{"id":26367,"date":"2023-02-28T11:51:37","date_gmt":"2023-02-28T02:51:37","guid":{"rendered":"https:\/\/t23m-navi.jp\/magazine\/?p=26367"},"modified":"2023-04-11T16:14:07","modified_gmt":"2023-04-11T07:14:07","slug":"housingloan-howtochoose","status":"publish","type":"post","link":"https:\/\/t23m-navi.jp\/magazine\/housingloan\/housingloan-howtochoose\/","title":{"rendered":"\u4f4f\u5b85\u30ed\u30fc\u30f3\u306f\u56fa\u5b9a\u91d1\u5229\u3068\u5909\u52d5\u91d1\u5229\u306e\u3069\u3063\u3061\u304c\u3044\u3044\uff1f\u9078\u3073\u65b9\u3092\u89e3\u8aac"},"content":{"rendered":"\n<p>\u4f4f\u5b85\u30ed\u30fc\u30f3\u3092\u7d44\u3093\u3067\u30de\u30a4\u30db\u30fc\u30e0\u3092\u8cfc\u5165\u3059\u308b\u3068\u304d\u3001\u56fa\u5b9a\u91d1\u5229\u3068\u5909\u52d5\u91d1\u5229\u306e\u3069\u3061\u3089\u3092\u9078\u3076\u3079\u304d\u304b\u60a9\u3080\u65b9\u306f\u5c11\u306a\u304f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<p>\u56fa\u5b9a\u91d1\u5229\u3068\u5909\u52d5\u91d1\u5229\u3092\u9078\u3076\u969b\u306f\u3001<strong><span 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src=\"https:\/\/t23m-navi.jp\/magazine\/wp-content\/uploads\/2023\/04\/\u4f4f\u5b85\u30ed\u30fc\u30f3\u901f\u5831\u30c6\u30f3\u30d7\u30ec8\u6708-1-300x169.jpg\" alt=\"\" class=\"c-postThumb__img u-obf-cover\" width=\"320\" height=\"180\"><\/figure><\/div>\t\t\t\t\t<div class=\"p-blogCard__body\">\n\t\t\t\t\t\t<a class=\"p-blogCard__title\" href=\"https:\/\/t23m-navi.jp\/magazine\/housingloan\/housingloan-2304\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u30102023\u5e744\u6708\u3011\u4f4f\u5b85\u30ed\u30fc\u30f3\u91d1\u5229\u306f\u56fa\u5b9a\u91d1\u5229\u304c\u5168\u4f53\u7684\u306b\u5f15\u304d\u4e0b\u3052\uff01\u5909\u52d5\u91d1\u5229\u306f\u7af6\u4e89\u6fc0\u5316<\/a>\n\t\t\t\t\t\t<span 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wp-block-list\">\n<li>\u5909\u52d5\u91d1\u5229\uff1a73.9%<\/li>\n\n\n\n<li>\u56fa\u5b9a\u671f\u9593\u9078\u629e\u578b\uff1a17.3%<\/li>\n\n\n\n<li>\u5168\u671f\u9593\u56fa\u5b9a\u578b\uff1a8.9%<br><span class=\"swl-fz u-fz-xs\">\u203b\u51fa\u5178\uff1a\u72ec\u7acb\u884c\u653f\u6cd5\u4eba\u4f4f\u5b85\u91d1\u878d\u652f\u63f4\u6a5f\u69cb\u300c<a href=\"https:\/\/www.jhf.go.jp\/files\/400361299.pdf\">\u4f4f\u5b85\u30ed\u30fc\u30f3\u5229\u7528\u8005\u8abf\u67fb\uff082022\u5e744\u6708\u8abf\u67fb\uff09<\/a>\u300d<\/span><\/li>\n<\/ul>\n\n\n\n<p>\u8abf\u67fb\u306b\u3088\u308b\u3068\u3001\u5909\u52d5\u91d1\u5229\u3092\u9078\u3093\u3060\u4eba\u304c73.9%\u3067\u3042\u308b\u306e\u306b\u5bfe\u3057\u3001\u56fa\u5b9a\u671f\u9593\u9078\u629e\u578b\u3092\u9078\u3093\u3060\u4eba\u306f17.3%\u3001\u5168\u671f\u9593\u56fa\u5b9a\u578b\u306f8.9%\u3067\u3057\u305f\u3002<\/p>\n\n\n\n<p>\u3088\u3063\u3066\u3001<strong><span class=\"swl-marker