住宅ローンについて(元多重債務の経緯あり) 現在45歳。

質問と回答
  • 住宅ローンについて(元多重債務の経緯あり) 現在45歳。家内と子供3人(高校生・中学生・小学生)おります。 結婚前より借金があり何とかやってきましたが、子供の成長を見ているうちに持ち家の重要性を意識し始めました。 借金と平行して行なってきた貯蓄を全て切り崩し返済にあて、700万円の借金を全て返済しました。(銀行系500万・信販系200万) 以前の消費者金融の借り入れを銀行系に移しましたが、消費者金融自体がその銀行系の保障会社となっている関係もあり過払い金返還要求を一切しませんでしたが完済したこともあり、司法書士の先生に入ってもらい過払い金請求にて150万円ほど帰ってきました。(消費者金融4社から) 今後、自宅を購入するに当たり以前の経緯から見える障害(多重債務などや現在の年齢)はどのくらいあるのでしょうか? また、ざっくり出いいのですが現段階で3000万円ぐらいの物件は購入できる可能性はありますでしょうか?ちなみに頭金は150万円です。 お詳しい方いらっしゃいましたらよろしくお願いします。
  • 45歳で頭金が150万円は少なすぎますね。1000万円あれば、何とかなりそうですが、150では銀行もいろいろ勘ぐるので融資は相当厳しいと推測されます。しかしアベノミクスで世の中浮かれはじめていますので可能性はあると思います。

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