{"id":2062,"date":"2020-05-11T19:31:17","date_gmt":"2020-05-11T10:31:17","guid":{"rendered":"https:\/\/fpbank.co.jp\/?post_type=column&amp;p=2062"},"modified":"2020-05-11T19:31:17","modified_gmt":"2020-05-11T10:31:17","slug":"mortgage-deduction-trap","status":"publish","type":"post","link":"https:\/\/fpbank.co.jp\/column\/mortgage-deduction-trap","title":{"rendered":"\u3082\u3046\u30c0\u30de\u3055\u308c\u306a\u3044\uff01\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u3068\u304a\u5f97\u306e\u5f71\u306b\u6f5c\u3080\u7f60"},"content":{"rendered":"\n<p>\u4eca\u8cb7\u3046\u306a\u3089\u65b0\u7bc9\u30de\u30f3\u30b7\u30e7\u30f3\u304c\u65ad\u7136\u304a\u5f97\uff01\u300d\u3068\u8a00\u308f\u308c\u305f\u304c\u679c\u305f\u3057\u3066\u672c\u5f53\u3060\u308d\u3046\u304b\u3002\u4eba\u751f\u3067\u6700\u3082\u5927\u304d\u306a\u8cb7\u3044\u7269\u3068\u3044\u308f\u308c\u308b\u3060\u3051\u306b\u3001\u5931\u6557\u306f\u3057\u305f\u304f\u306a\u3044\u3002\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u306e\u4ed5\u7d44\u307f\u3068\u306f\uff1f\u672c\u5f53\u306b\u304a\u5f97\u306a\u4f4f\u5b85\u306e\u9078\u3073\u65b9\u3068\u306f\uff1f\uff1f<\/p>\n<div id=\"toc_container\" class=\"no_bullets\"><p class=\"toc_title\">\u76ee\u6b21<\/p><ul class=\"toc_list\"><li><a href=\"#i\">\uff11\uff0e\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u306f\u672c\u5f53\u306b\u304a\u5f97\u304b<\/a><ul><li><a href=\"#i-2\">\u2460\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u306e\u4ed5\u7d44\u307f\u30fb\u9006\u30b6\u30e4\u7406\u8ad6<\/a><\/li><li><a href=\"#i-3\">\u2461\u65b0\u7bc9\u30de\u30f3\u30b7\u30e7\u30f3\u8cfc\u5165\u306e\u5834\u5408<\/a><\/li><li><a href=\"#i-4\">\u2462\u4e2d\u53e4\u30de\u30f3\u30b7\u30e7\u30f3\u8cfc\u5165\u306e\u5834\u5408<\/a><\/li><\/ul><\/li><li><a href=\"#i-5\">\uff12\uff0e\u5bb6\u3092\u8cb7\u3046\u3068\u3044\u3046\u3053\u3068<\/a><\/li><\/ul><\/div>\n<h2><span id=\"i\">\uff11\uff0e\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u306f\u672c\u5f53\u306b\u304a\u5f97\u304b<\/span><\/h2>\n<p>\u4f4f\u5b85\u8cfc\u5165\u306e\u969b\u3001\u4e00\u822c\u7684\u306b\u306f\u4f4f\u5b85\u30ed\u30fc\u30f3\u3092\u4f7f\u3063\u3066\u4f4f\u5b85\u3092\u8cfc\u5165\u3057\u307e\u3059\u3002 \u305d\u306e\u969b\u3001\u300c\u4eca\u306f\u91d1\u5229\u304c\u4f4e\u3044\u306e\u3067\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u3092\u7d44\u3080\u3068\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u3067\u304a\u91d1\u304c\u5897\u3048\u3066\u623b\u3063\u3066\u304f\u308b\u3093\u3067\u3059\u3088\u300d\u3068\u8a00\u308f\u308c\u305f\u3053\u3068\u3042\u308a\u307e\u305b\u3093\u304b\uff1f<br \/>\u306a\u304b\u306a\u304b\u5206\u304b\u308a\u306b\u304f\u3044\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u4ed5\u7d44\u307f\u3002\u307e\u305a\u306f\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u304b\u3089\u3054\u8aac\u660e\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3><span id=\"i-2\">\u2460\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u306e\u4ed5\u7d44\u307f\u30fb\u9006\u30b6\u30e4\u7406\u8ad6<\/span><\/h3>\n<p>\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u3068\u306f\u3001\u4f4f\u5b85\u8cfc\u5165\u306e\u969b\u3001\u7533\u8acb\u3059\u308b\u3053\u3068\u306b\u3088\u3063\u3066\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u501f\u5165\u6b8b\u9ad8\u306e1%\u304c10\u5e74\u9593\u3001\u623b\u3063\u3066\u304f\u308b\u5236\u5ea6\u3067\u3059\u3002<br \/>\u305d\u306e\u305f\u3081\u501f\u5165\u91d1\u5229\u304c1%\u3088\u308a\u4f4e\u3051\u308c\u3070\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u5229\u606f\u3088\u308a\u7533\u8acb\u306b\u3088\u3063\u3066\u623b\u3063\u3066\u304f\u308b\u91d1\u984d\u306e\u65b9\u304c\u591a\u304f\u306a\u308b\u306e\u3067\u3001\u304a\u91d1\u3092\u501f\u308a\u3066\u3044\u308b\u306e\u306b\u3082\u95a2\u308f\u3089\u305a\u5132\u304b\u3063\u3066\u3057\u307e\u3046\u3001\u3068\u3044\u3046\u308f\u3051\u3067\u3059\u3002<\/p>\n<p>\u307e\u305f\u3001\u30de\u30f3\u30b7\u30e7\u30f3\u306e\u500b\u4eba\u9593\u58f2\u8cb7\u306e\u69d8\u306b\u3001\u58f2\u308a\u624b\u304c\u30d7\u30ed\u3067\u306f\u306a\u3044\u5834\u5408\u306e\u58f2\u8cb7\u306e\u5834\u5408\u306f\u3001\u6d88\u8cbb\u7a0e\u304c\u304b\u304b\u308a\u307e\u305b\u3093\u3002\u6d88\u8cbb\u7a0e\u304c\u304b\u304b\u3089\u306a\u3044\u5206\u3001\u30d7\u30ed\u304b\u3089\u8cb7\u3046\u3088\u308a\u3082\u5b89\u304f\u8cb7\u3048\u308b\u305f\u3081\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u306e\u5bfe\u8c61\u3068\u306a\u308b\u30ed\u30fc\u30f3\u6b8b\u50b5\u306e\u4e0a\u9650\u306f2,000\u4e07\u5186\u3067\u3059\u3002<br \/>\u3064\u307e\u308a\u30012,000\u4e07\u5186\u306e1%\uff1d20\u4e07\u5186\u271510\u5e74\u9593\uff1d200\u4e07\u5186\u304c\u63a7\u9664\u3055\u308c\u3066\u623b\u3063\u3066\u304d\u307e\u3059\u3002<\/p>\n<p>\u305d\u308c\u306b\u5bfe\u3057\u3001\u65b0\u7bc9\u30de\u30f3\u30b7\u30e7\u30f3\u306e\u3088\u3046\u306b\u4e0d\u52d5\u7523\u696d\u8005\uff08\u30d7\u30ed\uff09\u304c\u76f4\u63a5\u8ca9\u58f2\u3057\u3066\u3044\u308b\u7269\u4ef6\u306f\u3001\u6d88\u8cbb\u7a0e\u304c\u304b\u304b\u308a\u307e\u3059\u3002 \u6d88\u8cbb\u7a0e\u306e\u304b\u304b\u308b\u7269\u4ef6\u306f\u304b\u304b\u3089\u306a\u3044\u7269\u4ef6\u306b\u6bd4\u3079\u3066\u8cfc\u5165\u91d1\u984d\u304c\u9ad8\u304f\u306a\u308a\u307e\u3059\u304b\u3089\u3001\u305d\u306e\u5206\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u306e\u5bfe\u8c61\u3068\u306a\u308b\u30ed\u30fc\u30f3\u6b8b\u50b5\u306e\u4e0a\u9650\u984d\u3082\u30014,000\u4e07\u5186\u3068\u9ad8\u984d\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002<br \/>\u3064\u307e\u308a\u30014,000\u4e07\u5186\u306e1%\uff1d40\u4e07\u5186\u271510\u5e74\u9593\uff1d400\u4e07\u5186\u304c\u63a7\u9664\u3055\u308c\u3066\u623b\u3063\u3066\u304d\u307e\u3059\u3002<br \/>\u3000\u3000\u3000<br \/>\u3067\u3059\u306e\u3067\u3001 \u4f4f\u5b85\u30ed\u30fc\u30f3\u3092\u7d44\u3080\u3068\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u306e\u5206\u3001\u304a\u91d1\u304c\u5897\u3048\u3066\u623b\u3063\u3066\u304f\u308b\u3068\u306f\u3042\u308b\u610f\u5473\u3067\u306f\u9593\u9055\u3063\u3066\u3044\u307e\u305b\u3093\u3002\u307e\u305f\u3001\u3069\u3046\u305b\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u3092\u4f7f\u3046\u306a\u3089\u4e2d\u53e4\u7269\u4ef6\u3088\u308a\u3082\u65b0\u7bc9\u7269\u4ef6\u306e\u8cfc\u5165\u6642\u306b\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u3092\u4f7f\u3046\u65b9\u304c\u3001\u30aa\u30c8\u30af\u306b\u7269\u4ef6\u3092\u8cfc\u5165\u3067\u304d\u308b\u3068\u3082\u8a00\u308f\u308c\u3066\u3044\u307e\u3059\u3002<br \/>\u3057\u304b\u3057\u3001\u672c\u5f53\u306b\u305d\u3093\u306a\u306b\u304a\u5f97\u306a\u306e\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n<h3><span id=\"i-3\">\u2461\u65b0\u7bc9\u30de\u30f3\u30b7\u30e7\u30f3\u8cfc\u5165\u306e\u5834\u5408<\/span><\/h3>\n<p>\u65b0\u7bc9\u30de\u30f3\u30b7\u30e7\u30f3\u306e\u5834\u5408\u3067\u8003\u3048\u3066\u307f\u307e\u3057\u3087\u3046\u3002<br \/>5,000\u4e07\u5186\u306e\u7269\u4ef6\u3092\u3001\u30d5\u30eb\u30ed\u30fc\u30f3\uff08\u501f\u5165\u91d1\u984d5,000\u4e07\u5186\uff09\u3067\u8cfc\u5165\u3057\u305f\u5834\u5408\u3092\u8003\u3048\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u7269\u4ef6\u4fa1\u683c\uff1a5,000\u4e07\u5186<br \/>\u6d88\u8cbb\u7a0e\uff1a200\u4e07\u5186\uff08\u5efa\u72692,000\u4e07\u5186\uff09<br \/>\u767b\u8a18\u8cbb\u7528\uff1a30\u4e07\u5186<br \/>\u30ed\u30fc\u30f3\u8cbb\u7528 \uff1a100\u4e07\u5186<br \/>\u4ef2\u4ecb\u624b\u6570\u6599 \uff1a0\u4e07\u5186<br \/>\u30ed\u30fc\u30f3\u5229\u606f\uff1a50\u4e07\u5186\uff080.5%35\u5e74\uff09<br \/>\u30fc\u30fc\u30fc\u30fc\u30fc\u30fc\u30fc\u30fc\u30fc\u30fc\u30fc\u30fc\u30fc<br \/>\u5c0f\u8a08\uff1a5,780\u4e07\u5186<br \/>\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\uff1a\u25b3400\u4e07\u5186<br \/>\u30fc\u30fc\u30fc\u30fc\u30fc\u30fc\u30fc\u30fc\u30fc\u30fc\u30fc\u30fc\u30fc<br \/>\u5408\u8a08\uff1a5,380\u4e07\u5186<\/p>\n<p>\u3053\u306e\u3088\u3046\u306b\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u3092\u8e0f\u307e\u3048\u308b\u3068\u3001\u7dcf\u984d5,780\u4e07\u5186\u306e\u7269\u4ef6\u30925,380\u4e07\u5186\u3067\u8cfc\u5165\u3067\u304d\u305f\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u78ba\u304b\u306b\u4e00\u898b\u3001\u30aa\u30c8\u30af\u306b\u8cb7\u3044\u7269\u304c\u51fa\u6765\u305f\u3088\u3046\u306b\u898b\u3048\u307e\u3059\u3002<br \/>\u305f\u3060\u3057\u3001\u4e0d\u52d5\u7523\u306e\u4fa1\u5024\u306b\u3064\u3044\u3066\u898b\u3066\u307f\u308b\u3068\u3001\u65b0\u7bc9\u30de\u30f3\u30b7\u30e7\u30f3\u306b\uff12\u5272\uff5e\uff13\u5272\u7a0b\u5ea6\u306e\u5229\u76ca\u304c\u4e57\u3063\u3066\u3044\u308b\u305f\u3081\u3001\u4eee\u306b\u5229\u76ca\u3092\uff13\u5272\u3068\u3059\u308b\u3068\u4e0d\u52d5\u7523\u306e\u8cc7\u7523\u4fa1\u5024\u3068\u3057\u3066\u306f\u30015,000\u4e07\u5186\u304b\u30895,000\u4e07\u5186\u306e3\u5272\uff1d1,500\u4e07\u5186\u3092\u5f15\u3044\u305f\u6b8b\u308a\u30013,500\u4e07\u5186\u306e\u4fa1\u5024\u3057\u304b\u6b8b\u3063\u3066\u3044\u306a\u3044\u4e8b\u306b\u306a\u308a\u307e\u3059\u3002\u305d\u308c\u306b\u5bfe\u3057\u3066\u4f4f\u5b85\u30ed\u30fc\u30f3\u306f5,450\u4e07\u5186\u6b8b\u3063\u3066\u3044\u308b\u3002<br \/>\u3064\u307e\u308a\u3001\u8cb7\u3063\u305f\u77ac\u9593\u304b\u3089\u50b5\u52d9\u8d85\u904e\u306e\u72b6\u614b\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<h3><span id=\"i-4\">\u2462\u4e2d\u53e4\u30de\u30f3\u30b7\u30e7\u30f3\u8cfc\u5165\u306e\u5834\u5408<\/span><\/h3>\n<p>\u4e2d\u53e4\u30de\u30f3\u30b7\u30e7\u30f3\u306e\u5834\u5408\u3092\u8003\u3048\u3066\u307f\u307e\u3057\u3087\u3046\u3002<br \/>\u4e2d\u53e4\u30de\u30f3\u30b7\u30e7\u30f3\u306e\u500b\u4eba\u9593\u58f2\u8cb7\u306e\u3088\u3046\u306b\u3001\u696d\u8005\u304b\u3089\u306e\u8cfc\u5165\u3067\u306a\u3044\u5834\u5408\u3001\u6d88\u8cbb\u7a0e\u306f\u304b\u304b\u308a\u307e\u305b\u3093\u3002\u305d\u306e\u305f\u3081\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u306e\u4e0a\u9650\u984d\u306f2,000\u4e07\u5186\u306b\u306a\u308a\u307e\u3059\u3002<br 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