わたしの住宅ローン管理

TakeKApp

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About this app

"My Mortgage Management" is an app designed for those who have already taken out a mortgage, allowing them to easily check their outstanding balance and perform analyses such as future interest rate simulations.

While checking bank websites requires logging in and visiting multiple sites, this app makes it easy to view and organize your outstanding balance, repayment status, and calculations.

Beyond simply calculating and displaying repayment amounts, it allows you to compare the burden of rising interest rates, the differences between fixed and variable rates, and the effects of early repayment, providing you with information to help you make future decisions.

This app is ideal for those who want to have a readily accessible record of their repayment decisions.

■ Main Functions and Features
・Basic Mortgage Simulation
Enter loan amount, interest rate, repayment period, down payment, bonus payments, etc., to check monthly repayment amounts, total payment amount, total interest, and expected repayment completion date.

・Interest Rate Increase Scenario Comparison
Compare multiple future conditions for variable interest rates. It clearly shows the peak repayment amount when interest rates rise and the difference in future interest payments.

* **Comparison of Fixed and Variable Interest Rates:** You can compare fixed-rate options with variable-rate rate increases side-by-side. This can also be used to estimate how much interest rate increases would make a fixed rate more advantageous.

* **Comparison of Repayment Conditions:** You can compare easily confusing conditions such as down payment, repayment period, repayment method, and whether or not bonus payments are included on the comparison screen.

* **Analysis of Existing Loans:** You can understand the current status of your existing loans based on the current balance, applicable interest rate, repayment amount, interest rate change history, and early repayment history.

* **Organizing Information for Early Repayment and Refinancing Considerations:** We provide information on the effect of early repayment on reducing future interest, the differences between repayment amount reduction and term reduction types, and an entry point for refinancing comparisons.

* **Save and Review Later:** Created calculations and existing loans can be saved on your device, allowing you to review conditions and compare multiple options later without repeatedly opening bank websites.



* **Analysis of Current Loans:** ■ Recommended for those who:
・Want to easily track the outstanding balance and repayment status of their existing mortgage.
・Want to see how much a rise in variable interest rates will affect their household finances.
・Want to do preliminary research to consider early repayment or refinancing.
・Want to compare the differences between fixed and variable rates, down payments, and repayment periods.
・Want to organize their own conditions and outstanding balance without repeatedly checking bank websites.

■ How to Use
1. Enter your loan conditions to create a basic repayment simulation.
2. Check the monthly repayment amount, total payment amount, and total interest amount on the results screen.
3. Open interest rate increase scenarios, fixed vs. variable rates, down payment comparisons, repayment period comparisons, etc., as needed.
4. If you have loans currently being repaid, register the outstanding balance and interest rate history to check your current status.

※ Notes
・The calculation results of this app are for reference only and do not guarantee the official screening results or repayment conditions of financial institutions.
・Actual interest rates, fees, taxes, insurance, and other expenses will vary depending on the contract details and time.
・Saved data is mainly stored on your device. Uninstalling an app may delete data on your device.

What’s new

わたしの住宅ローン管理、アプデリリースです！
ミックスローンを追加し、ローンのグループ化も可能にしました。
ローン登録可能件数を3件→5件に増加しました。
住宅ローンの残債や返済予定表が簡単に確認できたり、将来を試算できます。
またコミュニティ機能の整理を行ないより使いやすくなりました。
住宅ローンを返済中の方、ぜひ使って感想いただけると嬉しいです！