Life Simulation
Knowing and not knowing can make a huge difference in the total amount of several million yen!
Doing proper research and planning before purchasing a home can make a difference in your future expenditures by millions.
The difference between "people who just happened to take out a mortgage" and "people who took out a mortgage after careful consideration in advance" is
The “expenses” in your life cash flow can really vary by millions.
It is a wise choice to "understand the current situation and make a decision" rather than deciding to purchase afterwards
It often happens that actions you take that you think will be beneficial to you actually end up having the opposite effect.
The key to buying a home is to understand your current situation through a financial plan before taking any big action.
The purpose of the FP simulation conducted by Century 21 BS Home is to objectively organize the current situation and obtain information that will enable you to make decisions that are advantageous to you in the future.
Gaining clear criteria for decision-making through financial planning consultations is a major key to making a home purchase that you will not regret.
For those who have the following concerns
Is it better to continue renting or to buy a house?
Let's compare the "lifetime housing costs" of living in a rented home for your entire life with those of buying and owning a home.
By running a financial planning simulation, you can easily compare the annual payments for rent and home loan repayments.
Let's use FP simulation to find out what conditions are best for your life.
Should I buy it now?
Is it better to save up a down payment first?
When is the best time to buy a home?
In some cases, a difference in purchase date of just a few years can result in a difference in spending of more than 3 million yen.
It is certainly better to have a larger down payment, but it doesn't seem like it's a good idea to increase it indiscriminately.
In a financial planning simulation, we consider what would be most advantageous for you, taking into account various factors such as fluctuations in interest rates and prices, as well as the remaining debt status at the time of retirement.
Use Century 21BS Home's FP simulation to determine the best time for you to purchase!
Which is ultimately cheaper: fixed or variable interest rates?
Compare the total repayment amount, which varies depending on the interest rate!
The choice of loan interest rate alone can ultimately mean a difference of hundreds of thousands of yen.
Also, depending on the terms of the early repayment, not only the amount but also the repayment period can vary significantly.
If you are unsure, please feel free to consult with us first to get a FP simulation.
I want to buy a house, but I'm worried because I'm not sure how I'll manage my finances in the future...
Calculate your future income and expenditure based on your family situation!
With FP simulation, you can simulate your life's income and expenditure (savings), including not only the three major expenses in life - housing costs, education costs, and retirement costs - but also living expenses and income from retirement benefits, pensions, part-time work, etc.
Monthly living expenses vary from family to family, and the number of children and where they go to school also vary, which greatly affects income and expenditure.
The first step towards buying a better home is to clarify your family's life plan with a financial planning simulation.