{"id":6464,"date":"2021-11-18T16:33:35","date_gmt":"2021-11-18T07:33:35","guid":{"rendered":"https:\/\/fpbank.co.jp\/column\/?p=6464"},"modified":"2022-05-27T14:55:10","modified_gmt":"2022-05-27T05:55:10","slug":"jutaku-reverse-mortgage-condominium","status":"publish","type":"post","link":"https:\/\/fpbank.co.jp\/column\/jutaku-reverse-mortgage-condominium","title":{"rendered":"\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u3082\u4f7f\u3048\u308b\uff01\u5229\u7528\u3067\u304d\u308b\u30de\u30f3\u30b7\u30e7\u30f3\u3068\u8cc7\u91d1\u4f7f\u9014\u306e\u30d2\u30f3\u30c8"},"content":{"rendered":"<p>\u300c\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u3082\u4f7f\u3048\u308b\u306e\u304b\uff1f\u300d<br \/>\n\u300c\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u306f\u4f7f\u3048\u306a\u3044\u3068\u805e\u3044\u305f\u3051\u3069\u672c\u5f53\u306a\u306e\u304b\uff1f\u300d<\/p>\n<p>\u3044\u307e\u3053\u308c\u3092\u8aad\u3093\u3067\u3044\u308b\u65b9\u306f\u3001\u4e0a\u8a18\u306e\u3088\u3046\u306a\u7591\u554f\u3084\u61f8\u5ff5\u3092\u6301\u3061\u3001\u8272\u3005\u8abf\u3079\u308b\u4e2d\u3067\u672c\u8a18\u4e8b\u306b\u8fbf\u308a\u7740\u3044\u305f\u306e\u3067\u306f\u306a\u3044\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n<p>\u5148\u306b\u7d50\u8ad6\u3092\u304a\u4f1d\u3048\u3059\u308b\u3068\u3001\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u3082\u4f7f\u3048\u307e\u3059\u3002<br \/>\n\u305f\u3060\u3057\u5229\u7528\u306b\u3042\u305f\u3063\u3066\u306e\u6761\u4ef6\u304c\u3001<span style=\"font-size: 16px; color: #333333;\">\u6238\u5efa\u3066\u306b\u6bd4\u3079\u308b\u3068<\/span>\u53b3\u3057\u3044\u3053\u3068\u306f\u5426\u5b9a\u3067\u304d\u307e\u305b\u3093\u3002\u305d\u308c\u3067\u3082\u300c\u5168\u304f\u4f7f\u3048\u306a\u3044\u300d\u3068\u300c\u6761\u4ef6\u306f\u53b3\u3057\u3044\u304c\u4f7f\u3048\u308b\u300d\u306f\u5927\u304d\u304f\u9055\u3044\u307e\u3059\u3002<\/p>\n<p>\u306a\u305c\u306a\u3089\u3001\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u300c\u5bb6\u306f\u3042\u308b\u3051\u3069\u624b\u5143\u306b\u304a\u91d1\u304c\u306a\u3044\u300d\u3068\u3044\u3046\u4eba\u306b\u5bfe\u3057\u3066\u3001\u4f4f\u307f\u6163\u308c\u305f\u5bb6\u3092\u624b\u653e\u3059\u3053\u3068\u306a\u304f\u3059\u3050\u306b\u4f7f\u3048\u308b\u8cc7\u91d1\u3092\u63d0\u4f9b\u3057\u3066\u304f\u308c\u308b\u5546\u54c1\u3060\u304b\u3089\u3067\u3059\u3002<br \/>\n\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u5229\u7528\u5bfe\u8c61\u306b\u306a\u3063\u3066\u304f\u308b60\u6b73\u524d\u5f8c\u306f\u3001\u304a\u91d1\u3060\u3051\u3067\u306a\u304f\u4f53\u529b\u9762\u3067\u3082\u4e0d\u5b89\u304c\u51fa\u3066\u304f\u308b\u3067\u3057\u3087\u3046\u3002\u305d\u3093\u306a\u6642\u306b\u3001\u3082\u3046\u5bb6\u3092\u624b\u653e\u3057\u3066\u304a\u91d1\u3092\u5f97\u308b\u304b\u3001\u5bb6\u306f\u624b\u653e\u3055\u306a\u3044\u3051\u3069\u304a\u91d1\u304c\u306a\u3044\u3001\u3068\u3044\u3046\u9078\u629e\u80a2\u3057\u304b\u306a\u3044\u306e\u306f\u9177\u3060\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u3067\u3042\u308c\u3070\u3001\u5bb6\u3092\u624b\u653e\u3059\u3053\u3068\u306a\u304f\u304a\u91d1\u3082\u5f97\u3089\u308c\u308b\u3068\u3044\u3046\u9078\u629e\u80a2\u3092\u7528\u610f\u3067\u304d\u308b\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u3001\u305c\u3072\u4f7f\u3048\u308b\u304b\u3069\u3046\u304b\u306f\u78ba\u8a8d\u3057\u3066\u304a\u304d\u305f\u3044\u3068\u3053\u308d\u3067\u3059\u3002<\/p>\n<p>\u4eca\u56de\u306f\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u306e\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u5229\u7528\u306b\u3064\u3044\u3066\u3001<\/p>\n<ul>\n<li>\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u3082\u4f7f\u3048\u308b<\/li>\n<li>\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u4f7f\u3048\u308b\u30de\u30f3\u30b7\u30e7\u30f3\u304b\u5224\u65ad\u3059\u308b\u305f\u3081\u306e\uff13\u3064\u306e\u30dd\u30a4\u30f3\u30c8<\/li>\n<li>\u30de\u30f3\u30b7\u30e7\u30f3\u306e\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3067\u8abf\u9054\u3057\u305f\u8cc7\u91d1\u306f\u8a08\u753b\u7684\u306a\u5229\u7528\u304c\u5fc5\u9808<\/li>\n<li>\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u3082\u5229\u7528\u3067\u304d\u308b\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u5546\u54c1\u4f8b<\/li>\n<\/ul>\n<p>\u4ee5\u4e0a\u306e\uff14\u7ae0\u3067\u89e3\u8aac\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/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. \u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u3082\u4f7f\u3048\u308b<\/a><ul><li><a href=\"#1-1\">1-1. \u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u30de\u30f3\u30b7\u30e7\u30f3\u3082\u62c5\u4fdd\u306b\u3067\u304d\u308b<\/a><\/li><li><a href=\"#1-2\">1-2. \u305f\u3060\u3057\u3001\u6238\u5efa\u3066\u306b\u6bd4\u3079\u3066\u878d\u8cc7\u6761\u4ef6\u304c\u53b3\u3057\u304f\u91d1\u984d\u3082\u5c11\u306a\u3044\u50be\u5411\u306b\u3042\u308b<\/a><\/li><\/ul><\/li><li><a href=\"#i-2\">\uff12. \u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u4f7f\u3048\u308b\u30de\u30f3\u30b7\u30e7\u30f3\u304b\u5224\u65ad\u3059\u308b\u305f\u3081\u306e\uff13\u3064\u306e\u30dd\u30a4\u30f3\u30c8<\/a><ul><li><a href=\"#2-1\">2-1. \u6240\u5728\u5730\u304c\uff11\u90fd\uff13\u770c\u307e\u305f\u306f\u4e3b\u8981\u90fd\u5e02<\/a><\/li><li><a href=\"#2-2_1520\">2-2. \u5951\u7d04\u6642\u70b9\u3067\u7bc915\uff5e20\u5e74\u4ee5\u5185<\/a><\/li><li><a href=\"#2-3\">2-3. \u30de\u30f3\u30b7\u30e7\u30f3\u306e\u4e2d\u53e4\u58f2\u308a\u51fa\u3057\u4fa1\u683c\u304c\u3001\u57fa\u6e96\u3068\u306a\u308b\u62c5\u4fdd\u8a55\u4fa1\u984d\u3092\u8d85\u3048\u3066\u3044\u308b\u304b<\/a><\/li><\/ul><\/li><li><a href=\"#i-3\">\uff13. \u30de\u30f3\u30b7\u30e7\u30f3\u306e\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3067\u8abf\u9054\u3057\u305f\u8cc7\u91d1\u306f\u8a08\u753b\u7684\u306a\u5229\u7528\u304c\u5fc5\u9808<\/a><ul><li><a href=\"#3-1\">3-1. \u4f7f\u3044\u3059\u304e\u308b\u3068\u62c5\u4fdd\u5272\u308c\u30ea\u30b9\u30af\u304c\u767a\u751f\u3057\u3084\u3059\u3044<\/a><\/li><li><a href=\"#3-2\">3-2. \u62c5\u4fdd\u5272\u308c\u30ea\u30b9\u30af\u3092\u767a\u751f\u3055\u305b\u306a\u3044\u4f7f\u3044\u65b9\u3092\u3057\u3088\u3046<\/a><\/li><\/ul><\/li><li><a href=\"#i-4\">\uff14. \u30de\u30f3\u30b7\u30e7\u30f3\u3067\u3082\u5229\u7528\u3067\u304d\u308b\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u5546\u54c1\u4f8b\uff14\u3064<\/a><ul><li><a href=\"#4-1\">4-1. \u6771\u4eac\u30b9\u30bf\u30fc\u9280\u884c\u300c\u5145\u5b9f\u4eba\u751f\u300d<\/a><\/li><li><a href=\"#4-2\">4-2. \u307f\u305a\u307b\u9280\u884c\u300c\u307f\u305a\u307b\u30d7\u30e9\u30a4\u30e0\u30a8\u30a4\u30b8\u300d<\/a><\/li><li><a href=\"#4-3\">4-3. \u697d\u5929\u9280\u884c\u300c\u697d\u5929\u9280\u884c\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u300d<\/a><\/li><li><a href=\"#4-4_60\">4-4. \u4f4f\u5b85\u91d1\u878d\u652f\u63f4\u6a5f\u69cb\u300c\u30ea\u30fb\u30d0\u30fc\u30b960\u300d<\/a><\/li><\/ul><\/li><li><a href=\"#i-5\">\uff15. \u307e\u3068\u3081<\/a><\/li><\/ul><\/div>\n<h2><span id=\"i\">\uff11. \u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u3082\u4f7f\u3048\u308b<\/span><\/h2>\n<p>\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u3082\u4f7f\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u3057\u304b\u3057<strong>\u5b9f\u969b\u306b\u306f\u3001\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3067\u62c5\u4fdd\u306b\u3067\u304d\u308b\u4e0d\u52d5\u7523\u3092\u6238\u5efa\u3066\u306e\u307f\u3068\u3057\u3066\u3044\u308b\u91d1\u878d\u6a5f\u95a2\u304c\u591a\u3044<\/strong>\u3067\u3059\u3002\u30de\u30f3\u30b7\u30e7\u30f3\u3092\u62c5\u4fdd\u306b\u3067\u304d\u308b\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u53d6\u308a\u6271\u3063\u3066\u3044\u308b\u91d1\u878d\u6a5f\u95a2\u3082\u3042\u308a\u307e\u3059\u304c\u3001\u6570\u304c\u5c11\u306a\u304f\u3001\u6238\u5efa\u3066\u3088\u308a\u3082\u5be9\u67fb\u3084\u878d\u8cc7\u6761\u4ef6\u304c\u53b3\u3057\u304f\u306a\u3063\u3066\u3057\u307e\u3046\u306e\u304c\u5b9f\u60c5\u3067\u3059\u3002<\/p>\n<p>\u3053\u308c\u3092\u77e5\u3089\u305a\u3001\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u306e\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u5229\u7528\u3092\u6238\u5efa\u3066\u3068\u540c\u3058\u3088\u3046\u306b\u8003\u3048\u3066\u8a08\u753b\u3057\u3066\u3057\u307e\u3046\u3068\u3001<span