To mortgage or not to mortgage

Hi all

Having a mini dilemma here

Work pay 60 percent of my housing, which is a brand new 3LDK and suits us down to the the ground

I could buy a gaff for 3000千円 or 3500千円 but I’d lose the work support.

So I’m thinking just save, maybe invest and keep taking the 60 percent for a long time yet

Factoring in OT and not counting housing I’m on 11-12m a year.

The low cost of mortgage finance is appealing to ‘free up’ funds but with a monthly rent or 42000 yen it’s hard to justify any freeing up funds

Wondering what the sub thinks

Early 30s, two toddlers (might be a factor)

by djkichan

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