mark_yellow\">\u4f4f\u5b85\u30ed\u30fc\u30f3\u3092\u7d44\u3093\u3067\u30de\u30a4\u30db\u30fc\u30e0\u3092\u8cfc\u5165\u3057\u305f\u4eba\u306e\u307b\u3068\u3093\u3069\u304c\u3001\u5909\u52d5\u91d1\u5229\u3092\u9078\u3093\u3067\u3044\u308b<\/span><\/strong>\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u56fa\u5b9a\u91d1\u5229\u3068\u5909\u52d5\u91d1\u5229\u306e\u7279\u5fb4\u3084\u30e1\u30ea\u30c3\u30c8\u30fb\u30c7\u30e1\u30ea\u30c3\u30c8<\/strong><\/h2>\n\n\n\n<p>\u56fa\u5b9a\u91d1\u5229\u3068\u5909\u52d5\u91d1\u5229\u306b\u306f\u3001\u305d\u308c\u305e\u308c\u7279\u5fb4\u3084\u30e1\u30ea\u30c3\u30c8\u30c7\u30e1\u30ea\u30c3\u30c8\u304c\u3042\u308a\u307e\u3059\u3002<br>\u3053\u3053\u304b\u3089\u306f\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u3092\u7d44\u3080\u969b\u306b\u77e5\u3063\u3066\u304a\u304d\u305f\u3044\u3001\u5404\u91d1\u5229\u30bf\u30a4\u30d7\u306e\u7279\u5fb4\u3084\u30e1\u30ea\u30c3\u30c8\u3001\u30c7\u30e1\u30ea\u30c3\u30c8\u3092\u307f\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<h3 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has-swl-deep-02-color\">\u501f\u5165\u6642\u306e\u91d1\u5229\u304c\u4f4e\u3044<\/span><\/strong>\u3067\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u5b8c\u6e08\u307e\u3067\u306b\u91d1\u5229\u4e0a\u6607\u304c\u8d77\u304d\u306a\u304b\u3063\u305f\u5834\u5408\u3084\u4e0a\u6607\u5e45\u304c\u308f\u305a\u304b\u3060\u3063\u305f\u5834\u5408\u3001\u8fd4\u6e08\u7dcf\u984d\u306f\u56fa\u5b9a\u91d1\u5229\u3088\u308a\u3082\u5c11\u306a\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u5909\u52d5\u91d1\u5229\u3067\u501f\u308a\u5165\u308c\u3092\u3057\u305f\u3042\u3068\u306b\u5e02\u5834\u91d1\u5229\u304c\u6025\u4e0a\u6607\u3057\u305f\u3068\u3057\u3066\u3082\u3001\u8fd4\u6e08\u8ca0\u62c5\u304c\u6025\u6fc0\u306b\u5897\u3048\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u91d1\u878d\u6a5f\u95a2\u306e\u591a\u304f\u306f\u5909\u52d5\u91d1\u5229\u306b\u4ee5\u4e0b\u306e\u30eb\u30fc\u30eb\u3092\u9069\u7528\u3057\u3066\u3044\u308b\u305f\u3081\u3067\u3059\u3002<\/p>\n\n\n\n<ul class=\"is-style-check_list has-swl-main-thin-background-color has-background wp-block-list\">\n<li><strong>5\u5e74\u30eb\u30fc\u30eb<\/strong>\uff1a\u6bce\u6708\u306e\u8fd4\u6e08\u984d\u306f5\u5e74\u306b1\u5ea6\u3057\u304b\u898b\u76f4\u3055\u308c\u306a\u3044\u3068\u3044\u3046\u30eb\u30fc\u30eb<\/li>\n\n\n\n<li><strong>125%\u30eb\u30fc\u30eb<\/strong>\uff081.25\u500d\u30eb\u30fc\u30eb\uff09\uff1a\u898b\u76f4\u3057\u5f8c\u306e\u8fd4\u6e08\u984d\u306f\u898b\u76f4\u3057\u524d\u306e\u6700\u59271.25\u500d\u307e\u3067\u3068\u3059\u308b\u30eb\u30fc\u30eb<br><span class=\"swl-fz u-fz-xs\">\u203b\u91d1\u878d\u6a5f\u95a2\u306b\u3088\u3063\u3066\u306f\u5909\u52d5\u91d1\u5229\u306b5\u5e74\u30eb\u30fc\u30eb\u3084125%\u30eb\u30fc\u30eb\u3092\u8a2d\u3051\u3066\u3044\u306a\u3044\u3053\u3068\u304c\u3042\u308a\u307e\u3059<\/span><\/li>\n<\/ul>\n\n\n\n<p>\u305f\u3060\u3057\u3001\u8fd4\u6e08\u9014\u4e2d\u3067<span class=\"swl-inline-color