style=\"font-size: 16px; color: #333333;\">\u300c\u878d\u8cc7\u304c\u53d7\u3051\u3089\u308c\u306a\u304b\u3063\u305f\u300d<\/span> \u300c\u60f3\u5b9a\u3088\u308a\u3082\u5c11\u306a\u3044\u91d1\u984d\u3057\u304b\u878d\u8cc7\u3057\u3066\u3082\u3089\u3048\u306a\u304b\u3063\u305f\u300d\u7b49\u306e\u4e8b\u614b\u304c\u8d77\u304d\u3066\u3057\u307e\u3044\u3001\u305d\u306e\u5f8c\u306e\u751f\u6d3b\u8a2d\u8a08\u3082\u72c2\u3046\u53ef\u80fd\u6027\u3082\u51fa\u3066\u3057\u307e\u3046\u306e\u3067\u6ce8\u610f\u3057\u3066\u304a\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u672c\u7ae0\u3067\u306f\u3001\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u4f7f\u3046\u3053\u3068\u306b\u3064\u3044\u3066\u3001<\/p>\n<ul>\n<li><strong>\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u30de\u30f3\u30b7\u30e7\u30f3\u3082\u62c5\u4fdd\u306b\u3067\u304d\u308b<\/strong><\/li>\n<li><strong>\u305f\u3060\u3057\u3001\u6238\u5efa\u3066\u306b\u6bd4\u3079\u308b\u3068\u501f\u308a\u306b\u304f\u304f\u878d\u8cc7\u984d\u3082\u5c11\u306a\u3044\u50be\u5411\u306b\u3042\u308b<\/strong><\/li>\n<\/ul>\n<p>\u4ee5\u4e0a\u306e\uff12\u70b9\u306b\u5206\u3051\u3066\u89e3\u8aac\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<h3><span id=\"1-1\">1-1. \u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u30de\u30f3\u30b7\u30e7\u30f3\u3082\u62c5\u4fdd\u306b\u3067\u304d\u308b<\/span><\/h3>\n<p>\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u30de\u30f3\u30b7\u30e7\u30f3\u3082\u62c5\u4fdd\u306b\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p><strong>\u57fa\u672c\u7684\u306a\u4f7f\u3044\u65b9\u306f\u3001\u6238\u5efa\u3066\u3092\u62c5\u4fdd\u306b\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u5229\u7528\u3057\u305f\u5834\u5408\u3068\u5168\u304f\u5909\u308f\u308a\u307e\u305b\u3093<\/strong>\u3002<\/p>\n<p>\u305d\u3082\u305d\u3082\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u300c\u81ea\u5206\u304c\u5c45\u4f4f\u7528\u306b\u4f7f\u3063\u3066\u3044\u308b\u7269\u4ef6\u3092\u62c5\u4fdd\u306b\u878d\u8cc7\u3092\u53d7\u3051\u308b\u300d\u3068\u3044\u3046\u4ed5\u7d44\u307f\u306e\u5546\u54c1\u3067\u3059\u3002<br \/>\n\u305d\u306e\u305f\u3081\u3001<strong><span style=\"color: #ff0000;\">\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u3082\u6238\u5efa\u3066\u3067\u3082\u3001\u81ea\u5206\u304c\u4f4f\u3093\u3067\u3055\u3048\u3044\u308c\u3070\u62c5\u4fdd\u306e\u5bfe\u8c61\u306b\u306a\u308b<\/span><\/strong>\u3068\u8a00\u3048\u307e\u3059\u3002\u4f59\u8ac7\u3067\u3059\u304c\u3001\u91d1\u878d\u6a5f\u95a2\u306b\u3088\u308b\u3082\u306e\u306e\u3001\u5e38\u6642\u4f4f\u3093\u3067\u3044\u308b\u308f\u3051\u3067\u306f\u306a\u3044<span style=\"font-size: 16px;\">\u5225\u8358\u3084\u30bb\u30ab\u30f3\u30c9\u30cf\u30a6\u30b9\u3082\u62c5\u4fdd\u3067\u304d\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059<\/span><span style=\"font-size: 16px; color: #333333;\">\u3002\u305d\u306e\u5834\u5408\u3082\u30de\u30f3\u30b7\u30e7\u30f3\u304b\u6238\u5efa\u3066\u304b\u306f\u554f\u308f\u308c\u307e\u305b\u3093\u3002<\/span><\/p>\n<p>\u3057\u304b\u3057<span style=\"color: #0000ff;\">\u300c\u81ea\u5206\u304c\u5c45\u4f4f\u7528\u306b\u4f7f\u3063\u3066\u3044\u308b\u300d\u304c\u6761\u4ef6\u3067\u3042\u308b\u305f\u3081\u3001\u4f8b\u3048\u3070\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u3082\u4ed6\u4eba\u3092\u4f4f\u307e\u308f\u305b\u3066\u3044\u308b\u8cc3\u8cb8\u7269\u4ef6\u3084\u3001\u6700\u521d\u304b\u3089\u5c45\u4f4f\u7528\u306e\u5efa\u7269\u304c\u306a\u3044\u571f\u5730\u306f\u62c5\u4fdd\u306b\u3067\u304d\u306a\u3044<\/span>\u3053\u3068\u306f\u899a\u3048\u3066\u304a\u304d\u307e\u3057\u3087\u3046\u3002\uff08\u305f\u3060\u3057\u3001\u91d1\u878d\u6a5f\u95a2\u306b\u3088\u3063\u3066\u306f\u201c<span style=\"font-size: 16px; color: #333333;\">\u5171\u540c\u62c5\u4fdd<\/span>\u201d\u3068\u3044\u3046\u5f62\u5f0f\u3092\u53d6\u308c\u3070\u571f\u5730\u3082\u62c5\u4fdd\u306b\u3067\u304d\u308b\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002\uff09<\/p>\n<p><span style=\"font-size: 16px;\"><strong>\u8abf\u9054\u3067\u304d\u305f\u8cc7\u91d1\u306e\u4f7f\u3044\u9053\u306f\u3001\u7533\u3057\u8fbc\u3093\u3060\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u5546\u54c1\u5185\u5bb9\u6b21\u7b2c<\/strong><\/span><span style=\"font-size: 16px; color: #333333;\">\u3068\u306a\u308a\u307e\u3059\u3002<\/span><br \/>\n<span style=\"font-size: 16px; color: #333333;\">\u300c\u30de\u30f3\u30b7\u30e7\u30f3\u304c\u62c5\u4fdd\u306b\u306a\u3063\u3066\u3044\u308b\u304b\u3089\u25cb\u25cb\u306f\u3067\u304d\u306a\u3044\u300d\u3068\u3044\u3063\u305f\u3053\u3068\u306f\u306a\u304f\u3001\u305d\u306e\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u304c\u8cc7\u91d1\u306e\u4f7f\u3044\u9053\u3092\u81ea\u7531\u3068\u3057\u3066\u3044\u308b\u304b\u3001\u3082\u3057\u304f\u306f\u4f4f\u5b85\u95a2\u9023\u306e\u307f\u3068\u3057\u3066\u3044\u308b\u304b\u306b\u3088\u3063\u3066\u6c7a\u307e\u308a\u307e\u3059\u3002<\/span><\/p>\n<p>\u6700\u7d42\u7684\u306a\u5143\u91d1\u306e\u8fd4\u6e08\u306f\u3001\u30de\u30f3\u30b7\u30e7\u30f3\u30fb\u6238\u5efa\u3066\u3069\u3061\u3089\u3068\u3082\u306b\u3001\u307e\u305a\u306f\u73fe\u91d1\u4e00\u62ec\u3067\u306e\u8fd4\u6e08\u3092\u6c42\u3081\u3089\u308c\u307e\u3059\u3002\u305d\u308c\u304c\u3067\u304d\u306a\u3051\u308c\u3070\u3001\u62c5\u4fdd\u306b\u3057\u3066\u3044\u305f\u4e0d\u52d5\u7523\u3092\u58f2\u5374\u3082\u3057\u304f\u306f\u91d1\u878d\u6a5f\u95a2\u3078\u5f15\u304d\u6e21\u3059\u3053\u3068\u3067\u5b8c\u4e86\u3057\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u3088\u3046\u306b\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u3001\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u3082\u6238\u5efa\u3066\u3068\u5909\u308f\u308a\u306a\u304f\u4f7f\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<br \/>\n<strong><span style=\"color: #ff0000;\">\u300c\u30de\u30f3\u30b7\u30e7\u30f3\u3060\u304b\u3089\u300d\u3068\u3044\u3046\u3053\u3068\u3067\u3001\u5229\u7528\u4e0a\u306e\u5236\u9650\u3092\u53d7\u3051\u308b\u3068\u3044\u3063\u305f\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u306e\u3067\u5b89\u5fc3\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/span><\/strong><\/p>\n<h3><span id=\"1-2\">1-2. \u305f\u3060\u3057\u3001\u6238\u5efa\u3066\u306b\u6bd4\u3079\u3066\u878d\u8cc7\u6761\u4ef6\u304c\u53b3\u3057\u304f\u91d1\u984d\u3082\u5c11\u306a\u3044\u50be\u5411\u306b\u3042\u308b<\/span><\/h3>\n<p>\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u3082\u5229\u7528\u3067\u304d\u307e\u3059\u304c\u3001<strong>\u6238\u5efa\u3066\u306b\u6bd4\u3079\u3066\u878d\u8cc7\u6761\u4ef6\u304c\u53b3\u3057\u304f\u91d1\u984d\u3082\u5c11\u306a\u3044\u50be\u5411\u306b\u3042\u308a\u307e\u3059\u3002<\/strong><\/p>\n<p>\u306a\u305c\u306a\u3089\u3001<strong><span style=\"color: #ff0000;\">\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u62c5\u4fdd\u8a55\u4fa1\u306b\u304a\u3044\u3066\u3001<\/span><\/strong><strong><span style=\"color: #ff0000;\">\u30de\u30f3\u30b7\u30e7\u30f3\u306f\u3001\u6238\u5efa\u3066\u306b\u6bd4\u3079\u308b\u3068\u62c5\u4fdd\u3068\u3057\u3066\u306e\u4fa1\u5024\u304c\u4f4e\u3044\u3068\u307f\u306a\u3055\u308c\u3066\u3057\u307e\u3046\u304b\u3089<\/span><\/strong>\u3067\u3059\u3002<\/p>\n<p>\u3053\u308c\u306b\u306f\u3001\u65e5\u672c\u306b\u304a\u3051\u308b\u4f4f\u5b85\u306e\u4fa1\u5024\u306e\u8003\u3048\u65b9\u304c\u95a2\u4fc2\u3057\u3066\u3044\u307e\u3059\u3002<br \/>\n\u7aef\u7684\u306b\u8a00\u3046\u3068\u3001\u5efa\u7269\u3088\u308a\u571f\u5730\u306e\u65b9\u304c\u4fa1\u5024\u304c\u9ad8\u3044\u3068\u3044\u3046\u8003\u3048\u65b9\u3067\u3059\u3002\u305d\u3057\u3066\u30de\u30f3\u30b7\u30e7\u30f3\u306f\u6238\u5efa\u3066\u306b\u6bd4\u3079\u3001\u4fdd\u6709\u3067\u304d\u308b\u571f\u5730\u306e\u5272\u5408\u304c\u5c11\u306a\u3044\u3067\u3059\u3002<br \/>\n\u3053\u308c\u3089\u306e\u8981\u7d20\u304c\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u62c5\u4fdd\u8a55\u4fa1\u3067\u4e0d\u5229\u306b\u50cd\u3044\u3066\u3057\u307e\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u65e5\u672c\u3067\u306f\u4f4f\u5b85\u306e\u4fa1\u5024\u3092\u7b97\u51fa\u3059\u308b\u6642\u3001\u571f\u5730\u3068\u5efa\u7269\u306f\u5206\u3051\u3066\u8003\u3048\u307e\u3059\u3002<br \/>\n<span style=\"color: #0000ff;\"><strong>\u5efa\u7269\u306b\u306f\u8010\u7528\u5e74\u6570\u3068\u3044\u3046\u57fa\u6e96\u304c\u8a2d\u3051\u3089\u308c\u3066\u304a\u308a\u3001<\/strong><strong>\u300c\u5e74\u6570\u304c\u7d4c\u3066\u3070\u4fa1\u5024\u304c\u306a\u304f\u306a\u308b\u300d\u3068\u3055\u308c\u3066\u3044\u307e\u3059<\/strong><\/span>\u3002\u8010\u7528\u5e74\u6570\u306f\u3001\u30de\u30f3\u30b7\u30e7\u30f3\u306e\u65b9\u304c\u6238\u5efa\u3066\u3088\u308a\u3082\u9577\u304f\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u307e\u3059\u304c\u3001\u305d\u308c\u3067\u3082\u6700\u7d42\u7684\u306b\u306f\uff10\u3068\u306a\u308a\u307e\u3059\u3002<strong>\u6545\u306b\u3001<\/strong><span style=\"font-size: 16px; color: #333333;\"><strong>\u5efa\u7269\u306b\u62c5\u4fdd\u3068\u3057\u3066\u306e\u4fa1\u5024\u3092\u3064\u3051\u308b\u306e\u306f\u96e3\u3057\u3044<\/strong>\u3067\u3059\u3002<\/span><\/p>\n<p>\u3057\u304b\u3057<span style=\"color: #ff0000;\"><strong>\u571f\u5730\u306b\u8010\u7528\u5e74\u6570\u3068\u3044\u3046\u8003\u3048\u65b9\u306f\u3042\u308a\u307e\u305b\u3093<\/strong><\/span>\u3002<br \/>\n\u3069\u308c\u3060\u3051\u6642\u9593\u304c\u7d4c\u3063\u305f\u3068\u3057\u3066\u3082\u571f\u5730\u304c\u306a\u304f\u306a\u308b\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u306e\u3067\u3001\u571f\u5730\u306e\u4fa1\u5024\u306f\u7dad\u6301\u3055\u308c\u308b\u3053\u3068\u306b\u306a\u308a\u3001<strong>\u571f\u5730\u306e\u65b9\u304c\u62c5\u4fdd\u3068\u3057\u3066\u306e\u4fa1\u5024\u304c\u9ad8\u3044<\/strong>\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u3057\u305f\u304c\u3063\u3066\u3001<strong>\u6238\u5efa\u3066\u3088\u308a\u3082\u4fdd\u6709\u3067\u304d\u308b\u571f\u5730\u306e\u5272\u5408\u304c\u5c11\u306a\u3044\u3068\u3055\u308c\u308b\u30de\u30f3\u30b7\u30e7\u30f3\u306e\u65b9\u304c\u3001\u62c5\u4fdd\u3068\u3057\u3066\u306e\u4fa1\u5024\u304c\u4f4e\u3044\u3068\u3055\u308c\u3066\u3057\u307e\u3046<\/strong>\u306e\u3067\u3059\u3002<\/p>\n<p><span style=\"font-size: 16px; color: #333333;\">\u91d1\u878d\u6a5f\u95a2\u304b\u3089\u3057\u3066\u307f\u308c\u3070\u3001<\/span>\u62c5\u4fdd\u306e\u4fa1\u5024\u304c\u4f4e\u3044\u3068\u3001\u305f\u304f\u3055\u3093\u304a\u91d1\u3092\u8cb8\u3057\u305f\u3068\u3057\u3066\u3082\u305d\u308c\u3092\u56de\u53ce\u3067\u304d\u308b\u304b\u304c\u5371\u3076\u307e\u308c\u3066\u3057\u307e\u3044\u307e\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u30de\u30f3\u30b7\u30e7\u30f3\u306f\u6238\u5efa\u3066\u3088\u308a\u3082\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u5229\u7528\u3059\u308b\u306b\u3042\u305f\u3063\u3066\u306e\u6761\u4ef6\u304c\u53b3\u3057\u304f\u306a\u308a\u3001\u305d\u3082\u305d\u3082\u878d\u8cc7\u3057\u3066\u3082\u3089\u3048\u308b\u91d1\u984d\u3082\u5c11\u306a\u304f\u306a\u3063\u3066\u3057\u307e\u3046\u306e\u3067\u3059\u3002<\/p>\n<p>\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u306e\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u5229\u7528\u3092\u691c\u8a0e\u3057\u3066\u3044\u308b\u306e\u3067\u3057\u305f\u3089\u3001\u3053\u306e\u70b9\u306f\u982d\u306b\u5165\u308c\u3066\u304a\u3044\u3066\u307b\u3057\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p><a href=\"https:\/\/fpbank.co.jp\/fpguide\/merit-demerit\/\" target=\"_blank\" rel=\"noopener\">\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30f3\u30ca\u30fc\u76f8\u8ac7\u306e\u30e1\u30ea\u30c3\u30c8\u30fb\u30c7\u30e1\u30ea\u30c3\u30c8<\/a><\/p>\n<h2><span id=\"i-2\">\uff12. \u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u4f7f\u3048\u308b\u30de\u30f3\u30b7\u30e7\u30f3\u304b\u5224\u65ad\u3059\u308b\u305f\u3081\u306e\uff13\u3064\u306e\u30dd\u30a4\u30f3\u30c8<\/span><\/h2>\n<p>\uff11\u7ae0\u306b\u3066\u3001\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u3082\u4f7f\u3048\u308b\u3082\u306e\u306e\u3001\u5b9f\u969b\u306b\u306f\u62c5\u4fdd\u4fa1\u5024\u304c\u4f4e\u3081\u306b\u306a\u308b\u306e\u3067\u878d\u8cc7\u3092\u53d7\u3051\u306b\u304f\u3044\u50be\u5411\u304c\u3042\u308b\u3068\u304a\u4f1d\u3048\u3057\u307e\u3057\u305f\u3002<\/p>\n<p>\u305d\u308c\u3067\u3082\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3068\u3044\u3046\u5546\u54c1\u306f\u3001\u304a\u91d1\u306e\u4e0d\u5b89\u304c<span style=\"font-size: 16px; color: #333333;\">\u5c11\u306a\u304b\u3089\u305a<\/span>\u3042\u308b\u3067\u3042\u308d\u3046\u8001\u5f8c\u306b\u304a\u3044\u3066\u306f\u5fc3\u5f37\u3044\u5473\u65b9\u306b\u306a\u3063\u3066\u304f\u308c\u308b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u3057\u305f\u304c\u3063\u3066\u672c\u7ae0\u3067\u306f\u3001\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u4f7f\u3048\u308b\u30de\u30f3\u30b7\u30e7\u30f3\u304b\u3069\u3046\u304b\u3092\u5224\u65ad\u3059\u308b\u305f\u3081\u306e\uff13\u3064\u306e\u30dd\u30a4\u30f3\u30c8\u3092\u304a\u8a71\u3057\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<p>\u305d\u306e\u30dd\u30a4\u30f3\u30c8\u3068\u306f\u4ee5\u4e0b\u306e\u901a\u308a\u3067\u3059\u3002<\/p>\n<ul>\n<li><strong>\u7269\u4ef6\u306e\u6240\u5728\u5730<\/strong><\/li>\n<li><strong>\u7bc9\u5e74\u6570<\/strong><\/li>\n<li><strong>\u5e02\u5834\u4fa1\u5024<\/strong><\/li>\n<\/ul>\n<p><strong><span style=\"color: #ff0000;\">\u5168\u3066\u306e\u91d1\u878d\u6a5f\u95a2\u304c\u3053\u306e\u30dd\u30a4\u30f3\u30c8\u3060\u3051\u3067\u5224\u65ad\u3057\u3066\u3044\u308b\u3068\u306f\u8a00\u3048\u307e\u305b\u3093\u3002\u307e\u305f\u305d\u308c\u305e\u308c\u3001\u8a55\u4fa1\u57fa\u6e96\u3082\u7570\u306a\u308b\u3067\u3057\u3087\u3046\u3002<\/span><\/strong><strong><span style=\"color: #ff0000;\">\u3057\u304b\u3057\u5f53\u793e\u304c\u8abf\u67fb\u3057\u305f\u9650\u308a\u3067\u306f\u3001\u3053\u306e\uff13\u3064\u306f\u898b\u3089\u308c\u3066\u3044\u308b\u53ef\u80fd\u6027\u304c\u9ad8\u3044<\/span><\/strong>\u3067\u3059\u3002<\/p>\n<p>\u500b\u5225\u306b\u89e3\u8aac\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<h3><span id=\"2-1\">2-1. \u6240\u5728\u5730\u304c\uff11\u90fd\uff13\u770c\u307e\u305f\u306f\u4e3b\u8981\u90fd\u5e02<\/span><\/h3>\n<p>\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u4f7f\u3048\u308b\u30de\u30f3\u30b7\u30e7\u30f3\u304b\u3069\u3046\u304b\u3092\u5224\u65ad\u3059\u308b\u305f\u3081\u306e\u30dd\u30a4\u30f3\u30c8\uff11\u3064\u76ee\u306f\u3001<strong>\u7269\u4ef6\u306e<\/strong><strong>\u6240\u5728\u5730<\/strong>\u3067\u3059\u3002<\/p>\n<p>1-2\u3067\u89e3\u8aac\u3057\u305f\u3088\u3046\u306b\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u306f\u73fe\u7269\u306e\u571f\u5730\u3092\u4fdd\u6709\u3067\u304d\u306a\u3044\u306e\u3067\u3001\u5efa\u7269\u306b\u4fa1\u5024\u3092\u898b\u51fa\u3059\u3057\u304b\u3042\u308a\u307e\u305b\u3093\u3002\u305d\u3046\u306a\u308b\u3068\u3001<strong><span style=\"color: #ff0000;\">\u6642\u9593\u7d4c\u904e\u3067\u5efa\u7269\u306e\u4fa1\u5024\u304c\u4f4e\u304f\u306a\u3063\u305f\u3068\u3057\u3066\u3082\u3001\u9ad8\u304f\u58f2\u308b\u3053\u3068\u304c\u3067\u304d\u305d\u3046\u306a\u30a8\u30ea\u30a2\u306b\u3042\u308b\u3053\u3068\u304c\u91cd\u8981\u306b\u306a\u3063\u3066\u304f\u308b<\/span><\/strong>\u8a33\u3067\u3059\u3002<\/p>\n<p>\u3057\u305f\u304c\u3063\u3066\u3001\u591a\u304f\u306f\u4ee5\u4e0b\u306e\u69d8\u306b\u5bfe\u8c61\u30a8\u30ea\u30a2\u3092\u5b9a\u3081\u3066\u3044\u307e\u3059\u3002<\/p>\n<ul>\n<li><strong>\uff11\u90fd\uff13\u770c\uff08\u6771\u4eac\u90fd\u3001\u795e\u5948\u5ddd\u770c\u3001\u5343\u8449\u770c\u3001\u57fc\u7389\u770c\uff09<\/strong><\/li>\n<li><strong>\u6771\u4eac\u90fd\u3001\u795e\u5948\u5ddd\u770c\u3001\u5343\u8449\u770c\u3001\u57fc\u7389\u770c\u3001\u611b\u77e5\u770c\u3001\u5927\u962a\u5e9c\u3001\u4eac\u90fd\u5e9c\u3001\u5175\u5eab\u770c<\/strong><\/li>\n<li><strong>\u5168\u56fd\u4e3b\u8981\u90fd\u5e02\uff08\u9996\u90fd\u570f\u3001\u95a2\u897f\u570f\u3001\u4e2d\u4eac\u570f\uff09<\/strong><\/li>\n<\/ul>\n<p>\u305f\u3060\u3057<strong><span