00:00 intro 00:15 Today's topic: 5 advantages and disadvantages of a pair loan for married couples02:38 What is a pair loan?04:50 5 advantages of a pair loan05:09 └① You can increase the amount you borrow06:11 └② Loan conditions can be set flexibly07:15 └③ Both spouses can apply for group life insurance08:16 └④ You can use the mortgage deduction for both people09:35 └⑤ You can use the 30 million yen tax exemption on sales profits for both people10:45 5 disadvantages of a pair loan11:08 └① You are responsible for repaying your spouse's debts as well12:08 └② There are two types of expenses12:50 └③ If one person dies, the surviving person's debts remain13:58 └④ In the event of divorce, it can become very troublesome15:41 └⑤ It is necessary to consider the risks of leaving a job (restructuring, childbirth, injury, illness, etc.) 16:55 Bonus: After all, what are the conditions for making effective use of a pair loan? 23:10 Summary: The important thing is whether you can handle big risks yourself! 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