has-swl-deep-01-color\"><strong>\u91d1\u5229\u304c\u4e0a\u6607\u3057\u3066\u6bce\u6708\u306e\u8fd4\u6e08\u984d\u3084\u8fd4\u6e08\u7dcf\u984d\u304c\u5897\u52a0\u3059\u308b\u3068\u3001\u5bb6\u8a08\u3092\u5727\u8feb\u3057\u3066\u751f\u6d3b\u304c\u82e6\u3057\u304f\u306a\u3063\u3066\u3057\u307e\u3046<\/strong><\/span>\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<p>\u307e\u305f\u3001\u501f\u5165\u6642\u306b\u8fd4\u6e08\u7dcf\u984d\u304c\u78ba\u5b9a\u3057\u306a\u3044\u305f\u3081\u3001\u9014\u4e2d\u3067\u8fd4\u6e08\u8a08\u753b\u306b\u72c2\u3044\u304c\u751f\u3058\u3066\u30de\u30a4\u30db\u30fc\u30e0\u8cfc\u5165\u5f8c\u306e\u30e9\u30a4\u30d5\u30d7\u30e9\u30f3\u306b\u652f\u969c\u304c\u51fa\u308b\u6050\u308c\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u56fa\u5b9a\u671f\u9593\u9078\u629e\u578b\u306e\u7279\u5fb4\u3084\u30e1\u30ea\u30c3\u30c8\u30fb\u30c7\u30e1\u30ea\u30c3\u30c8<\/strong><\/h3>\n\n\n\n<p>\u56fa\u5b9a\u671f\u9593\u9078\u629e\u578b\u306f\u3001\u8fd4\u6e08\u958b\u59cb\u304b\u3089\u4e00\u5b9a\u671f\u9593\u306e\u91d1\u5229\u3092\u7279\u7d04\u3067\u56fa\u5b9a\u3059\u308b\u91d1\u5229\u30bf\u30a4\u30d7\u3067\u3059\u3002<br>\u56fa\u5b9a\u671f\u9593\u306f\u3001\u4e00\u822c\u7684\u306b3\u5e74\u30845\u5e74\u300110\u5e74\u300120\u5e74\u306a\u3069\u304b\u3089\u9078\u3079\u307e\u3059\u3002<\/p>\n\n\n\n<p><strong><span class=\"swl-inline-color has-swl-deep-02-color\">\u56fa\u5b9a\u671f\u9593\u304c\u7d42\u4e86\u3057\u305f\u3042\u3068\u306f\u5909\u52d5\u91d1\u5229\u306b\u79fb\u884c\u3057\u307e\u3059\u304c\u3001\u518d\u3073\u4e00\u5b9a\u671f\u9593\u306e\u91d1\u5229\u3092\u56fa\u5b9a\u3059\u308b\u3053\u3068\u3082\u53ef\u80fd\u3067\u3059\u3002<\/span><\/strong><\/p>\n\n\n\n<p>\u56fa\u5b9a\u671f\u9593\u9078\u629e\u578b\u306e\u4e3b\u306a\u30e1\u30ea\u30c3\u30c8\u3068\u30c7\u30e1\u30ea\u30c3\u30c8\u306f\u3001\u4ee5\u4e0b\u306e\u901a\u308a\u3067\u3059\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table sp_block_\"><table><tbody><tr><td data-has-cell-bg=\"1\" data-text-color=\"white\"><span class=\"swl-cell-bg has-swl-main-background-color\" data-text-color=\"white\" aria-hidden=\"true\">&nbsp;<\/span><strong>\u56fa\u5b9a\u671f\u9593\u9078\u629e\u578b\u306e\u4e3b\u306a\u30e1\u30ea\u30c3\u30c8<\/strong>\u3000\u3000\u3000\u3000\u3000\u3000\u3000\u3000\u3000\u3000\u3000\u3000\u3000<\/td><td data-has-cell-bg=\"1\" data-text-color=\"white\"><span class=\"swl-cell-bg has-swl-main-background-color\" data-text-color=\"white\" aria-hidden=\"true\">&nbsp;<\/span><strong>\u56fa\u5b9a\u671f\u9593\u9078\u629e\u578b\u306e\u4e3b\u306a\u30c7\u30e1\u30ea\u30c3\u30c8<\/strong><\/td><\/tr><tr><td>\u30fb\u91d1\u5229\u306e\u56fa\u5b9a\u671f\u9593\u4e2d\u306f\u6bce\u6708\u306e\u8fd4\u6e08\u984d\u304c\u5909\u308f\u3089\u306a\u3044<br>\u30fb\u501f\u308a\u5165\u308c\u304b\u3089\u4e00\u5b9a\u671f\u9593\u306f\u7740\u5b9f\u306b\u5143\u91d1\u3092\u6e1b\u3089