style=\"color: #0000ff;\">\u4f8b\u3048\u3070\u6771\u4eac\u90fd\u3060\u3063\u305f\u3068\u3057\u3066\u3082\u3001\u3055\u3089\u306b4\uff5e5\u3064\u306e\u5730\u57df\u306b\u533a\u5206\u3057\u3066\u78ba\u8a8d\u3057\u3066\u3044\u308b\u3068\u3044\u3046\u60c5\u5831\u3082\u3042\u308a\u307e\u3059<\/span><\/strong>\u306e\u3067\u3001\u3053\u308c\u3089\u306e\u30a8\u30ea\u30a2\u306b\u8a72\u5f53\u3057\u3066\u3044\u308b\u3068\u3044\u3063\u3066\u3082\u307e\u3060\u5b89\u5fc3\u3059\u308b\u306e\u306f\u65e9\u3044\u3067\u3059\u3002\u307e\u305f\u3001\u99c5\u304b\u3089\u5f92\u6b6910\u5206\u570f\u5185\u3067\u3042\u308b\u306a\u3069\u306e\u5229\u4fbf\u6027\u306e\u9ad8\u3055\u3082\u8003\u616e\u3055\u308c\u308b\u3068\u8a00\u3044\u307e\u3059\u3002<\/p>\n<p><span style=\"font-size: 16px; color: #333333;\">\u305d\u308c\u3067\u3082\u3001\u62c5\u4fdd\u306b\u3057\u3088\u3046\u3068\u3057\u3066\u3044\u308b\u30de\u30f3\u30b7\u30e7\u30f3\u304c\u4e0a\u8a18\u306e\u30a8\u30ea\u30a2\u5185\u306b\u3042\u308c\u3070\u3001\u3072\u3068\u307e\u305a\u5be9\u67fb\u5bfe\u8c61\u306b\u306a\u308c\u308b\u3068\u8a00\u3048\u308b\u3067\u3057\u3087\u3046\u3002<\/span><\/p>\n<h3><span id=\"2-2_1520\">2-2. \u5951\u7d04\u6642\u70b9\u3067\u7bc915\uff5e20\u5e74\u4ee5\u5185<\/span><\/h3>\n<p>\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u4f7f\u3048\u308b\u30de\u30f3\u30b7\u30e7\u30f3\u304b\u3069\u3046\u304b\u3092\u5224\u65ad\u3059\u308b\u305f\u3081\u306e\u30dd\u30a4\u30f3\u30c8\uff12\u3064\u76ee\u306f\u3001<strong>\u7269\u4ef6\u306e\u7bc9\u5e74\u6570<\/strong>\u3067\u3059\u3002<\/p>\n<p><strong>\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u62c5\u4fdd\u306b\u3057\u305f\u7269\u4ef6\u3092\u58f2\u5374\u3059\u308b\u3053\u3068\u306b\u306a\u308b\u306e\u306f\u3001\u4e07\u4e00\u306e\u3053\u3068\u304c\u306a\u3044\u9650\u308a\u3001\u5341\u6570\u5e74\uff5e\u6570\u5341\u5e74\u5f8c<\/strong>\u306b\u306a\u308b\u3068\u8003\u3048\u3089\u308c\u307e\u3059\u3002\u305d\u306e\u6642\u70b9\u3067\u3082<strong><span style=\"color: #ff0000;\">\u5efa\u7269\u306e\u4fa1\u5024\u3092\u7dad\u6301\u3067\u304d\u308b\u7269\u4ef6\u3068\u306a\u308b\u3068\u3001\u306a\u308b\u3079\u304f\u65b0\u3057\u3044\u7269\u4ef6\u304c\u3044\u3044<\/span><\/strong>\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308b\u306e\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>\u7bc9\u5e74\u6570\u306b\u95a2\u3057\u3066\u3001\u30de\u30f3\u30b7\u30e7\u30f3\u306e\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u3084\u3063\u3066\u3044\u308b\u91d1\u878d\u6a5f\u95a2\u3092\u3072\u3068\u901a\u308a\u8abf\u3079\u305f\u3068\u3053\u308d\u3001\u4e3b\u306b\u6b21\u306e\uff12\u30d1\u30bf\u30fc\u30f3\u304c\u3042\u308a\u307e\u3057\u305f\u3002<\/p>\n<ul>\n<li><strong>\u5951\u7d04\u6642\u70b9\u3067\u7bc915\uff5e20\u5e74\u4ee5\u5185<\/strong><\/li>\n<li><strong>\u5951\u7d04\u8005\u306e\u5e74\u9f62\u304c100\u6b73\u306b\u306a\u308b\u6642\u70b9\u3067\u7bc9\u5e74\u657040\uff5e45\u5e74\u4ee5\u5185<\/strong><\/li>\n<\/ul>\n<p>\u3053\u306e\uff12\u30d1\u30bf\u30fc\u30f3\u3067\u6bd4\u8f03\u3059\u308b\u3068\u300c\u5951\u7d04\u6642\u70b9\u3067\u7bc915\uff5e20\u5e74\u4ee5\u5185\u300d\u306e\u65b9\u304c\u6761\u4ef6\u306f\u7de9\u3044\u3068\u8a00\u3048\u307e\u3059\u3002<br \/>\n\u300c\u5951\u7d04\u8005\u306e\u5e74\u9f62\u304c100\u6b73\u306b\u306a\u308b\u6642\u70b9\u3067\u7bc9\u5e74\u657040\uff5e45\u5e74\u4ee5\u5185\u300d\u3060\u3068\u3001\u4f8b\u3048\u307060\u6b73\u306e\u6642\u306b\u65b0\u7bc9\u3067\u8cfc\u5165\u3057\u305f\u30de\u30f3\u30b7\u30e7\u30f3\u304c\u5bfe\u8c61\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308b\u304b\u3089\u3067\u3059\u3002<\/p>\n<p>\u91d1\u878d\u6a5f\u95a2\u304c\u3069\u306e\u3088\u3046\u306a\u57fa\u6e96\u3092\u4f7f\u3063\u3066\u3044\u308b\u304b\u306f\u5546\u54c1\u8aac\u660e\u30da\u30fc\u30b8\u306b\u8f09\u3063\u3066\u3044\u306a\u3044\u3053\u3068\u3082\u591a\u3044\u3067\u3059\u304c\u3001\u7bc9\u5e74\u6570\u306b\u95a2\u3057\u3066\u306f\u3001\u307e\u305a\u306f\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u5951\u7d04\u6642\u70b9\u3067\u7bc915\uff5e20\u5e74\u4ee5\u5185\u306b\u5f53\u305f\u308b\u304b\u3092\u78ba\u8a8d\u3057\u3066\u307f\u308b\u3088\u3046\u306b\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3><span id=\"2-3\">2-3. \u30de\u30f3\u30b7\u30e7\u30f3\u306e\u4e2d\u53e4\u58f2\u308a\u51fa\u3057\u4fa1\u683c\u304c\u3001\u57fa\u6e96\u3068\u306a\u308b\u62c5\u4fdd\u8a55\u4fa1\u984d\u3092\u8d85\u3048\u3066\u3044\u308b\u304b<\/span><\/h3>\n<p>\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u4f7f\u3048\u308b\u30de\u30f3\u30b7\u30e7\u30f3\u304b\u3069\u3046\u304b\u3092\u5224\u65ad\u3059\u308b\u305f\u3081\u306e\u30dd\u30a4\u30f3\u30c8\uff13\u3064\u76ee\u306f\u3001\u305d\u306e\u30de\u30f3\u30b7\u30e7\u30f3\u306e<strong>\u4e2d\u53e4\u58f2\u308a\u51fa\u3057\u4fa1\u683c<\/strong>\u3067\u3059\u3002<\/p>\n<p><strong><span style=\"color: #ff0000;\">\u91d1\u878d\u6a5f\u95a2\u304c\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u62c5\u4fdd\u3068\u3059\u308b\u306e\u306b\u5fc5\u8981\u306a\u8a55\u4fa1\u984d\uff08\u62c5\u4fdd\u8a55\u4fa1\u984d\uff09\u306e\u57fa\u6e96\u3092\u516c\u958b\u3057\u3066\u3044\u308b\u5834\u5408\u3001\u4e2d\u53e4\u58f2\u308a\u51fa\u3057\u4fa1\u683c\u304c\u3053\u306e\u57fa\u6e96\u3092\u8d85\u3048\u3066\u3044\u308c\u3070\u3001<\/span><\/strong><span style=\"font-size: 16px; color: #ff0000;\"><strong>\u5be9\u67fb\u3092\u3057\u3066\u3082\u3089\u3048\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b<\/strong><\/span><span style=\"font-size: 16px; color: #333333;\">\u3068\u8a00\u3048\u307e\u3059\u3002<\/span>\u00a0<\/p>\n<p>\u306a\u305c\u3053\u308c\u3067\u5224\u65ad\u3067\u304d\u308b\u304b\u3068\u3044\u3046\u3068\u3001<strong>\u91d1\u878d\u6a5f\u95a2\u306f\u4e2d\u53e4\u58f2\u308a\u51fa\u3057\u4fa1\u683c\u3092\u53c2\u8003\u306b\u3001\u305d\u306e\u7269\u4ef6\u306e\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3067\u306e\u62c5\u4fdd\u8a55\u4fa1\u984d\u3092\u6c7a\u3081\u308b\u304b\u3089<\/strong>\u3067\u3059\u3002<\/p>\n<p>\u91d1\u878d\u6a5f\u95a2\u306f\u72ec\u81ea\u306b<span style=\"font-size: 16px; color: #333333;\">\u300c\u62c5\u4fdd\u7269\u4ef6\u306b\u3059\u308b\u306b\u306f\u6700\u4f4e\u3053\u306e\u304f\u3089\u3044\u306e\u8a55\u4fa1\u984d\u304c\u5fc5\u8981\u300d\u3068\u3044\u3046\u57fa\u6e96\u3092\u8a2d\u5b9a\u3057\u3066\u3044\u307e\u3059\u3002\u306a\u304a\u3001\u3053\u306e\u57fa\u6e96\u306f\u5168\u3066\u306e\u91d1\u878d\u6a5f\u95a2\u304c\u516c\u958b\u3057\u3066\u3044\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u306e\u3067\u3001\u3053\u306e\u65b9\u6cd5\u304c\u4f7f\u3048\u308b\u306e\u306f\u5fc5\u8981\u306a\u62c5\u4fdd\u8a55\u4fa1\u984d\u3092\u516c\u958b\u3057\u3066\u3044\u308b\u5148\u306e\u307f\u3067\u3059\u3002<\/span><\/p>\n<p>\u4f8b\u3048\u3070\u3001\u6771\u4eac\u30b9\u30bf\u30fc\u9280\u884c\u306e\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3067\u3042\u308b\u300c\u5145\u5b9f\u4eba\u751f\u300d\u3067\u306f\u3001\u300c\u62c5\u4fdd\u8a55\u4fa1\u984d\u304c\u30de\u30f3\u30b7\u30e7\u30f3\u306e\u5834\u54082,000\u4e07\u5186\u4ee5\u4e0a\u306e\u7269\u4ef6\u304c\u5bfe\u8c61\u300d\u3068\u3057\u3066\u3044\u307e\u3059\u3002\u4e2d\u53e4\u58f2\u308a\u51fa\u3057\u4fa1\u683c\u304c1,500\u4e07\u5186\u306a\u3089\u5bfe\u8c61\u7269\u4ef6\u306b\u306f\u306a\u308a\u307e\u305b\u3093\u304c\u30012,500\u4e07\u5186\u306a\u3089\u5bfe\u8c61\u306b\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u306a\u304a\u3001<strong style=\"background-color: transparent; word-spacing: normal;\"><span style=\"color: #0000ff;\">\u4e2d\u53e4\u58f2\u308a\u51fa\u3057\u4fa1\u683c\u306f\u3001\u4e0d\u52d5\u7523\u4f1a\u793e\u7b49\u306e\u30db\u30fc\u30e0\u307a\u30fc\u30b8\u3067\u78ba\u8a8d\u3067\u304d\u308b\u3082\u306e\u3067\u5927\u4e08\u592b<\/span><\/strong><span style=\"background-color: transparent; word-spacing: normal;\">\u3067\u3059\u3002<\/span><\/p>\n<p>\u305f\u3060\u3057\u3042\u304f\u307e\u3067\u300c\u5be9\u67fb\u3057\u3066\u3082\u3089\u3048\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u300d\u3060\u3051\u3067\u3042\u308a\u3001<strong>\u8d85\u3048\u3066\u3044\u308b\u304b\u3089\u78ba\u5b9f\u306b\u878d\u8cc7\u3057\u3066\u3082\u3089\u3048\u308b\u3068\u3044\u3046\u8a33\u3067\u306f\u306a\u3044\u3053\u3068\u306b\u6ce8\u610f<\/strong>\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<p>\u3082\u3057\u7533\u3057\u8fbc\u307f\u3092\u3057\u3088\u3046\u3068\u3057\u3066\u3044\u308b\u5148\u304c\u305d\u308c\u3092\u516c\u958b\u3057\u3066\u3044\u308b\u306a\u3089\u3001\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u5229\u7528\u3057\u3088\u3046\u3068\u3057\u3066\u3044\u308b\u30de\u30f3\u30b7\u30e7\u30f3\u306e\u5e02\u5834\u4fa1\u5024\u3092\u81ea\u5206\u3067\u8abf\u3079\u3066\u307f\u308b\u3068\u826f\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p><a href=\"https:\/\/fpbank.co.jp\/fpguide\/merit-demerit\/\" target=\"_blank\" rel=\"noopener\">\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30f3\u30ca\u30fc\u76f8\u8ac7\u306e\u30e1\u30ea\u30c3\u30c8\u30fb\u30c7\u30e1\u30ea\u30c3\u30c8<\/a><\/p>\n<h2><span id=\"i-3\">\uff13. \u30de\u30f3\u30b7\u30e7\u30f3\u306e\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3067\u8abf\u9054\u3057\u305f\u8cc7\u91d1\u306f\u8a08\u753b\u7684\u306a\u5229\u7528\u304c\u5fc5\u9808<\/span><\/h2>\n<p>\u30de\u30f3\u30b7\u30e7\u30f3\u306e\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3067\u8abf\u9054\u3057\u305f\u8cc7\u91d1\u306f\u3001\u6238\u5efa\u3066\u306e\u5834\u5408\u4ee5\u4e0a\u306b\u3001\u8a08\u753b\u7684\u306a\u5229\u7528\u304c\u5fc5\u9808\u3068\u8a00\u3048\u307e\u3059\u3002<\/p>\n<p>\u306a\u305c\u306a\u30891\u7ae0\u3067\u4f1d\u3048\u305f\u3088\u3046\u306b\u3001\u6238\u5efa\u3066\u3088\u308a\u3082\u8abf\u9054\u3067\u304d\u308b\u8cc7\u91d1\u304c\u5c11\u306a\u304f\u306a\u308b\u50be\u5411\u304c\u3042\u308b\u304b\u3089\u3067\u3059\u3002<br \/>\n<strong>\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u4f7f\u3044\u3059\u304e\u308b\u3068\u3001\u5229\u7528\u671f\u9593\u4e2d\u306b\u4e00\u90e8\u8fd4\u6e08\u3092\u6c42\u3081\u3089\u308c\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002\u3064\u307e\u308a\u305d\u3082\u305d\u3082\u8abf\u9054\u3067\u304d\u308b\u91d1\u984d\u304c\u5c11\u306a\u3044\u3068\u3001\u3053\u306e\u4e8b\u614b\u306b\u9665\u308b\u53ef\u80fd\u6027\u3082\u9ad8\u304f\u306a\u3063\u3066\u3057\u307e\u3046<\/strong>\u3068\u8a00\u3048\u308b\u306e\u3067\u3059\u3002<\/p>\n<p>\u3082\u3061\u308d\u3093\u3001\u305f\u3060\u4f7f\u3046\u3060\u3051\u3067\u3053\u306e\u30ea\u30b9\u30af\u304c\u767a\u751f\u3059\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u306e\u3067\u3001\u307e\u305a\u306f\u3069\u3046\u3044\u3063\u305f\u5834\u5408\u306b\u4e00\u90e8\u8fd4\u6e08\u3092\u6c42\u3081\u3089\u308c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u306e\u304b\u3092\u77e5\u3063\u3066\u304a\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u672c\u7ae0\u3067\u306f\u3001<\/p>\n<ul>\n<li><strong>\u4f7f\u3044\u3059\u304e\u308b\u3068\u62c5\u4fdd\u5272\u308c\u30ea\u30b9\u30af\u304c\u767a\u751f\u3057\u3084\u3059\u3044<\/strong><\/li>\n<li><strong>\u62c5\u4fdd\u5272\u308c\u30ea\u30b9\u30af\u3092\u767a\u751f\u3055\u305b\u306a\u3044\u4f7f\u3044\u65b9<\/strong><\/li>\n<\/ul>\n<p>\u306e\uff12\u70b9\u306b\u3064\u3044\u3066\u304a\u4f1d\u3048\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<h3><span id=\"3-1\">3-1. \u4f7f\u3044\u3059\u304e\u308b\u3068\u62c5\u4fdd\u5272\u308c\u30ea\u30b9\u30af\u304c\u767a\u751f\u3057\u3084\u3059\u3044<\/span><\/h3>\n<p><strong>\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3067\u8abf\u9054\u3057\u305f\u8cc7\u91d1\u3092\u4f7f\u3044\u3059\u304e\u308b\u3068\u3001\u62c5\u4fdd\u5272\u308c\u30ea\u30b9\u30af\u304c\u767a\u751f\u3057\u3084\u3059\u304f\u306a\u3063\u3066\u3057\u307e\u3044\u307e\u3059<\/strong>\u3002<\/p>\n<p>\u62c5\u4fdd\u5272\u308c\u30ea\u30b9\u30af\u3068\u306f\u3001\u62c5\u4fdd\u306b\u3057\u305f\u30de\u30f3\u30b7\u30e7\u30f3\u306e\u62c5\u4fdd\u8a55\u4fa1\u984d\u304c\u898b\u76f4\u3055\u308c\u305f\u7d50\u679c\u3001\u5229\u7528\u53ef\u80fd\u67a0\u3082\u6e1b\u984d\u3055\u308c\u308b\u3053\u3068\u306b\u306a\u3063\u3066\u3057\u307e\u3044\u3001<span style=\"font-size: 16px; color: #333333;\"><strong>\u898b\u76f4\u3055\u308c\u305f\u5f8c\u306e\u5229\u7528\u53ef\u80fd\u67a0\u4ee5\u4e0a\u306b\u304a\u91d1\u3092\u4f7f\u3063\u3066\u3057\u307e\u3063\u3066\u3044\u305f\u3089\u8d85\u904e\u5206\u306e\u8fd4\u6e08\uff08<\/strong><\/span><strong><span style=\"font-size: 16px; color: #ff0000;\"><strong>\u4e00\u90e8\u8fd4\u6e08<\/strong><\/span><\/strong><span style=\"font-size: 16px; color: #333333;\"><strong>\uff09\u3092\u6c42\u3081\u3089\u308c\u308b\u3068\u3044\u3046\u30ea\u30b9\u30af<\/strong>\u3067\u3059\u3002<\/span>\u00a0<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/fpbank.co.jp\/column\/wp-content\/uploads\/2021\/11\/reverse-mortgage-risk1-1636779804.png\" class=\"fr-fic fr-dib fr-draggable aligncenter\" alt=\"\u62c5\u4fdd\u5272\u308c\u30ea\u30b9\u30af\u306e\u6982\u8981\" \/><\/p>\n<p>\u898b\u76f4\u3057\u81ea\u4f53\u306f\u591a\u304f\u306e\u91d1\u878d\u6a5f\u95a2\u3067\u5e74\uff11\u56de\u884c\u308f\u308c\u307e\u3059\u304c\u3001<strong><span style=\"color: #ff0000;\">\u624b\u5143\u306b\u8cc7\u91d1\u304c\u306a\u3044\u72b6\u614b\u3067\u4e00\u90e8\u8fd4\u6e08\u3059\u308b\u3053\u3068\u306b\u306a\u3063\u305f\u3089\u5927\u5909<\/span><\/strong>\u3067\u3059\u3002<\/p>\n<p>\u81ea\u5206\u305f\u3061\u3067\u7528\u610f\u3067\u304d\u308c\u3070\u307e\u3060\u3044\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u6700\u60aa\u306e\u5834\u5408\u3001\u5bb6\u65cf\u306b\u8ff7\u60d1\u304c\u304b\u304b\u308b\u3053\u3068\u306b\u306a\u3063\u3066\u3057\u307e\u3044\u304b\u306d\u307e\u305b\u3093\u3002\u305d\u308c\u3092\u9632\u3050\u305f\u3081\u306b\u3082\u3001\u5229\u7528\u53ef\u80fd\u67a0\u306e\u7ba1\u7406\u306f\u614e\u91cd\u306b\u884c\u3046\u3079\u304d\u3067\u3057\u3087\u3046\u3002<\/p>\n<p><strong>\u3053\u306e\u30ea\u30b9\u30af\u306f\u6238\u5efa\u3066\u3082\u30de\u30f3\u30b7\u30e7\u30f3\u3082\u540c\u3058\u3088\u3046\u306b\u3042\u308a\u307e\u3059<\/strong>\u3002<br \/>\n\u3057\u304b\u3057\u5192\u982d\u3067\u8ff0\u3079\u305f\u3088\u3046\u306b\u3001<strong><span style=\"color: #0000ff;\">\u305d\u3082\u305d\u3082\u8abf\u9054\u3067\u304d\u308b\u8cc7\u91d1\u304c\u5c11\u306a\u3044\u3068\u3001\u3053\u306e\u30ea\u30b9\u30af\u304c\u767a\u751f\u3059\u308b\u53ef\u80fd\u6027\u304c\u9ad8\u304f\u306a\u3063\u3066\u3057\u307e\u3046\u3068\u8a00\u3048\u307e\u3059<\/span><\/strong>\u3002<\/p>\n<p>\u3060\u304b\u3089\u3053\u305d\u3001\u30de\u30f3\u30b7\u30e7\u30f3\u3092\u62c5\u4fdd\u306b\u3057\u305f\u5834\u5408\u306f\u6238\u5efa\u3066\u4ee5\u4e0a\u306b\u3001\u8abf\u9054\u3057\u305f\u8cc7\u91d1\u306e\u8a08\u753b\u7684\u306a\u5229\u7528\u304c\u5fc5\u9808\u306a\u306e\u3067\u3059\u3002<\/p>\n<h3><span id=\"3-2\">3-2. \u62c5\u4fdd\u5272\u308c\u30ea\u30b9\u30af\u3092\u767a\u751f\u3055\u305b\u306a\u3044\u4f7f\u3044\u65b9\u3092\u3057\u3088\u3046<\/span><\/h3>\n<p>\u3067\u306f\u3001\u62c5\u4fdd\u5272\u308c\u30ea\u30b9\u30af\u3092\u767a\u751f\u3055\u305b\u306a\u3044\u3088\u3046\u306a\u4f7f\u3044\u65b9\u306e\u4f8b\u3092\u307f\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u62c5\u4fdd\u5272\u308c\u30ea\u30b9\u30af\u306f\u3001\u62c5\u4fdd\u8a55\u4fa1\u984d\u306e\u898b\u76f4\u3057\u306b\u3088\u3063\u3066\u5229\u7528\u53ef\u80fd\u67a0\u304c\u6e1b\u3063\u305f\u6642\u306b\u3001\u5229\u7528\u53ef\u80fd\u67a0\u3092\u4f7f\u3044\u5207\u3063\u3066\u3044\u305f\u3089\u767a\u751f\u3057\u307e\u3059\u3002\u3064\u307e\u308a\u3001<strong><span