住宅ローンを借りると決めたら

住宅ローンを借りると決めたら銀行にはすぐに行かないほうがいいです。
そんなばかなと疑うかもしれませんが、自分は金融の話にうといと自覚している人ほど、住宅ローンを借りたくなっても金融機関の店舗にはすぐに出向かない方が賢明です。
住宅ローン初心者が金融機関と上手にお付き合いする方法をお教えしましょう。

初心者が窓口にいきなり行くとこうなる

金融機関を敷居の高い場所だと思っている人は少なくありません。そういう人たちが緊張の面持ちで金融機関の窓口に出向くと、たいてい舞い上がった状態のまま、先方の話についつい引き込まれてしまいます。しかし残念なことに、あなたの前に現れる窓口の担当者には、「当たり外れ」があります。経験年数が浅い人はもちろんのこと、そうでない人もマニュアルに記載されていない事柄にはうまく対応できません。あなたにベストな提案をしてくれるとは限らないのです。

そもそも金融機関の担当者は、住宅ローンを企画・販売する「メーカー」の社員であって、販売のプロフェッショナルであるとは限りません。お金のことや住宅ローンのことを詳しく知らない一般の人に、その商品を分かりやすく説明する訓練を十分には受けていない可能性もあります。にもかかわらず、彼らはたいてい住宅ローンの販売ノルマを課せられているので、人によってはあの手この手でローンを組ませようとしてきます。

たとえば、金融機関の店頭に赴いたあなたと担当者との間には、こんなやりとりが想定されます。

こんなふうに窓口の担当者のペースに巻き込まれ、小難しい金融用語を並べた説明を延々と聞かされるおそれがあります。住宅ローン商品の候補を選ぶプロセスでは、金融機関に出向いての相談はあまりお勧めできません。

コールセンターでキャッチボール

弊社で、よくお客様にお勧めしているのは、同じ金融機関でもコールセンターを利用する方法です。住宅ローン商品を調べて、借りたい有力な候補が出てきたら、自分は借入れが可能かどうか、優遇条件が適用されるか否かなど、さまざまなことを確認したくなるものです。そんなときはコールセンターに直接尋ねるのです。

こんなふうに、電話口のスタッフは応対の品質がある程度一定です。営業的なトークはほとんどなく、専門のスタッフがその場でマニュアルを見ながら回答してくれるので安心です。分からなければ調べて折り返し電話をしてくれるなどの利点もあります。フリーダイヤルや割安なナビダイヤルで電話をかけられるうえ、夜9時まで受け付けをしていたり、土日も対応してくれるところが多いのも魅力です。

ただし、コールセンターでは、審査通過の可能性や結果についての質問などにはたいてい答えてもらえません。(個別の対応については、実際に住宅ローンを申し込んでみないと分からないのは店頭でも同じですが、、)

金融機関に足を運ぶのは最小限の回数でいいのです。融資の申込み時、契約時の2回、もし必要であれば融資の実行日を入れて、合計に3回に抑えることです。

ご相談は無料です。

マンション、土地、一戸建の居住用不動産のほか、投資用不動産や、事業用不動産もお任せください。また、権利関係の難しい借地権や底地権などの不動産についてもお気軽にご相談ください。

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