住宅「ペアローン」利用増加 調査
✍️記事要約
夫婦や事実婚といった2人が「ペアローン」と呼ばれる連帯して借り入れる住宅ローンを利用しマイホームを買うケースが増えている。都市部での新築分譲マンション価格の高騰に加え、共働き家庭の浸透が背景にある。世帯主1人で借りる場合と比べ借入総額を増やしやすく、若い世代にとって魅力的といえる。ただ借りすぎて返済に窮しかねない。どちらかが休業する事態にも備えておく必要がありそうだ。
リクルートの調査によると、2023年の首都圏の新築分譲マンション契約者に占める「世帯主と配偶者のペアローン」の割合は33.9％に上った。調査を始めた18年以降で最も多かった。「単独契約」は65.0％だった。ペアローンの増加傾向は東海圏や関西圏も同じだ。
首都圏の契約者全体の購入価格と借入総額の平均は6033万円、5235万円だった。それぞれ22年と比べ143万円、272万円増えた。ファイナンシャルプランナーの竹下さくらさんは「正社員で働く女性が増え、対等な関係で物件を所有したいという人もいる」と指摘する。
■英訳
Here is the English translation of the provided text:
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The number of couples, including married and common-law couples, using "pair loans" to jointly borrow a home loan to purchase their own home is increasing. This trend is driven by the soaring prices of newly built condominiums in urban areas and the increasing prevalence of dual-income households. Compared to borrowing by a single household head, it is easier to increase the total loan amount, making it attractive for younger generations. However, there is a risk of over-borrowing and struggling with repayments. It is also necessary to be prepared for situations where one partner may have to take a leave of absence.
According to a survey by Recruit, the percentage of new condominium buyers in the Tokyo metropolitan area who took out "pair loans" with their spouses in 2023 was 33.9%. This was the highest since the survey began in 2018. The percentage of "single contracts" was 65.0%. The trend of increasing pair loans is the same in the Tokai and Kansai regions.
The average purchase price and total loan amount for all buyers in the Tokyo metropolitan area were 60.33 million yen and 52.35 million yen, respectively. These figures increased by 1.43 million yen and 2.72 million yen, respectively, compared to 2022. Financial planner Sakura Takeshita points out that "the number of women working as full-time employees has increased, and there are those who want to own property on equal terms."
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