style=\"color: #ff0000;\">\u5229\u7528\u53ef\u80fd\u67a0\u3092\u5168\u984d\u4f7f\u3044\u5207\u308b\u3053\u3068\u304c\u306a\u3044\u3088\u3046\u306b\u3059\u308c\u3070\u3001\u3053\u306e\u30ea\u30b9\u30af\u3092\u56de\u907f\u3067\u304d\u308b<\/span><\/strong>\u3068\u8003\u3048\u3089\u308c\u307e\u3059\u3002<\/p>\n<p>\u305d\u3046\u306a\u308b\u3068\u3001<strong>\u4e00\u5ea6\u306b\u5927\u304d\u306a\u91d1\u984d\u3092\u5fc5\u8981\u3068\u3059\u308b\u4f7f\u3044\u65b9\u3067\u306f\u306a\u304f\u3001\u5c11\u3057\u305a\u3064\u51fa\u3057\u3066\u3044\u304f\u3088\u3046\u306a\u4f7f\u3044\u65b9\u304c\u5411\u3044\u3066\u3044\u308b\u3068\u8a00\u3048\u308b<\/strong>\u306e\u3067\u306f\u306a\u3044\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n<p>\u4e00\u5ea6\u306b\u5927\u304d\u306a\u91d1\u984d\u3092\u5fc5\u8981\u3068\u3059\u308b\u4f7f\u3044\u65b9\u3068\u3044\u3046\u3068\u3001\u4f8b\u3048\u3070\u3001\u4f4f\u5b85\u30ea\u30d5\u30a9\u30fc\u30e0\u3001\u30ed\u30fc\u30f3\u306e\u501f\u63db\u3001\u8001\u4eba\u30db\u30fc\u30e0\u306e\u5165\u5c45\u4e00\u6642\u91d1\u306a\u3069\u304c\u6319\u3052\u3089\u308c\u307e\u3059\u3002<\/p>\n<p><strong>\u5c11\u3057\u305a\u3064\u51fa\u3057\u3066\u3044\u304f\u4f7f\u3044\u65b9\u306f\u3001\u751f\u6d3b\u8cc7\u91d1\u3084\u533b\u7642\u8cbb\u30fb\u4ecb\u8b77\u8cbb\u306a\u3069\u304c\u6319\u3052\u3089\u308c\u307e\u3059<\/strong>\u3002<br \/>\n\u751f\u6d3b\u8cc7\u91d1\u306f<span style=\"font-size: 16px; color: #333333;\">\u5e74\u91d1\u3060\u3051\u3067\u306f\u8db3\u308a\u306a\u3044\u5206\u306e\u88dc\u586b\u3068\u3057\u3001\u533b\u7642\u8cbb\u30fb\u4ecb\u8b77\u8cbb\u306f\u305d\u306e\u6642\u304c\u6765\u305f\u3089\u3044\u3064\u3067\u3082\u5f15\u304d\u51fa\u305b\u308b\u72b6\u614b\u3092\u4f5c\u3063\u3066\u304a\u304f\u3053\u3068\u306b\u4f7f\u3048\u308b\u3067\u3057\u3087\u3046\u3002<\/span><\/p>\n<p><strong><span style=\"color: #ff0000;\">\u5b9f\u969b\u306b\u5229\u7528\u8a08\u753b\u3092\u7acb\u3066\u308b\u969b\u306f\u3001\u81ea\u5206\u305f\u3061\u306e\u751f\u6d3b\u8cbb\u304c\u3069\u308c\u304f\u3089\u3044\u304b\u3001\u5229\u7528\u53ef\u80fd\u67a0\u306f\u3044\u304f\u3089\u306b\u306a\u3063\u305f\u304b\u3001\u3068\u3044\u3063\u305f\u8981\u7d20\u3092\u8e0f\u307e\u3048\u3066\u7dcf\u5408\u7684\u306b\u8003\u3048\u308b<\/span><\/strong>\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u306e\u969b\u306f\u3001\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u7533\u3057\u8fbc\u3093\u3060\u91d1\u878d\u6a5f\u95a2\u306e\u62c5\u5f53\u8005\u3084\u304a\u91d1\u306e\u5c02\u9580\u5bb6\u3067\u3042\u308b\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30f3\u30ca\u30fc\u306b\u76f8\u8ac7\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<p><a href=\"https:\/\/fpbank.co.jp\/fpguide\/merit-demerit\/\" target=\"_blank\" rel=\"noopener\">\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30f3\u30ca\u30fc\u76f8\u8ac7\u306e\u30e1\u30ea\u30c3\u30c8\u30fb\u30c7\u30e1\u30ea\u30c3\u30c8<\/a><\/p>\n<h2><span id=\"i-4\">\uff14. \u30de\u30f3\u30b7\u30e7\u30f3\u3067\u3082\u5229\u7528\u3067\u304d\u308b\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u5546\u54c1\u4f8b\uff14\u3064<\/span><\/h2>\n<p>\u3067\u306f\u3001\u5b9f\u969b\u306b\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u3082\u5229\u7528\u3067\u304d\u308b\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u3001\u3069\u306e\u3088\u3046\u306a\u5546\u54c1\u5185\u5bb9\u306b\u306a\u3063\u3066\u3044\u308b\u304b\u78ba\u8a8d\u3057\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u672c\u7ae0\u3067\u306f\u3001\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u3082\u5229\u7528\u3067\u304d\u308b\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u304b\u3089\u4ee5\u4e0b\u306e\uff14\u3064\u3092\u6bd4\u8f03\u3057\u307e\u3057\u305f\u3002\uff08\u305d\u308c\u305e\u308c\u30ea\u30f3\u30af\u3042\u308a\uff09<\/p>\n<ul>\n<li><a href=\"https:\/\/www.tokyostarbank.co.jp\/products\/loan\/reverse_mortgage\/\" target=\"_blank\" rel=\"noopener\"><strong>\u6771\u4eac\u30b9\u30bf\u30fc\u9280\u884c\u300c\u5145\u5b9f\u4eba\u751f\u300d<\/strong><\/a><\/li>\n<li><a href=\"https:\/\/www.mizuhobank.co.jp\/retail\/products\/loan\/reverse_mortgage\/index.html\" target=\"_blank\" rel=\"noopener\"><strong>\u307f\u305a\u307b\u9280\u884c\u300c\u307f\u305a\u307b\u30d7\u30e9\u30a4\u30e0\u30a8\u30a4\u30b8\u300d<\/strong><\/a><\/li>\n<li><a href=\"https:\/\/www.rakuten-bank.co.jp\/loan\/reverse-mortgage\/\" target=\"_blank\" rel=\"noopener\"><strong>\u697d\u5929\u9280\u884c\u300c\u697d\u5929\u9280\u884c\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u300d<\/strong><\/a><\/li>\n<li><a href=\"https:\/\/www.jhf.go.jp\/loan\/yushi\/info\/yushihoken_revmo\/index.html\" target=\"_blank\" rel=\"noopener\"><strong>\u4f4f\u5b85\u91d1\u878d\u652f\u63f4\u6a5f\u69cb\u300c\u30ea\u30fb\u30d0\u30fc\u30b960\u300d<\/strong><\/a><\/li>\n<\/ul>\n<p><img decoding=\"async\" src=\"https:\/\/fpbank.co.jp\/column\/wp-content\/uploads\/2021\/11\/reverse-mortgage-comparison-1637220275.png\" class=\"fr-fic fr-dib fr-draggable aligncenter\" alt=\"\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u3082\u4f7f\u3048\u308b\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u5546\u54c1\u306e\u6bd4\u8f03\" \/><\/p>\n<p>\u3053\u306e\u8868\u3067\u53d6\u308a\u4e0a\u3052\u3066\u3044\u308b\u9805\u76ee\u306f\u3001\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u691c\u8a0e\u3059\u308b\u4e0a\u3067\u53ef\u80fd\u306a\u9650\u308a\u6bd4\u8f03\u3057\u3066\u307b\u3057\u3044\u3082\u306e\u3067\u3059\u3002\u305d\u3057\u3066\u3055\u3089\u306b\u3001<strong>\u305d\u306e\u4e2d\u3067\u3082\u5927\u4e8b\u306a\u3082\u306e\u306f<\/strong><strong><span style=\"color: #ff0000;\">\u8d64\u67a0<\/span>\u3067\u56f2\u3044\u307e\u3057\u305f<\/strong>\u3002<\/p>\n<p>\u3053\u308c\u3089\u3092\u8e0f\u307e\u3048\u306a\u304c\u3089\u89e3\u8aac\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<h3><span id=\"4-1\">4-1. \u6771\u4eac\u30b9\u30bf\u30fc\u9280\u884c\u300c\u5145\u5b9f\u4eba\u751f\u300d<\/span><\/h3>\n<p>\u6771\u4eac\u30b9\u30bf\u30fc\u9280\u884c\u306e\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u300c\u5145\u5b9f\u4eba\u751f\u300d\u306f\u3001<span style=\"font-size: 16px; color: #333333;\">\u672c\u8a18\u4e8b\u306e\u30c6\u30fc\u30de\u3067\u3042\u308b\u30de\u30f3\u30b7\u30e7\u30f3\u306b\u7126\u70b9\u3092\u5f53\u3066\u3066\u8003\u3048\u3066\u307f\u305f\u5834\u5408\u3001<span style=\"font-size: 16px; color: #333333;\"><strong>\u4eca\u56de\u53d6\u308a\u4e0a\u3052\u305f\uff14\u3064\u306e\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u3046\u3061\u3067\u306f\u3001\u6700\u3082\u30de\u30f3\u30b7\u30e7\u30f3\u3092\u62c5\u4fdd\u306b\u3057\u3066\u501f\u308a\u3084\u3059\u3044\u306e\u3067\u306f\u306a\u3044\u304b<\/strong>\u3068\u601d\u308f\u308c\u307e\u3059\u3002<\/span><\/span><\/p>\n<p>\u305d\u306e\u7406\u7531\u306f\u3001<strong><span style=\"color: #ff0000;\">\u62c5\u4fdd\u306b\u3069\u306e\u304f\u3089\u3044\u306e\u8a55\u4fa1\u984d\u304c\u5fc5\u8981\u304b\u3068\u3044\u3046\u70b9\u306b\u304a\u3044\u3066\u3001\u6761\u4ef6\u304c\u5224\u660e\u3057\u3066\u3044\u308b\u3082\u306e\u306e\u4e2d\u3067\u306f\u4e00\u756a\u57fa\u6e96\u304c\u4f4e\u3044<\/span><\/strong>\u304b\u3089\u3067\u3059\u3002<\/p>\n<ul>\n<li><span class=\"f-marker-p\"><strong>\u6771\u4eac\u30b9\u30bf\u30fc\u9280\u884c\uff1a\uff12\u5343\u4e07\u5186\u4ee5\u4e0a\uff08\u5229\u6255\u3044\u3042\u308a\u578b\uff09<\/strong><\/span>\u3001\uff13\u5343\u4e07\u5186\u4ee5\u4e0a\uff08\u5229\u6255\u3044\u306a\u3057\u578b\uff09<\/li>\n<li>\u307f\u305a\u307b\u9280\u884c\uff1a\uff15\u5343\u4e07\u5186\u4ee5\u4e0a<\/li>\n<li>\u697d\u5929\u9280\u884c\uff1a\u4e0d\u660e<\/li>\n<li>\u4f4f\u5b85\u91d1\u878d\u652f\u63f4\u6a5f\u69cb\uff1a\u53d6\u6271\u3044\u91d1\u878d\u6a5f\u95a2\u306b\u3088\u308b<\/li>\n<\/ul>\n<p>2\u7ae0\u3067\u304a\u4f1d\u3048\u3057\u305f\u3088\u3046\u306b\u3001\u30de\u30f3\u30b7\u30e7\u30f3\u306e\u5be9\u67fb\u3067\u306f\u6240\u5728\u5730\u3068\u7bc9\u5e74\u6570\u3068\u4e2d\u53e4\u4fa1\u683c\uff08\u5e02\u5834\u4fa1\u5024\uff09\u304c\u91cd\u8996\u3055\u308c\u307e\u3059\u3002\u6771\u4eac\u30b9\u30bf\u30fc\u9280\u884c\u306e\u5834\u5408\u3082\u540c\u69d8\u3068\u3059\u308c\u3070\u3001\u3053\u306e\u6761\u4ef6\u3055\u3048\u30af\u30ea\u30a2\u3067\u304d\u308c\u3070\u878d\u8cc7\u307e\u3067\u306e\u30cf\u30fc\u30c9\u30eb\u306f\u6bd4\u8f03\u7684\u4f4e\u3044\u3068\u8a00\u3048\u308b\u306e\u3067\u306f\u306a\u3044\u3067\u3057\u3087\u3046\u304b\u3002<br \/>\n\u30de\u30f3\u30b7\u30e7\u30f3\u3067\u3082\u4f7f\u3048\u308b\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u63a2\u3057\u3066\u3044\u308b\u3068\u3044\u3046\u6642\u306b\u306f\u3001\u9078\u629e\u80a2\u306b\u542b\u3081\u3066\u307f\u308b\u3079\u304d\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>\u4ed6\u3001\u672c\u5546\u54c1\u3067\u7279\u5fb4\u3068\u3044\u3048\u308b\u3068\u3053\u308d\u306f\uff12\u70b9\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\uff11\u3064\u76ee\u306f\u5e74\u9f62\u306e\u6761\u4ef6\u306f\u3042\u308b\u3082\u306e\u306e\u3001\u5229\u606f\u306e\u652f\u6255\u3044\u3092\u6bce\u6708\u884c\u3046\u304b\u3001\u6bce\u6708\u306e\u652f\u6255\u3044\u306f\u3057\u306a\u3044\u3067\u5143\u91d1\u8fd4\u6e08\u6642\u306b\u4e00\u62ec\u3067\u884c\u3046\u304b\u3092\u9078\u3079\u308b\u70b9\u3067\u3059\u3002\u4ed6\u306e\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u4e00\u65b9\u3057\u304b\u3067\u304d\u306a\u3044\u306e\u3067\u3001\uff11\u3064\u306e\u5546\u54c1\u5185\u3067\u3069\u3061\u3089\u304b\u9078\u3079\u308b\u306e\u306f\u5f37\u307f\u3068\u8a00\u3048\u307e\u3059\u3002<\/p>\n<p>\uff12\u3064\u76ee\u306f<span style=\"font-size: 16px; color: #ff0000;\"><strong>\u5143\u91d1\u8fd4\u6e08\u306e\u6642\u306b\u73fe\u91d1\u3067\u5168\u984d\u8fd4\u3057\u5207\u308c\u306a\u304b\u3063\u305f\u5834\u5408\u3001\u4ee3\u7269\u5f01\u6e08\u3092\u8a8d\u3081\u3066\u3082\u3089\u3048\u308c\u3070\u3001\u76f8\u7d9a\u4eba\u304c\u8fd4\u6e08\u7fa9\u52d9\u3092\u8ca0\u308f\u306a\u304f\u3066\u6e08\u3080<\/strong><\/span><span style=\"font-size: 16px; color: #333333;\">\u3053\u3068\u3067\u3059\u3002\u3053\u306e\u4ee3\u7269\u5f01\u6e08\u3068\u306f\u3001\u62c5\u4fdd\u4e0d\u52d5\u7523\u3092\u540c\u884c\u306b\u5f15\u304d\u6e21\u3059\u3001\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u3002<\/span><\/p>\n<p>\u4e00\u822c\u7684\u306b\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u8fd4\u6e08\u65b9\u6cd5\u306f\u73fe\u91d1\u4e00\u62ec\u6255\u3044\u304c\u57fa\u672c\u3067\u3042\u308a\u3001\u73fe\u91d1\u3067\u8fd4\u3057\u304d\u308c\u306a\u3051\u308c\u3070\u62c5\u4fdd\u4e0d\u52d5\u7523\u3092\u81ea\u5206\u3067\u58f2\u5374\u3057\u3001\u305d\u308c\u3067\u3082\u8fd4\u3057\u5207\u308c\u306a\u3044\u3068\u76f8\u7d9a\u4eba\u304c\u8fd4\u6e08\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3068\u3044\u3046\u30ea\u30b9\u30af\u304c\u3042\u308a\u307e\u3059\u3002\u3057\u304b\u3057\u8fd1\u5e74\u3001\u8fd4\u3057\u5207\u308c\u306a\u304f\u3066\u3082\u76f8\u7d9a\u4eba\u306b\u8fd4\u6e08\u7fa9\u52d9\u304c\u767a\u751f\u3057\u306a\u3044<strong>\u300c\u30ce\u30f3\u30ea\u30b3\u30fc\u30b9\u578b\u300d<\/strong>\u3068\u3044\u3046\u4ed5\u7d44\u307f\u304c\u3067\u304d\u305f\u3053\u3068\u3067\u3001\u3053\u306e\u70b9\u306f\u6539\u5584\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p><strong>\u540c\u884c\u306e\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u300c\u30ce\u30f3\u30ea\u30b3\u30fc\u30b9\u578b\u300d\u3068\u3044\u3046\u8a33\u3067\u306f\u306a\u3044\u306e\u3067\u3059\u304c\u3001\u4ee3\u7269\u5f01\u6e08\u304c\u305d\u306e\u6a5f\u80fd\u3092\u679c\u305f\u3057\u3066\u3044\u308b\u306e\u3067\u3001\u5b9f\u8cea\u7684\u306b\u306f\u30ce\u30f3\u30ea\u30b3\u30fc\u30b9\u578b\u3068\u8a00\u3048\u308b<\/strong>\u3068\u8003\u3048\u3089\u308c\u307e\u3059\u3002<br \/>\n<span style=\"font-size: 16px; color: #333333;\">\u4f8b\u3048\u3070\u3001\u878d\u8cc7\u984d2,000\u4e07\u5186\u306b\u5bfe\u3057\u3066\u62c5\u4fdd\u4e0d\u52d5\u7523\u304c1,000\u4e07\u5186\u3067\u3057\u304b\u58f2\u308c\u306a\u304b\u3063\u305f\u5834\u5408\u3001\u4ee3\u7269\u5f01\u6e08\u306b\u3057\u3066\u3057\u3044\u308c\u3070\u4e0d\u8db3\u3059\u308b1,000\u4e07\u5186\u3092\u652f\u6255\u3046\u5fc5\u8981\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/span>\u00a0<\/p>\n<p>\u305f\u3060\u3057<strong><span style=\"color: #0000ff;\">\u4ee3\u7269\u5f01\u6e08\u3092\u9078\u3076\u3068\u5229\u76ca\u3092\u53d6\u308a\u640d\u306d\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3053\u3068\u306b\u306f\u6ce8\u610f\u304c\u5fc5\u8981<\/span><\/strong>\u3067\u3059\u3002<br \/>\n\u4f8b\u3048\u3070\u3001\u878d\u8cc7\u984d2,000\u4e07\u5186\u306b\u5bfe\u3057\u3066\u62c5\u4fdd\u4e0d\u52d5\u7523\u304c3,000\u4e07\u5186\u3067\u58f2\u308c\u305f\u5834\u5408\u3001\u4ee3\u7269\u5f01\u6e08\u306b\u3057\u3066\u3057\u307e\u3063\u3066\u3044\u308b\u3068\u5dee\u984d1,000\u4e07\u5186\u306f\u53d7\u3051\u53d6\u308b\u3053\u3068\u304c\u3067\u304d\u306a\u3044\u306e\u3067\u3059\u3002<\/p>\n<p>\u4ee3\u7269\u5f01\u6e08\u3092\u8a8d\u3081\u3066\u3082\u3089\u3048\u308b\u304b\u3069\u3046\u304b\u306f\u540c\u884c\u306e\u5224\u65ad\u6b21\u7b2c\u306b\u306a\u308a\u307e\u3059\u306e\u3067\u3001\u307e\u305a\u306f\u73fe\u91d1\u306b\u3088\u308b\u4e00\u62ec\u8fd4\u6e08\u3068\u4e0d\u52d5\u7523\u306e\u81ea\u5df1\u58f2\u5374\u3067\u8003\u3048\u3066\u304a\u304f\u3088\u3046\u306b\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3><span id=\"4-2\">4-2. \u307f\u305a\u307b\u9280\u884c\u300c\u307f\u305a\u307b\u30d7\u30e9\u30a4\u30e0\u30a8\u30a4\u30b8\u300d<\/span><\/h3>\n<p>\u307f\u305a\u307b\u9280\u884c\u3067\u7533\u3057\u8fbc\u3081\u308b\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u300c\u307f\u305a\u307b\u30d7\u30e9\u30a4\u30e0\u30a8\u30a4\u30b8\u300d\u3068\u300c\u307f\u305a\u307b\u30ea\uff65\u30d0\u30fc\u30b960\u300d\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u3053\u3053\u3067\u306f\u300c\u307f\u305a\u307b\u30d7\u30e9\u30a4\u30e0\u30a8\u30a4\u30b8\u300d\u306b\u3064\u3044\u3066\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<p>\u307f\u305a\u307b\u9280\u884c\u306f\uff13\u5927\u30e1\u30ac\u30d0\u30f3\u30af\u306e\u4e2d\u3067\u552f\u4e00\u3001\u30de\u30f3\u30b7\u30e7\u30f3\u3092\u62c5\u4fdd\u306b\u3067\u304d\u308b\u81ea\u793e\u958b\u767a\u306e\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u6301\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p><strong>\u7279\u5fb4\u306f\u3001\u8cc7\u91d1\u4f7f\u9014\u304c\u6c7a\u307e\u3063\u3066\u3044\u308b\u304b\u3069\u3046\u304b\u306b\u3088\u3063\u3066\u3001\u9069\u7528\u3055\u308c\u308b\u91d1\u5229\u304c\u5909\u308f\u308b\u3053\u3068<\/strong>\u3067\u3059\u3002<\/p>\n<p>\u30d5\u30ea\u30fc\u53e3\u306f\u8cc7\u91d1\u4f7f\u9014\u304c\u81ea\u7531\u3068\u306a\u3063\u3066\u304a\u308a\u3001\u501f\u5165\u6642\u70b9\u3067\u4f55\u306b\u4f7f\u3046\u304b\u3092\u6c7a\u3081\u3066\u304a\u304f\u5fc5\u8981\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u4e00\u65b9\u3001\u76ee\u7684\u53e3\u306f\u501f\u5165\u6642\u70b9\u3067\u4f55\u306b\u4f7f\u3046\u304b\u3092\u307f\u305a\u307b\u9280\u884c\u306b\u7533\u544a\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<blockquote>\n<p><span style=\"font-size: 16px; color: #333333;\">\uff12\uff0e\u76ee\u7684\u53e3<\/span><br \/>\n\u8001\u4eba\u30db\u30fc\u30e0\u3078\u306e\u5165\u5c45\u4fdd\u8a3c\u91d1\u3001\u81ea\u5b85\u8cfc\u5165\u8cc7\u91d1\u3001\u81ea\u5b85\u306e\u5897\u6539\u7bc9\u30fb\u6539\u88c5\u8cc7\u91d1\u3001\u5165\u9662\u30fb\u533b\u7642\u30fb\u4ecb\u8b77\u8cbb\u7528\u3001\u7d0d\u7a0e\u8cc7\u91d1\u7b49\u3001\u8cc7\u91d1\u4f7f\u9014\u304c\u3042\u3089\u304b\u3058\u3081\u78ba\u8a8d\u3067\u304d\u308b\u8cc7\u91d1<br \/>\n\uff08\u8cc7\u91d1\u4f7f\u9014\u304c\u5206\u304b\u308b\u8cc7\u6599\u3092\u3054\u63d0\u51fa\u3044\u305f\u3060\u304d\u3001\u307f\u305a\u307b\u9280\u884c\u304c\u8a8d\u3081\u308b\u5834\u5408\u306b\u9650\u308a\u307e\u3059\uff09<\/p>\n<p><span style=\"font-size: 12px;\">\uff08\u5f15\u7528\uff1a<a