance premiums in the maintenance costs in advance, as you need fire insurance in principle.

The insurance premium for fire insurance is 150,000 to 200,000 yen in 5 years, but it depends on the range of compensation, the presence of a special contract, and the payment method.If you select the 10 -year lump sum, the longest period, the total burden will be reduced.

Difference from apartment

Detached houses and condominiums have a significant way of thinking about maintenance costs.

In the case of apartments, maintenance costs are planned every month as a reserve fund for repairs.In addition, management costs to maintain and manage common equipment are required, and it costs about 30,000 yen per month in total.

However, the reserve fund for repairs is only "accumulation for the entire condominium or shared part", and is not the money that can be used for renovation or repair in the room.

In repairing and renovating your room, it is necessary to reserve separately.Therefore, considering the parking fee, it is necessary to consider about 500,000 yen a year in the city center as a guide for maintenance costs.

How much is the monthly living expenses of the family?

Next, let's take a look at the average family's case for living expenses in detached houses.

Average family living expenses

According to the Ministry of Internal Affairs and Communications's 2020 survey data ( *), the average living expenses per month (excluding housing expenses and maintenance costs) are as follows.

このデータはあくまで平均値であるものの、住居費や維持費を除いた生活費は、totalで毎月30万円程度が目安だといえます。

If the annual maintenance cost is 400,000 yen, about 3 per month.30,000 yenとなるため、「totalでは33.It is thought to be about 30,000 yen.

住宅ローンの返済計画を立てるためには、このAmount of moneyをベースにsavings額なども検討しながら、無理のないMonthly repayment amountを設定することが大切です。

( *) Ministry of Internal Affairs and Communications Statistics Bureau "Household Research Household Reserve 2 or more Households 2020"

annual incomeではなく収支のバランスが重要！ 家計を見直すコツとsavingsのポイント

Considering monthly maintenance costs and mortgage repayments, we want to save as much living expenses as possible.Here are some points you want to look at when reviewing your household budget.

見直しはコントロールしやすいFood expensesや娯楽費から

生活費のなかでも、特にコントロールしやすいのはFood expensesや娯楽費です。Food expensesは生活費のなかでもっとも大きな割合を占める費用でもあるため、節約できれば大きな効果が期待できます。

Compared to the above results, only 70,000 yen per month can save 200,000 yen or more a year.The trick is to calculate the entertainment costs on a monthly basis, not on a monthly basis.

Know how much money you can spend freely a year, and decide how to use it backwards.

Review fixed costs

The next thing I want to look at is the fixed cost that generates a certain amount every month or every year.For example, if you consider a cheaper plan for mobile phones and the Internet, you can save a lot of money a year.

子どもの成長に合わせて必要なEducational expensesを割り出す

Educational expensesが特にかかりやすいタイミングは、ある程度子どもの年齢に応じて予想することができます。進学や受験といったイベントから現在の年齢を逆算して、早い段階でsavings計画を立てておきましょう。

If you have enough income, consider a private pension

If you have enough income, you can use a private pension such as iDeCo (Ideco).Since the full amount of the stake is subject to income deduction, a large tax saving effect can be expected while saving.

Especially if the mortgage repayment period continues after retirement, it is safe to consider the decline in income after retirement.However, since iDeCo is an investment, there is a risk of broken principal.Please check in detail before considering.

〈annual income別目安表〉住宅ローンはどのくらいの負担なら無理なく返せる？

ここまで、一戸建ての維持費と生活費について紹介してきました。では、これらのAmount of moneyを踏まえて、住宅ローンは毎月どのくらいなら無理なく返済できるのでしょうか。

Here, let's simulate the reasonable repayment amount by annual income.

Index that makes a reasonable repayment plan

As an indicator to check the safety of the repayment plan, it is important to look at the "repayment burden rate".

The repayment burden rate is a number that indicates the percentage of annual repayments for annual income, and it is generally said that "25 % or less" can be repaid easily.

Therefore, when calculating the monthly repayment amount, set it so that it fits into "1/48 of the annual income".

annual income別借入額の目安表

When the repayment burden rate is set to 25 %, let's simulate how much the borrowing actually is.

This time, we simulated under the following conditions.

conditions

Then the result was as shown in the table below.

Actually, the results vary depending on the interest rate and repayment method, but please refer to it as a guide for the borrowing amount.

Let's use the calculation tool for living expenses

You can simulate the living expenses after purchasing your own home.

LIFULL HOME’Sの「おうち予算シミュレーション」では、年齢やannual income、家族構成などの項目を入力するだけで、簡単に住宅ローン返済額や生活費の理想値を調べることが可能です。

今回は、以下のconditionsを設定したうえで、実際に試算してみましょう。

conditions

上記のconditionsで試算をしてみると、結果は以下のようになりました。

With this model case, it can be a calculation that can prepare 600,000 yen a year as a maintenance cost, so it can be said that you can maintain your own home sufficiently.

なお、「おうち予算シミュレーション」では、算出されたそれぞれの項目についてAmount of moneyを調節できます。たとえば、「Food expensesはもう少し削れそう」という場合には、Amount of moneyを小さくしてその分をsavingsに回すことも可能です。

While comparing with your current household budget, let's check the simulation tool how much the income and expenditure after purchasing your own home will be.

summary