- 上田千鶴
- 3月2日
- 読了時間: 2分
3,000万円と300円…同じお金なのに…
こんにちは
お金学アドバイザー
FPうえだちづるです^ ^
日々の中で
見て聞いて感じた事
FP目線で
配信しています
本日のお題
【住宅ローン】
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ワタクシ
異常なまでに
駐車場代にセコイʅ（◞‿◟）ʃ
30分で○○円かを
とにかくとにかく
キョロキョロキョロキョロ
そして
その日のスケジュールに合わせて
駐車時間と
その時間に対して
得られる利益から
駐車場を決めている
市内中心部なら
百貨店に止めて
商品券を二千円分購入して
２時間無料にする作戦
高速道路も同様
時間と得られる利益を考え
国道走行か高速道路利用かを
決める
さて
前置きがいつも長くなる(汗)
もう何年もの間
住宅ローンの金利は
低迷している
その上
団体信用生命保険
(団信)
は
疾病の数がドンドン上がっている
※団信とは
『住宅ローンの返済中に万が一の
事があった場合
保険会社より
残りの住宅ローンが弁済される制度』
十数年前は
団信すら無かった
それが
死亡したらローンが無くなる
ものから
三代疾病になったら…
と言うものが現れ
次に
七代
とうとう
今は
11代疾病まで登場している
当然
その分の
保険料はお高くなっている
何故か
人の心理は
三代より七代
七代より11代
の方が
お得感を感じてしまう
しかし
小さく小さく書かれた
条件が
要注意です！
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三代疾病なら
・ガンは
《診断確定》
・脳卒中、心筋梗塞
《手術や60日の労働制限など》
この条件なら
あり得る！
さてさて
ここからが注意点
糖尿病、慢性心不全、皮膚がん
などの８疾病
これらは
180日の入院が条件になります
考えてください
高血圧で
半年入院って
あり得ますか？
今のご時世
そもそも入院日数は
ドンドン短くなっている
つまりは
入院をさせてくれない訳です
なのに
団信に11疾病を付ける
意味が分からない
人は何故か…
大きい買い物になると
気持ちが大きくなりがち⁈
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10コ入りの卵が
千円だったら…
卵売り場で
相当
悩みませんか？
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ワタシだったら
このコーナーに
確実に
数十分は、頭を抱えて悩みますね(笑)
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この二本で300円でも
考える(ﾟ∀ﾟ)
なのになのに
いざ
マイホームとか車とか
大きな単位のお買い物になると
気持ちも大きくなるのが
人の心理なのだろう
ズバリ！
団信の数字が大きいのが
果たしてお得か？
よーく
考えて決めて欲しいと
思うので御座います
ではまた(*´◒`*)
22回の閲覧