Average purchase cost of custom -built houses

First of all, we will introduce the average funding for custom -built houses from two patterns: if you already own land and if you want to buy land.

Average purchase fund for custom -built houses

According to the Ministry of Land, Infrastructure, Transport and Tourism, the Survey of the Housing Market Trends in FY200th, the average cost of custom -built houses is 46.06 million yen when the purchase of land is included, and 30.55 million yen if it does not include land purchases.increase.

Therefore, it can be said that this price range is one level first.However, it is necessary to focus on land -based custom -built houses that make a big difference depending on the area they purchase.

In particular, if you are considering purchasing in the 23 wards of Tokyo, where land prices are high, it is important to estimate your budget higher than the average market price.Also, the price varies depending on the size of the house, so be aware of the size.

Image of a detached house built

The average construction budget in custom -built houses is 30.55 million yen, but the details are greatly affected by the plan and size.Custom -built houses are more likely to have a difference in cost, as the freedom of layout, equipment, and design is high.

Here, let's look at the image of a detached house that can be realized by budget.

Building costs 10 million yen

The budget is much lower than the average, but you can build a house with enough quality depending on your ingenuity.

The main option is a house called "low cost housing" with a unit price of 400,000 yen or less, and specifically, the cost can be reduced by the following method.

A two -story building is a structure that matches the first and second floors in the same floor area.By reducing the irregularities of the outer wall, the required building materials and processes are reduced, and costs can be reduced.

In addition, since the balance of the upper and lower floors is easier to maintain, it can be expected to improve earthquake resistance, heat insulation, and airtightness at low cost.In addition, there are points in the room, such as reducing the number of storage space and living rooms to reduce costs such as partitions and doors.

In this way, low -cost housing is used to reduce the quality as much as possible, and by improving the efficiency of purchasing and processing, it is devised to reduce only costs.

Building costs 20 million yen

Although it is slightly lower than the average, the following points are born compared to the 10 million yen range.

That said, not all of the above commitments can be realized.Therefore, in order to create a convincing house, it is important to clarify the priority of facilities and conditions, and to make the cost of spending costs and not.

Building costs 30 million yen

It is a price range close to the average funds introduced earlier, and it is a budget that can generally realize the desired conditions.

Building costs 40 million yen

Since there is a margin of nearly 10 million yen than the average cost, various plans can be realized as follows.

In many custom -built houses, wooden structures have an excellent wooden structure that balance costs and quality, but have the drawback that wooden structures increase the amount of pillars and walls compared to steel -framed or reinforced concrete structures.

If you have a budget for the 40 million yen range, you can choose a steel frame that is easy to cost, so you can realize a wide frontage living room and a large window that removed the pillars.

In addition, we can see homes made of natural materials with excellent living comfort and design, and two -family houses with a completely separate type that independently of residential space.

Average purchase cost of built -for -sale housing

In the case of built -for -sale houses, the plan and processes are often uniformed by house makers, so it is difficult to make a big difference in construction costs compared to custom -built houses.

However, since the land fee is built in the purchase fund, there will be differences in the total cost depending on which area to purchase.

According to the "Second -year Housing Market Trends Survey", the average funding for built -in housing in the three major metropolitan areas is 38.26 million yen.The average funding in the Tokyo metropolitan area is higher than in other areas, as in land -friendly custom -built houses.

In addition, although it is not possible to achieve free plans like custom -built houses, there are many options from general houses to high -performance high -grade houses.Therefore, first decide a reasonable budget, then consider purchasing while considering the balance with the plan.

What costs do you cost anything other than the property purchase price?

When considering your own home purchase budget, you need to look not only for the purchase price of the property but also for the accompanying expenses.Here, let's take a look at the main breakdown of various expenses and the estimated amount.

Breakdown of expenses

There are two types of expenses: what you need to purchase a property and what you need when using a mortgage.In addition, when starting from a land purchase in a custom -built house, there will be various expenses for land purchase.

First, let's look at the costs required when purchasing the property.

物件の購入に必要な費用

* When purchasing a built -in house with an intermediary of a real estate company

In addition, when using a mortgage, the following expenses are required.

住宅ローン利用時の諸費用

* When using a mortgage such as "Flat 35"

And there are the following expenses when purchasing land.

土地購入時の諸費用

In some cases, it is necessary to investigate and improve the ground depending on the situation, in which case it will be more expensive.

Therefore, when starting a house from choosing a land, consult a construction company that requests architecture and consider purchasing while considering the total cost.

Estimated ratio for various expenses

The specific amount of expenses varies depending on the individual case, but the following ratio is a guide.

Estimated ratio for various expenses

In this way, the amount of expenses is not cheap, so it is important to incorporate it into the budget in advance.

What procedure should the home purchase budget be decided?

Finally, let's look at the procedures and tips for determining the budget for the house.

Clarify the down payment

The purchase budget for the house is determined by the "down payment + mortgage loan amount".Therefore, first clarify the down payment amount.

However, as described above, when purchasing a house, all of your own funds should not be used for down payments.In addition, it is important to keep living expenses for at least half a year or more as a reserve expense, considering the living expenses and the moving price after purchase.

In other words, it is necessary to calculate as "self -fund- (expenses + reserve expenses) = down payment".

Simulate mortgage borrowing

Next, simulate the mortgage loan.When deciding on a borrowing amount, it is important to calculate how much repayment amount can be paid every month through the "repayment burden rate".

返済負担率とは、「年収に対する年間返済額の割合」のことであり、一般的には25 %以内であれば無理のない範囲とされています。

たとえば、年収400万円で返済負担率を25 %とした場合、月々の返済額は「400万円×0.25 ÷ 12 months = 8.30,000 yen.In other words, if the monthly payment is a repayment plan that fits under 83,000 yen or less of the annual income of 1/48, it is easy to judge that it is safe.

Therefore, let's set the monthly repayment amount to the current annual income "1/14" and calculate the borrowing amount with the mortgage simulator.In addition to the monthly repayment amount, the mortgage borrowing amount depends on the repayment period, interest rate, and repayment plan.

Therefore, it is important to consider the repayment period when simulating and reflect the interest rate type and interest rate of mortgage products you actually want to use.

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