住宅ローンは国が支援しているﾌﾗｯﾄ３５が自営業や短期社員のお客様も貸出しをしてくれるのでモデル例として説明します。ﾌﾗｯﾄ３５取扱金融機関も多数ありますが、その中でもっとも低い金利で全期間固定金利貸出を行っているＳＢＩﾌﾗｯﾄ３５の金利等を述べておきます。返済期間は完済時８０歳未満で１５年～３５年になります。毎月返済額は年収４００万円以上のお客様は年収×３５％÷１２カ月＝毎月返済額上限です。年収４００万円未満のお客様は３０％を年収に掛けて１２カ月で割ってください。金利は２.１６%前後なので暫定的に２.１６%をいれておけば良いとおもいます。
ＳＢＩﾌﾗｯﾄ３５ホームページ
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