フラット35は在籍確認なしでも審査に通る?
ずっと固定金利で安心のフラット35の住宅ローンを利用している人も多いことでしょう。直接金融機関が融資しているわけでないフラット35は審査が甘いことでも知られていますが、審査が甘いなら在籍確認なしにできないかと考えるのではないでしょうか。
確かに銀行直接融資の住宅ローンでなく単なる仲介であるため、フラット35の在籍確認を省略する可能性もないとは言えません。しかし返済能力を確認するためには在籍確認は避けられないと考えるべきでしょう。
記事の目次
住宅ローン「フラット35」の特徴
住宅ローンとして人気の高いフラット35は保証人を必要としません。
住宅金融支援機構が不動産の第一抵当権者とすることで、年収が比較的低い400万円以下の人でも返済負担率の条件をクリアすれば住宅ローンの審査に通ることで人気が高いです。
しかも金利は全期間固定金利でフラット35の直近の金利は年1.34%と低金利です。
返済方法についても親子リレー返済が利用できることや、住宅ローンの保証料が0円、また返済途中の繰り上げ返済や返済方法の変更を行う場合でも一切手数料はかかりません。
もちろん保証人が不要でも新機構団信、並びに三大疾病機構団信に加入することで万が一のことがあっても住宅ローンの返済に困ることはありません。
安定した資金計画を立てたい、金利上昇リスクの不安を払拭したいという人にとってはまさにうってつけの住宅ローンと言えるでしょう。
そしてフラット35の最大の特徴は、銀行などの金融機関で手続きができるだけでなく、銀行が直接融資するのではなく、住宅金融支援機構の仲介窓口になることから審査がかなり柔軟であることです。
借入申し込みから審査まで2週間程度で結果がわかるため、不動産会社との契約や建築業者との契約もスムーズに進み、銀行直接融資型の住宅ローンよりもあらゆる面で時間短縮することが可能です。
フラット35は在籍確認なしでも審査に通る?
信用情報に問題がなく継続安定した収入があれば、それほど年収が多くなくても審査に通りやすいフラット35ですが、審査に通りやすいからと言って在籍確認なしで審査終了とはなりません。
確かに銀行としても資金の出所が住宅金融支援機構であることから、貸し倒れリスクがなく手数料を稼ぎやすい商品でもあるわけです。
しかし銀行直接の住宅ローンでなくても、多額の金額の仲介斡旋する銀行として審査の段階で勤務先在籍確認をしなければなりません。
在籍確認が終わらないと審査が終わりませんし、一定期間内に在籍確認が終了しないと審査に落ちることさえあります。
そこで気になるのが住宅ローンの在籍確認とはどのような内容になるのかということですね。
勤務先の都合で、個人情報に関する質問については答えられないなどの社内規定があった場合はどうすればいいのかなどのお悩みについて順を追ってご説明していきたいと思います。
住宅ローンの在籍確認とは
クレジットカードやカードローンの在籍確認について、ある程度イメージを持つことができてもフラット35などの住宅ローンの在籍確認って、どういうことをするの?と思う人も多いことでしょう。
たとえ銀行直接融資ではなく住宅金融支援機構の斡旋仲介だとしても、住宅ローンの金額はカードローンに比べて桁が違いますね。
それに返済期間がフラット35は35年間に渡って長期に返済していかなければならないため、窓口となった銀行は信用情報に基づいて信用力や返済能力を審査します。
結局のところ在籍確認はカードローンと住宅ローンとには差がなく、お金の融資に関して行われる審査の一環で行われる作業なのです。
信用情報では確かに信用力や他社借入状況について調べることはできても、フラット35に申し込んだ段階で信用情報に登録されている勤務先や勤続年数について再度調査しなければ、正確に審査の合否を決めることができません。
信用情報に登録されている勤務先情報については、言ってみれば過去の情報であって現在の情報ではありません。
フラット35を契約してみたら実は無職だったでは済まされませんよね。というわけで在籍確認は、これから長期間にわたって返済していくだけの返済能力があるかどうか確認するために勤務先へ直接電話するのです。
在籍確認は本審査で実施される
フラット35を含めた住宅ローンの審査は、通常仮審査と本審査の二つがあります。仮審査は基本的に信用情報を中心に審査を行い、信用情報に特別問題になるような点がなければ本審査へ移ります。
本審査では書類審査と在籍確認が行われ、在籍確認は本審査のなかでも最後に行われると考えてよいでしょう。
つまり仮審査に落ちてしまえば本審査はありませんので在籍確認は行われないということですね。
逆に考えれば在籍確認があるということは、仮審査に通り後は在籍確認さえできれば審査に通るとも言えます。
ですから在籍確認はイヤだな、と思うことなく在籍確認されるということはほぼ審査に通ったと喜んでいいのではないでしょうか。
フラット35に申し込むとおよそ2週間で審査結果が通知されますので、在籍確認はフラット35に申し込んでから1週間から2週間の間で行われる考えておきましょう。
在籍確認で確認される内容とは
在籍確認で確認される内容は至ってシンプルです。
フラット35の契約に必要な本人確認書類を含めた収入証明書類は既に提出済みですので、前項でご説明した「勤務の実態」を確認するだけです。
在籍確認によって年収がいくらあるのか、勤続年数は何年なのかについては既に源泉徴収票や健康保険証のコピーを提出しているため質問されることはありません。
その書類を提出しているならどこに勤務しているのかわかるのではないか、と思うかもしれませんが源泉徴収票は昨年度の書類であって、今現在の書類ではありません。
健康保険証についてもコピーを取ってから退職したのではないかと疑えばきりがありませんね。
フラット35に申し込んだ本人に間違いないかどうか問いただせば良いような気もしますが、必ずしも本当のことを答えてくれるとも限りませんね。
それくらいなら直接勤務先へ電話したほうが早いというわけです。
在籍確認は個人名でかかってくる
フラット35の在籍確認は受付窓口した銀行の審査担当者からかかってきます。
その場合でも銀行名を名乗ることなく個人名でかけてくるのが普通です。なぜならフラット35の契約だとしても、契約の事実については個人情報に触れる部分があり他人に教えてしまうわけにはいかないからです。
まず銀行の審査担当者が個人名で電話をかけてきて、フラット35人も申し込んだ申込者に電話をつないでほしいことを伝えます。
本人に電話がつながったら初めてそこで金融機関名を名乗り、在籍確認の電話であることを明らかにします。
ですから勤務先で電話を受け取った人が、個人的な電話なんだな、と感じるはずですし、フラット35に申し込んだ在籍確認であると気づくことはまずありません。
在籍確認で質問される内容
フラット35に申し込んだ本人に電話がつながったら、聞かれる内容は本人であることの確認のための名前と、生年月日、住所などです。
確かにその電話内容を誰かに聞かれたら、なぜ個人情報を話ししているのかと思うかもしれませんが、住宅ローンの審査において普通にあることですから同僚に何の電話?と質問されたら、「住宅ローンの審査だよ」と言っても恥ずかしいことではありませんね。
本人が不在でも在籍確認は完了する
たまたま申込者本人が外出中だったという場合に在籍確認がかかってきても、勤務先で電話を受けた人が「今ちょっと外出してるんですけど」と答えてくれればそれで在籍確認は終了です。
すでに源泉徴収票や健康保険証のコピーは提出しているわけですから、そこでしつこくいつになったら会社に戻ってくるのか、どうしても本人と話がしたいとまではなりません。
在籍確認で失敗するのは「その人は思う会社を退職しましたけど」と言われてしまう場合です。すでに会社を退職しているということは安定継続した収入を得ることはできませんね。
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