Rapid increase in the number of people reviewing mortgage repayment conditions Impact of the new corona September 12, 17:39
As the effects of the new coronavirus continue to prolong, it is becoming more difficult to pay mortgages as planned, and more and more people are reviewing their repayment terms and reducing their monthly repayments.
Many people are forced to sell their homes due to delays in repayment of loans, and the Financial Services Agency is calling on financial institutions to consult immediately if they have trouble repayment.
The Japan Housing Finance Agency, which handles mortgages, responds to revisions to repayment conditions for people whose income has decreased due to the effects of the new coronavirus, extending the repayment period by up to 15 years to reduce the monthly repayment amount, or for a certain period of time. We are taking measures to reduce the repayment amount.
According to the support organization, it became difficult to pay mortgages as planned due to the spread of infection, and the number of cases where repayment conditions were changed was 2 in March, but increased sharply after April and 1483 in June. , There are 1205 cases in July and 987 cases in August.
In addition, as the effects of the new virus continue to prolong, many real estate companies in Yokohama have been consulting since the middle of last month to sell their homes because they could not pay their loans.
Loan payments are delayed, causing large amounts of late damages and forcing you to sell your home.
If you have trouble repayment of a loan, the Financial Services Agency is calling for you to consult with a financial institution immediately without having to take up new debt.
Some people have had to part with the apartment
Some people couldn't afford their mortgages and had to give up their familiar condominiums.
A man in his 50s in Kanagawa Prefecture bought an apartment for about 20 million yen 13 years ago when he was newly married, and has lived with his wife and son of a junior high school student.
I made a 35-year loan and paid 50,000 yen every month.
Until now, I have continued to repay while managing my household budget, but due to the spread of infection, the number of jobs at the signboard installation company that I run has decreased, and my monthly income of about 200,000 yen has almost disappeared in July. It was.
For this reason, I have used my savings to pay for the loan, but there is no prospect of a recovery in income, and my son, who is in the third year of junior high school, is preparing to take the high school exam next year, so he can use it for education. I decided to let go of the apartment.
A buyer was found in July, and the sale price was over 14 million yen.
However, it is said that if you pay the rest of the loan, you will have almost no money left.
On the 5th of this month, a man's family left an apartment full of memories and moved to a nearby rented room.
The man said, "I was going to live in this place all the time, so I never thought I would let go of my house in Corona. My son grew up in this house since he was born, so he is more attached to me. I'm sorry that I had to move because of my parents' circumstances. I have nowhere to go with my anger, and now I feel a mixture of regret and sadness. " I did.
Real estate company "Immediately consult with financial institutions"
It is said that a real estate company in Yokohama City has been receiving a series of consultations since the middle of last month asking them to sell their home because they could not pay their mortgage.
Ryu Minemoto, CEO of the real estate company "Restart", said, "Many people have endured the spread of the infection by receiving repayment grace from financial institutions for a certain period of time and using national benefits for payment. , The influence of Corona has been prolonged, and many consultations have been received recently that "I have to sell it at last". The delinquency continues, and "If I can not pay the loan this month, my home will be auctioned". There are also many consultations, and everyone has been pushed to the point where they haven't waited anymore. "
On top of that, "If you have trouble paying a loan, many people will take out a new debt with consumer finance or sell it after they have no choice but to cut down their savings, but if you do so, your debt will swell and you will have it even if you let go of your home. You will run out of money. It is important to consult with a financial institution as soon as it becomes difficult to repay the loan. "