What is a leaseback that you can continue to live in even if you sell your house? ?? ] Risk hedge of Korona-ka! Are you thinkingHow to secure funds for your current life and old age

More than 60% were worried about the assets of Korona-ka!

Minato Asset Management Co., Ltd. Minato Asset Management Co., Ltd. (Headquarters location: Minato-ku, Tokyo, Representative Director: Hirokazu Mukai) conducted a survey on "leaseback" for people living in Tokyo (owner's house). .. Are you worried about your property due to Korona-ka? Japanese assets have a high weight of cash and deposits, and when considering old age, many people may think that they do not decrease rather than increase in investment and asset management. Therefore, there are many households that can inherit only "owned houses" ... ". I think that the number of people who are worried about inheritance to children and how to manage their retirement funds has increased due to the Korona-ka. Is there a way to secure funds in an inheritable home? Therefore, this time, Minato Asset Management Co., Ltd. (https://www.minato-am.com/), which operates "My Home Only Protected Night" (https://myhome-dkw.jp), lives in Tokyo (https://www.minato-am.com/). We conducted a survey on "leaseback" for those who own a house. First, when asked "Do you know your asset composition?", You can see that "I know (63.3%)" and more than 60% know their own asset composition. I did. So what is the breakdown of that asset structure? When asked, "What is the largest percentage of your asset composition?", The most common answer was "cash / deposit (52.1%)," followed by "real estate (28.8%)" and "stocks / stocks." This was followed by investment trusts / bonds (11.2%) and insurance / pensions (7.9%). As mentioned at the beginning, it was found that more than half of the respondents had the highest percentage of "cash / deposits". In Europe and the United States, it is said that the ratio of "stocks / investment trusts / bonds" and "insurance / pensions" is high, so by comparison, Japanese people have a high weight of "cash / deposits" and are conservative in asset management. It seems like. In addition, many respondents answered "real estate," and there may be people who plan to pass on their homes to their children and grandchildren in the future. It is important to save money steadily, but it is difficult to increase it, and it is difficult to operate it without knowledge, so you may feel anxious about the funds for old age. So what kind of anxiety do you feel about these assets now that Korona-ka? First, when asked, "Are you worried about your assets due to Korona-ka?", More than 60% said, "I'm pretty worried (22.4%)" and "I'm a little worried (39.6%)." It turned out that I was worried about my assets because of the Korona-ka. What would you do if you suddenly needed a lot of money in an unforeseen situation like Korona-ka? You may be impatient with limited deposits and real estate, so you should think about monetizing your assets now, just in case. So what do many people actually feel uneasy about? ■ Assets due to Korona-ka ... What are you worried about?・ "Because I don't know what will happen to my job due to unexpected things like Korona-ka" (50s / male / office worker) ・ "I'm worried about the real estate value after Corona" (50s) / Female / Housewife) ・ "My husband's income cannot be restored. What will happen if the sixth wave comes?" (50s / Female / Housewife) ・ "Unexpected market in the Korona-ka economy The value of stocks and bonds will decline due to the turmoil, and the planned unemployment income will not be able to enter due to the decline in dividends. " It seems that they are worried that it will go down. So what kind of risk hedging is being done in response to the Korona-ka? ■ What is the risk hedging of assets that started after the Korona-ka?・ "Divided into multiple deposits, domestic stocks, overseas stocks (NISA), insurance, etc." (30s / male / manager / executive) ・ "Further real estate investment" (50s / male / manager / executive) "Investment trusts / stock investment" (50s / male / part-time job) / "Advancement and asset management of mothers living together" (50s / male / full-time owner) Those who have started various investments and asset management I found that there are many. There are many people who are diversified considering risks, and now that we do not yet know what the market will be like, we may have to do more risk hedging. Do you know "reverse mortgages"? Reverse mortgage is a service that allows you to continue to live by borrowing living funds from financial institutions, etc. with your home as collateral. You can borrow money by making use of the asset value without letting go of your own house, and there is no monthly principal repayment during your lifetime, and when the loan contractor dies, the lender (bank) sells the owned house as collateral and repays it. It will be. Due to this mechanism, it is a service for seniors (* age restrictions apply). So what is the awareness of this reverse mortgage service? When asked, "Do you know reverse mortgages?", It turned out that less than 30% of those who knew reverse mortgages said, "I know (28.6%)." Since it is a loan for seniors, many people say that it is not familiar yet, so it may not be well known. What are the benefits of such a reverse mortgage? When I asked the person who answered "I know" in the previous question, "Please tell me what you feel is the merit of reverse mortgage (multiple answers allowed)", "You can raise funds without selling your home." (70.8%) ”was the most common answer, followed by“ No need to repay the principal while the person is alive (32.7%) ”,“ Can be borrowed even at a relatively old age (32.0%) ”, and“ Parents ”. It leads to the solution of the nursing care cost and the vacant house problem (19.1%) ”. I think it is great for the elderly and their families to be able to raise the necessary funds while securing a living environment without selling their precious home for the rest of their lives. On the other hand, what are the disadvantages? When asked, "Please tell me what you feel is