July 1, 2009

土地を買って、家を建てる

数年前にと比べると
「土地を買って、家を建てる!」という方が激減したように思います。

理由は諸々あります。

その大きな要因の一つに

「住宅ローンと家賃の二重払いが厳しいから」

というのがあります。

しかし、本当は自分たちの思い通りの家を建築家と一緒につくりたいのに
それが理由で仕方がないから諦めるというのは
私にとっては残念で、残念でなりません。


予てより「ローンと家賃の二重払いを解消するために協力してくれ!」
と数社の工務店に懇願して来ました。

そして、今回やっとその準備できました。

名づけて

『建築家との家づくりを実現するために、施主の代わりに土地を買っちゃいますシステム』

ふざけているつもりは全くありません。
システムの名称は改めてきちんとつけます。


簡単に説明しますと

通常は土地取得と同時に住宅ローンの土地の部分の支払が始まります。
すると、設計期間中と工事期間中の約1年以上の間
土地のローンと今の家賃との二重払いの時期があります。

しかし、このシステムを活用すると
住宅ローンが始まるのは工事が完成して引渡が終わってからでよくなります。

つまり、あなたが住みたいと思う土地に
あなたの思い通りの家を建築家と一緒につくれるけど
ローンの支払は建売住宅を買ったときと同じですよ。

ということです。


とにかく、一人でも多くの方に建築家と家づくりを楽しんで欲しい!
ただただ、その一念でやっております。

詳しくお知りになりたい方は、お気軽にお問い合わせください。

建築設計者の皆様からのお問い合わせも受け付けてます。

Posted by asazuma at July 1, 2009 5:14 PM | TrackBack
Comments

そんな画期的なことできるんですか!でも余程資金力のある工務店でないとできませんし、結局は請負代金に利息が乗っかるわけですよね?

Posted by: ひとりごと at July 2, 2009 9:40 AM

ひとりごとさん、どうもです。

>でも余程資金力のある工務店でないとできませんし、

もちろんそうです。

>結局は請負代金に利息が乗っかるわけですよね?

これも、そのとおりです。
期中金利だけでなく、経費、税金等も価格に乗ることになります。
しかし、このシステムは「二重払いをなくす」ことが目的です。
そして、個人が土地を買うよりも業者の方が安く購入できる可能性もあります。

繰り返しですが
「住宅ローンは問題なく組める。
でも、家賃との二重払いがきつい。
だけど、やっぱり建築家とつくりたい!」と
いう方のためのシステムです。

Posted by: asazuma at July 2, 2009 11:06 AM

よく、「建築家に頼むと高い?」と質問され、
私は「高い安いは個人的な感覚もあるから
なんとも言えないけど、ある程度お金に余裕が必要」
と、答えます。二重払いが最大の理由。
そして、二重払いをしながら(融資が全額でる前に)、
設計や工事の契約金等を払っていただく事を考えると、
「資金的に余裕がないと無理」と言わざるをえないです。
このシステム、非常にいいと思います。

Posted by: J16 at July 2, 2009 2:14 PM

J16さん、どうもです。

このやり方を受けてくれる工務店を見つけるまでにもう何年もかかりました。
現時点で4社が受けてくれる体制が出来ました。

これは設計者にとっても必ず役に立つ仕組みのはずです。

どんどん口コミしてくださいね。

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