\u3057\u3084\u3059\u3044<\/td><td>\u30fb\u91d1\u5229\u306e\u56fa\u5b9a\u671f\u9593\u7d42\u4e86\u5f8c\u306e\u5909\u52d5\u91d1\u5229\u306b\u306f5\u5e74\u30eb\u30fc\u30eb\u3084125%\u30eb\u30fc\u30eb\u304c\u9069\u7528\u3055\u308c\u306a\u3044<br>\u30fb\u501f\u5165\u6642\u306b\u8fd4\u6e08\u7dcf\u984d\u304c\u78ba\u5b9a\u3057\u306a\u3044<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u56fa\u5b9a\u671f\u9593\u9078\u629e\u578b\u306f\u3001\u91d1\u5229\u306e\u56fa\u5b9a\u671f\u9593\u4e2d\u306b\u6bce\u6708\u306e\u8fd4\u6e08\u984d\u304c\u5897\u3048\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<p>\u307e\u305f\u3001\u501f\u5165\u5f53\u521d\u306e\u91d1\u5229\u306f\u5168\u671f\u9593\u56fa\u5b9a\u91d1\u5229\u3088\u308a\u3082\u4f4e\u3044\u50be\u5411\u306b\u3042\u308a\u307e\u3059\u3002\u4f4e\u91d1\u5229\u3067\u306e\u501f\u308a\u5165\u308c\u304c\u3067\u304d\u308c\u3070\u3001<strong><span class=\"swl-inline-color has-swl-deep-02-color\">\u501f\u308a\u5165\u308c\u304b\u3089\u4e00\u5b9a\u671f\u9593\u306f\u7740\u5b9f\u306b\u5143\u91d1\u3092\u6e1b\u3089\u3057\u3066\u3044\u3051\u308b<\/span><\/strong>\u3067\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<p>\u4e00\u65b9\u3067\u3001<span class=\"swl-inline-color has-swl-deep-01-color\"><strong>\u56fa\u5b9a\u671f\u9593\u304c\u7d42\u4e86\u3057\u305f\u3042\u3068\u306e\u5909\u52d5\u91d1\u5229\u306b\u306f\u3001\u57fa\u672c\u7684\u306b5\u5e74\u30eb\u30fc\u30eb\u3084125%\u30eb\u30fc\u30eb\u304c\u9069\u7528\u3055\u308c\u307e\u305b\u3093<\/strong>\u3002<\/span>\u305d\u306e\u305f\u3081\u3001\u901a\u5e38\u306e\u5909\u52d5\u91d1\u5229\u3088\u308a\u3082\u3001\u5e02\u5834\u306e\u91d1\u5229\u304c\u4e0a\u6607\u3057\u305f\u3068\u304d\u306b\u6bce\u6708\u306e\u8fd4\u6e08\u984d\u304c\u5897\u3048\u3084\u3059\u3044\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u52a0\u3048\u3066\u3001\u56fa\u5b9a\u671f\u9593\u7d42\u4e86\u5f8c\u306e\u9078\u629e\u306b\u3088\u3063\u3066\u6bce\u6708\u306e\u8fd4\u6e08\u984d\u304c\u5909\u308f\u308b\u305f\u3081\u3001\u501f\u5165\u6642\u306b\u8fd4\u6e08\u7dcf\u984d\u304c\u78ba\u5b9a\u3057\u307e\u305b\u3093\u3002\u5168\u671f\u9593\u56fa\u5b9a\u91d1\u5229\u3068\u306f\u7570\u306a\u308a\u3001\u5b8c\u6e08\u307e\u3067\u306e\u8a08\u753b\u306f\u7acb\u3066\u306b\u304f\u3044\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u5168\u671f\u9593\u56fa\u5b9a\u91d1\u5229\u306e\u7279\u5fb4\u3084\u30e1\u30ea\u30c3\u30c8\u30fb\u30c7\u30e1\u30ea\u30c3\u30c8<\/strong><\/h3>\n\n\n\n<p>\u5168\u671f\u9593\u56fa\u5b9a\u91d1\u5229\u306f\u3001\u5b8c\u6e08\u307e\u3067\u91d1\u5229\u304c\u5909\u308f\u3089\u306a\u3044\u91d1\u5229\u30bf\u30a4\u30d7\u3067\u3059\u3002\u6c11\u9593\u306e\u91d1\u878d\u6a5f\u95a2\u3068\u4f4f\u5b85\u91d1\u878d\u652f\u63f4\u6a5f\u69cb\u304c\u9023\u643a\u3057\u3066\u63d0\u4f9b\u3057\u3066\u3044\u308b\u300c<strong>\u30d5\u30e9\u30c3\u30c835<\/strong>\u300d\u304c\u4ee3\u8868\u7684\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u5168\u671f\u9593\u56fa\u5b9a\u91d1\u5229\u306b\u306f\u3001\u4ee5\u4e0b\u306e\u3088\u3046\u306a\u30e1\u30ea\u30c3\u30c8\u3068\u30c7\u30e1\u30ea\u30c3\u30c8\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table