the disadvantage of reverse mortgages (multiple answers allowed)", the most likely answer is "the consent of all estimated heirs (children, etc.) is required (34.7%)". Many, followed by "low mortgage valuation and low borrowable amount (34.0%)" "in most cases, condominiums are often excluded (28.9%)" "use of funds may be limited" There is (28.6%) ”. Most financial institutions require the consent of all presumed heirs (those who may be heirs). Therefore, from the perspective of the heirs, it may be quite difficult to obtain the consent of all the heirs, as there will be no real estate inherited as a heritage. There is a “leaseback” service similar to reverse mortgages. In the previous survey, the result was that only a little less than 30% of people know about reverse mortgages, but what about leasebacks? When I asked "Do you know the leaseback?", It turned out that "I know (25.2%)", which is less than the reverse mortgage. One of the big differences between leasebacks and reverse mortgages is the “sale of the house”. Whereas reverse mortgages get money by borrowing money with the house as collateral, leasebacks get the money from the sale of the house. Leaseback is a method of selling real estate that can be used continuously as it is after selling your home, store, company building, etc., and concludes a rental contract at the same time as the sale. Even if the seller sells his / her home, he / she can pay the rent for the duration of the contract and continue to live or use it as before. In addition, leasebacks are mostly bought by real estate companies, so if you need cash urgently, you can cash it faster than you would normally sell it to your end user. ✔︎ I want to sell my house and cash it quickly ✔︎ I have a hard time living because of loan repayment ✔︎ I want to sell my house but I don't want people to know ✔︎ I want to live here until my child graduates from school ✔︎ Another for a limited time to relocate It is troublesome to live in a place, so if you want to live in your current house even if you sell it, you can continue to live even if you sell your house, and a leaseback that can be cashed immediately may be perfect. So what are the benefits of a leaseback? When I asked the person who answered "I know" in the previous question, "Please tell me what you feel is the merit of leaseback (multiple answers allowed)", "You can live in the same house as it is after the sale. Most respondents answered "I can do it (69.5%)", followed by "I can buy back the house I sold in the future (34.0%)" and "I don't have to pay property tax, large-scale repair costs, or fire insurance (34.0%)". 24.3%) ”and“ Real estate can be cashed in a short period of time (23.2%) ”. After all, it seems that the biggest merit is that you can live in the same house as it is after the sale. In addition, it is possible to buy back in the future by attaching a "special contract" at the time of sale. If you want to buy it back in the future because you own a house that you have a strong attachment to, you should sell it with a special contract. Furthermore, after the sale, it will be treated as "rental", so you will not have to pay property tax or fire insurance. If you only have a property to inherit to your child and want to take measures for inheritance before you live, or if you want to raise funds while you are still energetic to fund the move-in of the elderly home, consider leasing back as a financial measure for Corona. How is it? In this survey, we found out the asset composition of people living in Tokyo and the advantages and disadvantages of leaseback and reverse mortgages. It seems that "cash / deposits" and "real estate" account for a large proportion of the asset composition of Japanese people, but it can be seen that many people are worried about their assets due to the Korona-ka. Therefore, you should think about future design and risk hedging. It seems that the recognition is still low, but there is also a method called leaseback that allows you to raise funds while living in your own house and can immediately cash it. If you want to get the money to sell and continue to live in your current home, you may want to consider a leaseback. Minato Asset Management Co., Ltd., which conducted this survey, is conducting asset management "My Home Only Protected Night" (https://myhome-dkw.jp/) utilizing "leaseback". It can be used for business properties such as in-house buildings, offices, workshops, factories, warehouses, dormitories, etc., as well as residences such as houses with stores. With a leaseback, you don't need to move. Leaseback allows you to maintain your life there for a certain period of time by changing the way you interact with your home real estate, and "My Home Only Protected Night" is a method of selling your home real estate that meets such needs. ■ Seven benefits of leaseback ■ Three reasons why Minato Asset Management is chosen by many customers ① Safe and secure transactions Develop unique routes centered on listed companies, excellent real estate companies, and real estate investment corporations. As a buyer with social credibility, you can trade with confidence. (2) Purchase price that is close to your request We will present a reasonable purchase price after considering the customer's wishes and tax aspects after the sale. ③ Peace of mind when signing a contract! We will negotiate the rent and rental period including the payment amount so that you can live in your own home for a long time after the sale. We also support the setting of repurchase conditions in the future if you wish. If you are interested in leaseback, please feel free to contact us. ■ [Operating company] Minato Asset Management Co., Ltd .: https://www.minato-am.com/ ■ Only my home is protected Night (leaseback): https://myhome-dkw.jp/ ■ Inquiries: 0120 -072-182 (Weekday 10 am-7pm) Survey outline: Survey on "leaseback" [Survey date] October 6, 2021 (Wednesday) [Survey method] Internet survey [Survey number] 1,027 [Survey] Target] Those who live in Tokyo (owner's house) [Monitor provider] General Research

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