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節約するならマンションを買え?シングルマザーの賢い生き方

母子

日本におけるシングル・マザーの総数は、2010年度の時点で108 万人強です。(総務省統計局調べ)理由は、離婚が約80%、未婚が12%、死別が7%程度という内訳です。離婚理由が8割と大半ですが、総数自体は2005年から微増(107万人→108万人)という状況のなか、「未婚のシングル・マザー」の数がこの5年強で急増している(8.9万人→13.2万人)、という特徴も見られます。

半世紀近く、少子化が進んできた日本ですが、実は合計特殊出生率は、2005 年の1.26 人を最低値に、2010 年には1.39 人となり、僅かながら回復傾向になっています。この回復には「未婚のシングル・マザーの急増も、間違いなく影響している」という専門家の指摘もあるようです。

一方、離婚の件数は僅かながら減少していることから、数字で見る限り、ここ数年は、「子供がいて離婚する女性」の数は少し減り、「未婚でも産む女性」は増えている……ということになります。フィギュアスケートの安藤美姫選手が、2013年4月に出産をして“未婚の母”になっていたという衝撃告白をしたことは記憶に新しいですよね。

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節約するならマンションを買え?

ガッツ

シングルマザーの3割が実家で暮らしているという報告があります。7割の方の殆どが賃貸で生活していると思われますが、シングルマザーだからこそ、持ち家のほうがお得という考えもあります。そのメリットとデメリットを見てみましょう。

株式会社プリンセススクゥエアー http://www.single-mother.jp/?wh=ovtでは、シングルマザーの年収244万円でも中古マンションが買える!と宣伝しています。シングルマザーが中古マンションを買うメリットとして、

子供に資産を残せる:賃貸と違って子供に資産として引き継げます。また住宅ローン金利には、生命保険料が含まれています。母親にもしもがあっても住宅ローンは保険で支払われます。(これは大きいメリットかもしれません。) 

賃貸より毎月の支払いが少なくなる:マンションを購入した場合、月々の支払額は、同じ条件のマンションを賃貸した場合の賃料よりも安くなる事が多いそうです。住宅ローンの審査に自信がない場合でも、シングルマザーの方の勤務状況の評価が高くローンが通りやすかったという事例もあるそうです。

万が一の資産になる:都営住宅、賃貸をご検討中の方も多くいらっしゃるかと思いますが、マンション購入の場合なら月々の支払いは将来自分の資産として残すことができます。もしまとまったお金を賃貸の契約や更新料に支払うならば、その分のお金をマンション購入の頭金にして購入したほうが将来的に支払う総額がお得になります。万が一の場合は売却すれば、お金を作る事もできます。

反対にデメリットをあげてみましょう。

万が一の生活保護が受けられない:ローンの残っているマンションに住んでいる場合、そのマンションを売却しないと生活保護は受けられない決まりになっています。ローン完済済みの物件では売却しなくても住み続けられます。

メンテナンスは自分持ち:中古物件は、定期的にメンテナンスが必要になります。数百万は考えて置いた方が良いでしょう。福祉事務所で相談すれば、低金利の貸し付けもありますが、いずれにしても自分で払わなければなりません。

引っ越ししにくい:DVで離婚した場合、仕事先が急に変わった場合でも、所有マンションの場合は引っ越しがしにくくなります。購入したマンションを人に貸して賃料を取る事はできますが、自分がローンを払いながら、別の所に住む場合は、注意が必要です。もしマンションを借りてる人が急に引っ越した時は、ローン+現在の住居費用とダブルで支払わなくてはならなくなります。

シェアハウスという選択肢

今徐々に増えているシェアハウス。独身の若者が賃貸の中心でしたが、シングルマザーとその子どもたちが集まって暮らしているシェアハウスもあります。子育てと仕事の両立を応援する、「ペアレンティングホーム」です。 2012年3月に神奈川県川崎市の高津に設立され、2013年10月に同じく川崎市の二子新地に2軒目がオープンしています。

「ペアレンティングホーム」は、シングルマザーを対象とした日本初のシェアハウスです。高津には8部屋があり、現在は15名が共同生活をしています。一家族ごとに個室があり、キッチンやダイニング、お風呂は共用です。

普通のシェアハウスや公営住宅と異なる点は、まず、「シングルマザー」という同じ境遇の母子が集まり、悩みを共有しながら一緒に生活していることです。そして週に2回、17時から21時までの4時間、専門の研修を受けたシッターによる「チャイルドケア」が行われること。玄米菜食による食事がふるまわれ、見守り保育や育児相談などのサービスが提供されます。

「ペアレンティングホーム」の家賃はチャイルドケアや共益費を含め、10万円前後です。通常の賃貸マンションに比べると安いかもしれませんが、働いていなければ毎月支払うことは難しい金額です。そこにも「働く母親をサポートする」という「ペアレンティングホーム」のブレない理念があります。「ペアレンティングホーム」は、国や自治体の支援に頼らず、自分が働いたお金で自立した生活を送るシングルマザーの子育てと仕事の両立を応援しているのです。

今後横浜をはじめどんどんホームを増やす方針だそうです。似た様なシェアハウスは今後増えるのではないでしょうか。

まとめ

シングルマザーは平均年収が200万円代できわめて貧困家庭が多いと言われています。しかしシングルマザーだからこその、国の優遇措置や低金利の貸し付け制度もあります。マンションを購入したり、同じシングルマザーとシェアハウスする生き方は、シングルマザーだけでなく、その子供にとっても悪い生き方ではないようです。

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