敷金・礼金とは?有りと無しの物件はどう違う?

部屋などを借りる場合、最初の初期費用として、敷金、礼金を支払うことがあります。
家賃の何カ月分かを敷金や礼金として支払うため、結構な負担になることがある一方、物件によってはこれらが全く必要ないところも存在します。

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敷金と礼金の意味合い

敷金は家賃の担保の意味合いで最初にいくらかを預けておくというのがあります。
つまり、家賃の不払いなどがあった場合に敷金で補てんをする形です。
また、部屋を出る際、部屋のクリーニング代などを部屋に住んでいた住人に請求することになりますが、この時にも敷金が使われます。
家賃の担保であり、クリーニング代の補てんなど様々な要素に敷金は使われます。

次に礼金ですが、これは大家さんに支払う感謝の気持ちのようなものであり、部屋を貸してくれてありがとうございますという意味合いが込められています。
慣習として昔から存在し、こんな息子ですがよろしくお願いしますという気持ちを親御さんが出すときなどにもこうした礼金を支払うということが行われてきました。

これら2つのものは一緒くたにされることが多いですが、敷金は今でも必要なものとして存在し、礼金は慣習となっていて、本来はお礼・厚意で渡すべきものを最初から計上していてなくてもいいものという認識が段々と物件探しをする人の中では広まっているのが実情です。

近年増加する敷金礼金なしの物件

敷金と礼金だけで家賃の数カ月分を支払わなくてはならず、家賃5万円の物件であれば、それだけで20万円程度支払うことを余儀なくされ、引っ越しすらままならなくなることがあります。

そのため、こうした物件ではなく、これらの初期費用がかからないような物件を探し、そこに住むケースが増えています。

敷金礼金なしのメリットとして、初期費用が軽減されるため、入居率が高くなるという意味合いがあります。
すぐに入居しやすいというのも借主側としてはメリットであると言えます。

こうした物件は地域差があることが指摘されています。
東京23区の中でもこのようなところが多いエリアもあれば、ほとんどないようなところもあるなど、地域性が如実に出ます。
特に下町のあたりではこうしたところが多く、街として栄えているところは少ないというのが現状です。

単に住むことだけを考えた場合にはいい面は多いですが、そういう設定をせざるを得ないということを考える場合に、貸主側の事情などを考え、自分にとって不利な契約にはならないかというのを察知することも大事です。

敷金礼金なし物件のデメリット

デメリットとして考えられるのは、何かとこちらが支払うことが多いというものです。

物件情報のところに備考欄がありますが、そこにはびっしりと様々なことが書かれています。
よく見てみると、初期費用こそないものの、部屋を退出する際のクリーニング代が相場よりも高い、鍵の交換にそこそこの費用がかかるなど、様々なところで自己負担が発生するようになっています。
敷金はないため、部屋を出る際に費用を用意しなければならず、結局部屋を出る際に結構な負担が生じることになります。

次に違約金の問題です。
初期費用が発生しないということは、それだけ気軽に部屋を借りようという人も出てきます。
そうした人をけん制するために、違約金というものを設定し、一定期間に満たない契約で終わりにしよう、短期入居だけという人に対するペナルティがあります。
何があるかわからないため、何らかの都合で部屋を出なくてはならない場合、余計な費用を支払うことになります。

結局のところ、こうしたお金を先に払うか、後に払うかの違いだけというのがわかります。

契約時に把握しておきたい部分

保証金を家賃の1カ月分支払う必要があるなど、結局はどこかで初期費用がかかるようになっていますが、これらのことを契約時に把握しておくだけで、こんなはずではなかったと後悔することを防ぐことができます。

まず見ておきたいのは、備考欄の部分です。
びっしりと書かれているような物件はそれだけ多くのエクスキューズがあるということであり、場合によってはその部分に結構なことが書かれていることもあります。
まずは何が書かれているのかを読み込み、他のところと見比べる必要があります。

また、設備の自己負担部分がどうなっているかというものです。
良心的なところであれば、鍵の交換も大家さんが出してくれるなど、大家さんによって様々です。
費用負担をしてくれないところは、住人に対しても冷たい部分があるため、長い付き合いはしにくいと言えます。
また、事あるごとに自己負担を求められ、結果として高くつくことや、そもそもこうした部屋の家賃は高くなる傾向があるため、相場を確認することも契約の段階では求められていくことになります。

最後に

結局のところ、部屋にかかる費用がどれくらいかかるのかというのは、敷金礼金のありなしに関係なく、実は同じくらいであり、初期費用をかけたくない代わり、じわじわそれを回収されていくのが敷金などがないところの特徴と言えます。

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