住宅ローンを組む時に必要となる担保について

金融

人生で一番大きな買い物と言われているマイホームは、住宅ローンを利用して購入する場合がほとんどです。

いつかはマイホームを持ちたいと考えている人は少なくないでしょう。

多くの人が、これまで買ったことがないほどの大きな買い物を経験するのが、家を買う時だったと言うようです。

多くの人が、家を買うためのお金を確保するための手段として、金融会社の住宅ローンを利用しているようです。

住宅ローンの手続きを行う時は、担保を用意してお金を借りるというスタイルが一般的なものです。

スポンサーリンク

基本的には担保として使うものは、土地や家などの評価価値があまり動かないものです。

もちろん、土地や物件も担保として有効ですが、物的な担保以外にも実は人的担保というものがあります。

人的担保というのは、いわゆる保証人や連帯保証人、連帯債務者といわれるものです。一旦組んだ住宅ローンの返済が行き詰まってしまった場合に、連帯保証人に返済の責任が生じることがあります。

住宅ローンを組む時に人的担保を用意したいと思っても、条件を満たす人がいないこともあります。

いざという時は、申込み者の代わりに返済をしなければならない人なので、年収や、勤務先、勤続年数などが審査されます。

担保として保証人をお願いする以上は、問題が起きた時に巻き込んでしまう相手になりますので、慎重に選ばなけれぱなりません。

スポンサーリンク

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