sp_block_\"><table><tbody><tr><td data-has-cell-bg=\"1\" data-text-color=\"white\"><span class=\"swl-cell-bg has-swl-main-background-color\" data-text-color=\"white\" aria-hidden=\"true\">&nbsp;<\/span><strong>\u5168\u671f\u9593\u56fa\u5b9a\u91d1\u5229\u306e\u4e3b\u306a\u30e1\u30ea\u30c3\u30c8<\/strong><\/td><td data-has-cell-bg=\"1\" data-text-color=\"white\"><span class=\"swl-cell-bg has-swl-main-background-color\" data-text-color=\"white\" aria-hidden=\"true\">&nbsp;<\/span><strong>\u5168\u671f\u9593\u56fa\u5b9a\u91d1\u5229\u306e\u4e3b\u306a\u30c7\u30e1\u30ea\u30c3\u30c8<\/strong><\/td><\/tr><tr><td>\u30fb\u9014\u4e2d\u3067\u8fd4\u6e08\u984d\u304c\u5897\u3048\u308b\u5fc3\u914d\u304c\u306a\u3044<br>\u30fb\u501f\u5165\u6642\u306b\u6bce\u6708\u306e\u8fd4\u6e08\u984d\u3084\u8fd4\u6e08\u7dcf\u984d\u304c\u78ba\u5b9a\u3059\u308b<\/td><td>\u30fb\u4ed6\u306e\u91d1\u5229\u30bf\u30a4\u30d7\u3068\u6bd4\u8f03\u3057\u3066\u501f\u5165\u6642\u306e\u91d1\u5229\u304c\u3082\u3063\u3068\u3082\u9ad8\u3044<br>\u30fb\u501f\u5165\u5f8c\u306b\u5e02\u5834\u306e\u91d1\u5229\u304c\u4e0b\u304c\u3063\u3066\u3082\u8fd4\u6e08\u984d\u306f\u5909\u308f\u3089\u306a\u3044<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u5168\u671f\u9593\u56fa\u5b9a\u91d1\u5229\u306f\u3001\u501f\u5165\u6642\u306e\u91d1\u5229\u304c\u5b8c\u6e08\u307e\u3067\u7d9a\u304d\u307e\u3059\u3002<span class=\"swl-inline-color has-swl-deep-02-color\"><strong>\u8fd4\u6e08\u9014\u4e2d\u3067\u5e02\u5834\u306e\u91d1\u5229\u304c\u4e0a\u6607\u3057\u305f\u3068\u3057\u3066\u3082\u3001\u6bce\u6708\u306e\u8fd4\u6e08\u984d\u306f\u5909\u308f\u308a\u307e\u305b\u3093<\/strong>\u3002<\/span><\/p>\n\n\n\n<p>\u501f\u5165\u6642\u306b\u6bce\u6708\u306e\u8fd4\u6e08\u984d\u3084\u8fd4\u6e08\u7dcf\u984d\u304c\u78ba\u5b9a\u3059\u308b\u305f\u3081\u3001\u4eca\u5f8c\u306e\u8a08\u753b\u304c\u7acb\u3066\u3084\u3059\u304f\u5bb6\u8a08\u306e\u7ba1\u7406\u3082\u3057\u3084\u3059\u3044\u3068\u3044\u3048\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<p>\u305f\u3060\u3057\u3001\u5909\u52d5\u91d1\u5229\u3084\u56fa\u5b9a\u671f\u9593\u9078\u629e\u578b\u3068\u6bd4\u8f03\u3057\u3066<strong><span class=\"swl-inline-color has-swl-deep-01-color\">\u501f\u5165\u6642\u306e\u91d1\u5229\u304c\u9ad8\u3044<\/span><\/strong>\u50be\u5411\u306b\u3042\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u5b8c\u6e08\u307e\u3067\u306b\u5e02\u5834\u306e\u91d1\u5229\u304c\u4e0b\u304c\u3063\u305f\u3068\u3057\u3066\u3082\u3001\u6bce\u6708\u306e\u8fd4\u6e08\u984d\u304c\u6e1b\u308b\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<h2 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