当然ですが私なりの考え方です。
さらに言うと、私はトレーナーでして、そんなにしっかり勉強している訳じゃない。
話半分に聞いてね！
一軒家 VS 賃貸
俺はこの勝負「賃貸の圧勝」だと思っている。
ローンで一軒家を買う友人が増えているんだよね。
本音を言うと、みんな何でそんなリスクを背負うだろう、と思う。
例えばなんだけど、横に住んでいる人がモンスターのような住民だったらどうするの？
賃貸なら引っ越すけど。
地震や火事とか絶対大丈夫？
保険があるとはいえ損失すごいことなるっしょ。
賃貸なら出て行くけど。
修繕費とかかかるでしょ。
ローン３０年だよ。
賃貸ならオーナーに直してもらうけど。
転勤や転職を余儀なくされたら不便じゃない？
行動範囲狭まるよね。
賃貸なら引っ越すけど。
ローン３０年あるけど、その仕事３０年続けられる？
同じペースで３０年やで？
賃貸なら生活レベル落とすように引っ越すけど。
ローンが終わったら家賃０円だし、資産として残る？
確かに実際に３０年後、家賃０円は大きな魅力だ。
でもそれ３０年後でも新築のイメージでいない？
３０年後は築３０年だよ。結構ボロきてない？売るとしても価値低いよね。
その場所の価値とかは変わってないのかな？
そもそもだけど、新築で買った瞬間新築じゃないからね。
その瞬間価値が下がってるからね。
賃貸ならそのローン分を投資に回すけど。
俺は怖くて３０年ローンなんてできない。
３０年の高い支払いがあったら投資はおろか、起業もしにくくなるし。
安い賃貸に住んで、節約して、投資して、企業を目指すのが気楽でいいなぁ。
最後に。
ボロカスに書いてしまったけど、実際に一軒家買う人も多いし、かなり対策もできるんだろうな。
今回の記事はあくまでも今回は俺の考え。
たぶん賢い人が賃貸派だったら逆にボロカスに反論されるだろうｗ
Naturally, it is my own way of thinking.
Moreover, I’m a trainer and I’m not studying so well.
House vs. rental
I think this is a “rental victory”.
More and more friends buy a house with a loan.
I really wonder why everyone would bear such a risk.
For example, what happens if the person who lives next to you is a monster-like resident?
I will move if I rent.
Are earthquakes and fires all right?
Even if there is insurance, it will be a great loss.
I will go out if I rent.
It will cost repair costs.
Loan 30 years.
If you want to rent it, the owner will fix it.
Wouldn’t it be inconvenient if you were forced to transfer or change jobs?
The range of action will narrow.
I will move if I rent.
I have a loan for 30 years, can I continue that job for 30 years?
30 years at the same pace?
If you rent, you move to lower your standard of living.
Will it remain as an asset when the loan ends?
No, isn’t it a new image even 30 years later?
30 years later, it’s 30 years old. Can it sell?
Is the value of the place unchanged?
First of all, it’s not a new construction the moment you buy it.
Because the value of that moment is going down.
If you want to rent, you can use the loan for investment.
I wrote in Borokasu, but there are many people who actually buy a house, and I think they can do a lot of work.
But this time is my thought.
I’m scared and I can’t make a 30-year loan.
If you pay for 30 years, it will be difficult to start a business, not to invest.
It’s nice to live in a cheap rental, save, invest and aim to become a company.
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