【老後の資金がありません?】リバースモーゲージって?
老後の資金不足にお悩みのあなた、「リバースモーゲージ」についてご存じですか。ここ数年日本でもリバースモーゲージの取り扱いが増えています。この記事では、リバースモーゲージがどんな仕組みの商品なのか・メリットとデメリットを合わせてご紹介していきます。
目次
どうして、今、老後の資金について考えたほうが良いのか
老後の公的年金の2000万円不足問題については、ニュースで騒がれた事が記憶に残っている方も少なくないはずです。今回は、実際に現在必要とされると言われる、老後の資産額については割愛しますが、なぜ老後の資金について、今から考えておくべきなのかをお話します。
ここ2年間、年齢性別関係なく、コロナの不況が世間を襲いました。そのような特別な状況は別としても、食費や衣類、住居費、通信費等日常必須な出費に加え、急な医療費が必要になるケースや税金、保険料など、生きていくうえで必要なお金には限りがありません。現役時代と同程度の収入がなくなったとして、そのすべてを年金でカバ―するのは困難であると言わざるをえません。そのためにも、今から、老後の資金について考えることは大切で、貯蓄や、金融商品の利用を検討するのも早いうちをおすすめします。
さっそくリバースモーゲージについてお話
最初に、「「リバースモーゲージ」とは何かご紹介しましょう。
リバースモーゲージは、高齢者がマンションや戸建ての自宅に住み続けながら、家を担保とし、金融機関から生活資金を借り入れ、利用者が死亡後に、相続人が自宅を売却するなどして、借入額を一括返済する仕組みのことを指します。老後の資金調達の一つと言えるでしょう。日本でも自治体の他、ここ数年、メガバンクだけでなく、地方銀行でも取り扱いが増えてきており、もともとは、１９６０年代から欧米で広がりを見せていました。
とはいっても、リバースモーゲージは通常の在宅ローンとは異なり、その融資内容も、自治体、各金融機関ごとに異なるため、後で、ご紹介していきます。
リバースモーゲージはどんな人が利用できる？メリット・デメリットについても考えてみましょう
リバースモーゲージは、独身、または家を相続させる必要がない方、老後の生活を充実させたいと考える方におすすめできると言えます。そのため、子どもがおり、家の相続を検討する方や、そもそも持ち家のない方は利用することができません。
金融機関等により若干異なるものの、次に該当する方が、リバースモーゲージを利用することができます。
・60－80歳
・担保である不動産が条件に合致すること
・老後の生活資金を使用用途とすること
担保となる持ち家は一戸建てとされていることが、ほとんどです。一部の機関でマンション等も可能なケースがありますが、資産価値により、左右されます。使用用途については、基本は自由とされていますが、投資資金や事業資金への利用が、認められていない金融機関も存在します。
次にリバースモーゲージのメリットとデメリットを考えていきます。
■メリット
・持ち家を売却する必要がない
・返済額は少額で済む
・資金の用途に制限がない
■デメリット
・金利が上昇することがある
・融資には限度額がある
・生存中に自宅を明け渡す必要があるケースも
【メリットの解説】
リバースモーゲージは、持ち家があるのに、生活資金に余裕のない方にしてみれば、持ち家を売却せず、貯蓄を取り崩さずに資金をキープすることができます。また、基本的に返済については、利用者の生存中は、返済は不要、もしくは利用した融資のうち利息のみの支払いのみと定めていることがほとんどです。資金の使用用途は、基本は自由としている機関が多くあり、融資されお金で、住宅ローンを一括返済することもできます。
【デメリットの解説】
リバースモーゲージは、金融機関等によりますが、金利は変動金利がメインとなっています。そのため、毎月返済しなくてはならない利息が、場合によっては増額してしまうリスクもあるため、デメリットと言えます。
担保となる不動産には、評価額が存在します。そのため、思っている以上に評価額が低いこともあります。多くの場合、融資の限度額は、不動産の評価額の1/2程度で設定されることが多いと言われています。
また、近年は平均寿命が伸びています。そのため、金融機関等も、リバースモーゲージの契約期間を設置している場合があります。契約期間を超えてしまった場合は、新たに借入をすることができないばかりでなく、自宅を明け渡す必要もでてきます。
リバースモーゲージを取り扱う機関は？公的・民間の差について
リバースモーゲージは自治体が行っている、福祉事業としての公的なものと、民間の金融機関が行うものがあります。
公的なものについては、全国にある、社会福祉協議会が「不動産担保型生活資金」との名称で取り扱っています。居住用不動産(土地)の評価額の70%程度の借入が可能となっており、金利については、年利3%または毎年4月1日時点の長期プライムレートのいずれか低い利率となっています。比較的低金利と言えますが、低所得者向けと言えます。
一方、金融機関が行う民間型は、土地評価額に対しての融資を受けられる割合が高くなく、50％程度と低く、公的なものと比較すると、金利もやや高くなる傾向にあります。
しかし、所得による制限については、広いのが特徴で、金融機関により、年齢・年収・居住地域等に条件がみられ、その内容もかなりの差があるので、それぞれ比較し、慎重に選択する必要があります。
まとめ
リバースモーゲージは、自宅を担保として、60-80歳の方が融資をうけることができる制度で、老後の資金調達として利用できる商品です。融資を受けた場合、生存中には、利息のみの返済、または返済がいらないなど、負担が少なく資金を用意できるのがメリットです。一方で、変動金利が多く、利息が高くなってしまうことや、融資に限度額があるなどのデメリットも存在します。条件はそれぞれありますが、公的・民間ともに取り扱いがあります。リバースモーゲージを検討する場合、いくつかの機関を比較し、メリット・デメリットを検討する必要があります。
「今後の生活環境が変わる事への不安」や「介護を使って生活をどうデザインをしていったら良いか」など介護は協力体制で成り立っております。 ちょっとでも解決できる、ストレス軽減できる記事を目指し、一つの相談場所のメディアを目指しております。
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