Ryan Ginstrom のメッセージ:

> The problem with fixed rates in Japan is that they are very expensive. The
> rate they wanted for a 20-year fixed-rate home loan was higher than Japan's
> variable rate has been in 30 years. And that's through the real-estate
> bubble.

That "Good Loan" place ("A SoftBank Company") 2.34% for a fixed rate
is not a bad deal. Not that I'd want a 35 year loan.

>>I should have bought a house in Japan two years ago,
> > when rates were maybe 1.7%, and there were good homes on the market for
> > amazingly low prices.
>
> Does that mean you've bought one now?

No, it means beginning in two weeks I will spend almost all my savings
for my family to move back to Hawaii and live off of for a minimum of
two and a half years while getting a new degree and license because I
won't be able to work, and I'll never be able to afford a half million
dollar house ($450,000 about the minimum even for shoddy houses older
than I am) at any interest rate. Just two years ago, even $150,000
(about what remodeling recently cost my mother) could have bought me a
house with mature fruit trees and flowers on about a third of an acre a
few minutes of downtown in a coastal historical "city" of 100,000 with
a state university and an international airport with direct service to
Japan, and single units promoted as $450 a month rentals for students
could be had for $17,000 (not a typo) and there were entire pages of
online acreage listings with grass and mature trees on public roadways
for about $40,000 that could be had also within about ten minutes of
town.

Don't bother trying to look for any now.