href=\"https:\/\/www.mizuhobank.co.jp\/retail\/products\/loan\/reverse_mortgage\/detail\/index.html\" target=\"_blank\" rel=\"noopener\">\u307f\u305a\u307b\u9280\u884c\u300c\u307f\u305a\u307b\u30d7\u30e9\u30a4\u30e0\u30a8\u30a4\u30b8\u300d\u3000\u5546\u54c1\u5185\u5bb9<\/a>\uff09<\/span><\/p><\/blockquote>\n<p>\u3053\u306e\u9055\u3044\u306b\u3088\u308a\u30012021\u5e7411\u6708\u6642\u70b9\u306e\u91d1\u5229\u306f\u305d\u308c\u305e\u308c\u3001\u30d5\u30ea\u30fc\u53e3\u3067\u306f3.475\uff05\u3001\u76ee\u7684\u53e3\u3067\u306f2.975\uff05\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u6ce8\u610f\u70b9\u306f\uff12\u3064\u3042\u308a\u307e\u3059\u3002<br \/>\n<span style=\"color: #ff0000;\"><strong>\uff11\u3064\u76ee\u306f\u3001\u30de\u30f3\u30b7\u30e7\u30f3\u3082\u53d6\u6271\u3044\u53ef\u80fd\u3068\u306a\u3063\u3066\u3044\u308b\u3082\u306e\u306e\u3001\u6761\u4ef6\u304c\u4ed6\u884c\u3088\u308a\u53b3\u3057\u3044\u3068\u601d\u308f\u308c\u308b\u3053\u3068<\/strong><\/span>\u3067\u3059\u3002\u540c\u884c\u306f\u62c5\u4fdd\u7269\u4ef6\u3092\u30de\u30f3\u30b7\u30e7\u30f3\u306b\u3059\u308b\u5834\u5408\u306e\u57fa\u6e96\u3092\u4ee5\u4e0b\u306e\u3088\u3046\u306b\u5b9a\u3081\u3066\u3044\u307e\u3059\u3002<\/p>\n<blockquote>\n<p>\uff1c\u62c5\u4fdd\u7269\u4ef6\u304c\u30de\u30f3\u30b7\u30e7\u30f3\u306e\u5834\u5408\uff1e<br \/>\n\u539f\u5247\u3001\u4ee5\u4e0b\u306e\u57fa\u6e96\u3092\u3059\u3079\u3066\u6e80\u305f\u3059\u7269\u4ef6\uff08*3\uff09\u3001\u3082\u3057\u304f\u306f\u5225\u9014\u6307\u5b9a\uff08\u307f\u305a\u307b\u9280\u884c\u6240\u5b9a\u306e\u65b9\u6cd5\u306b\u3088\u308a\u9078\u5b9a\uff09\u3059\u308b\u500b\u5225\u306e\u7269\u4ef6\u304c\u5bfe\u8c61\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n<ol>\n<li>\u304a\u5ba2\u3055\u307e\u306e\u5e74\u9f62\u304c100\u6b73\u306e\u6642\u70b9\u3067\u3001\u7bc9\u5e74\u657045\u5e74\u4ee5\u5185\u3068\u306a\u308b\u7269\u4ef6<\/li>\n<li>\u5c02\u6709\u9762\u7a4d\u304c50\u33a1\u4ee5\u4e0a\u306e\u7269\u4ef6<\/li>\n<li>\u3054\u81ea\u5b85\u306e\u8a55\u4fa1\u984d\uff08\u307f\u305a\u307b\u9280\u884c\u6240\u5b9a\u306e\u65b9\u6cd5\u306b\u3088\u308b\u8a55\u4fa1\uff09\u304c1\u576a\u5f53\u305f\u308a250\u4e07\u5186\u4ee5\u4e0a\u304b\u3064\u7dcf\u984d5,000\u4e07\u5186\u4ee5\u4e0a\u3068\u306a\u308b\u7269\u4ef6<\/li>\n<\/ol>\n<p><span style=\"font-size: 12px;\">\uff08\u5f15\u7528\uff1a<a href=\"https:\/\/www.mizuhobank.co.jp\/retail\/products\/loan\/reverse_mortgage\/detail\/index.html\" target=\"_blank\" rel=\"noopener\">\u307f\u305a\u307b\u9280\u884c\u300c\u307f\u305a\u307b\u30d7\u30e9\u30a4\u30e0\u30a8\u30a4\u30b8\u300d\u3000\u5546\u54c1\u5185\u5bb9<\/a>\uff09<\/span><\/p><\/blockquote>\n<p>\u7279\u306b\u300c1. \u304a\u5ba2\u69d8\u306e\u5e74\u9f62\u304c100\u6b73\u306e\u6642\u70b9\u3067\u3001\u7bc9\u5e74\u657045\u5e74\u4ee5\u5185\u3068\u306a\u308b\u7269\u4ef6\u300d\u3068\u306f\u300155\u6b73\u4ee5\u964d\u306b\u65b0\u7bc9\u3067\u8cfc\u5165\u3057\u305f\u3082\u306e\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u306e\u3067\u3001\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u5951\u7d04\u6642\u70b9\u3067\u7bc915\uff5e20\u5e74\u4ee5\u5185\u3068\u3044\u3046\u6761\u4ef6\u3088\u308a\u53b3\u3057\u3044\u3068\u8a00\u3048\u307e\u3059\u3002<\/p>\n<p><strong><span style=\"color: #ff0000;\">\uff12\u3064\u76ee\u306f\u3001\u672c\u5546\u54c1\u306f\u5143\u91d1<\/span><\/strong><span style=\"font-size: 16px; color: #ff0000;\"><strong>\u8fd4\u6e08\u306e\u969b\u306b\u62c5\u4fdd\u58f2\u5374\u984d\u304c\u5143\u91d1\u7dcf\u984d\u3092\u4e0b\u56de\u3063\u3066\u3057\u307e\u3063\u305f\u5834\u5408\u306b\u306f\u3001\u76f8\u7d9a\u4eba\u306b\u3088\u308b\u8fd4\u6e08\u304c\u5fc5\u8981\u3068\u306a\u308b<\/strong><strong>\u3053\u3068<\/strong><\/span><span style=\"font-size: 16px; color: #333333;\">\u3067\u3059\u3002<\/span><br \/>\n<span style=\"font-size: 16px; color: #333333;\">\u3057\u304b\u3057\u305d\u306e\u4e8b\u614b\u3092\u306a\u308b\u3079\u304f\u767a\u751f\u3055\u305b\u306a\u3044\u3088\u3046\u3001\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u5229\u7528\u8a08\u753b\u306b\u3064\u3044\u3066\u5951\u7d04\u8005\u3068\u5e74\uff11\u56de\u4ee5\u4e0a\u306e\u9762\u8ac7\u3092\u884c\u3046\u306a\u3069\u306e\u30b5\u30dd\u30fc\u30c8\u4f53\u5236\u3092\u6574\u3048\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>\u307e\u305f\u3001\u540c\u884c\u306f2021\u5e7410\u6708\u672b\u304b\u3089\u3001\u4f4f\u5b85\u91d1\u878d\u652f\u63f4\u6a5f\u69cb\u306e\u300c\u30ea\u30fb\u30d0\u30fc\u30b960\u300d\u3092\u3082\u3068\u306b\u3057\u305f\u300c\u307f\u305a\u307b\u30ea\u30fb\u30d0\u30fc\u30b960\u300d\u306e\u53d6\u6271\u3044\u3082\u958b\u59cb\u3057\u307e\u3057\u305f\u3002\u3053\u3061\u3089\u306f\u3001\u4e0a\u8a18\u306e\u6ce8\u610f\u70b9\u304c\u89e3\u6d88\u3067\u304d\u308b\u30ce\u30f3\u30ea\u30b3\u30fc\u30b9\u578b\u3068\u3044\u3046\u30bf\u30a4\u30d7\u3092\u7533\u3057\u8fbc\u3080\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u3067\u3059\u304c\u3001\u8cc7\u91d1\u4f7f\u9014\u304c\u4f4f\u5b85\u95a2\u9023\u306e\u307f\u306b\u9650\u5b9a\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u3092\u306f\u3058\u3081\u3068\u3057\u305f\u9055\u3044\u304c\u591a\u6570\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u540c\u884c\u3067\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u691c\u8a0e\u3059\u308b\u969b\u306f\u3001\u4e21\u65b9\u3092\u6bd4\u3079\u308b\u3088\u3046\u306b\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3><span id=\"4-3\">4-3. \u697d\u5929\u9280\u884c\u300c\u697d\u5929\u9280\u884c\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u300d<\/span><\/h3>\n<p>\u697d\u5929\u9280\u884c\u306e\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3067\u3042\u308b\u300c\u697d\u5929\u9280\u884c\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u300d\u306f\u3001\u4eca\u56de\u53d6\u308a\u4e0a\u3052\u305f\uff14\u3064\u306e\u5546\u54c1\u306e\u4e2d\u3067\u5bfe\u8c61\u8005\u5e74\u9f62\u304c\u6700\u3082\u82e5\u304f\u3001<strong>50\u6b73\u4ee5\u4e0a\u304b\u3089\u7533\u8fbc\u304c\u53ef\u80fd<\/strong>\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u4e00\u822c\u7684\u306b\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u5e74\u9f62\u304c\u82e5\u3044\u307b\u3069\u8abf\u9054\u3067\u304d\u308b\u91d1\u984d\u304c\u5c11\u306a\u3044\u3068\u3044\u3046\u5546\u54c1\u6027\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u3057\u304b\u3057<span style=\"font-size: 16px; color: #333333;\">\u7533\u8fbc\u306b\u3042\u305f\u3063\u3066\u306e\u5e74\u9f62\u57fa\u6e96\u304c\u4f4e\u3051\u308c\u3070\u3001\u7533\u8fbc\u3057\u3084\u3059\u3044\u3068\u3082\u8003\u3048\u3089\u308c\u307e\u3059\u3002\u305d\u3046\u306a\u308b\u3068<span style=\"font-size: 16px; color: #333333;\">\u300c\u5bb6\uff08\u4e0d\u52d5\u7523\uff09\u306f\u3042\u308b\u3051\u3069\u624b\u5143\u306b\u304a\u91d1\u304c\u306a\u3044\u300d\u3068\u3044\u3046\u4eba\u306b\u3068\u3063\u3066\u306f\u3001\u52a9\u3051\u306b\u306a\u308b\u3068\u8a00\u3048\u308b\u3067\u3057\u3087\u3046<\/span>\u3002<\/span><\/p>\n<p>\u307e\u305f\u3001\u672c\u5546\u54c1\u306e\u7279\u5fb4\u3068\u3057\u3066<strong>\u30ce\u30f3\u30ea\u30b3\u30fc\u30b9\u578b\u306e\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3067\u3042\u308b\u3053<\/strong>\u3068\u3082\u6319\u3052\u3089\u308c\u307e\u3059\u3002<br \/>\n<strong><span style=\"color: #0000ff;\">\u30ce\u30f3\u30ea\u30b3\u30fc\u30b9\u578b\u3068\u306f\u30013-1\u306b\u3082\u8a18\u8ff0\u3057\u307e\u3057\u305f\u304c\u3001\u5143\u91d1\u8fd4\u6e08\u306e\u969b\u306b\u62c5\u4fdd\u58f2\u5374\u984d\u304c\u5143\u91d1\u7dcf\u984d\u3092\u4e0b\u56de\u3063\u3066\u3057\u307e\u3063\u305f\u3068\u3057\u3066\u3082\u3001\u8db3\u308a\u306a\u304b\u3063\u305f\u5206\u306e\u8fd4\u6e08\u7fa9\u52d9\u304c\u76f8\u7d9a\u4eba\u306b\u767a\u751f\u3057\u306a\u3044\u3068\u3044\u3046\u3082\u306e<\/span><\/strong>\u3067\u3059\u3002<\/p>\n<p><strong><span style=\"color: #ff0000;\">\u6ce8\u610f\u70b9\u3092\u4e0a\u3052\u308b\u3068\u3057\u305f\u3089\u3001\u501f\u5165\u65b9\u6cd5\u304c\u4e00\u62ec\u306e\u307f\u3068\u306a\u3063\u3066\u3044\u308b\u3053\u3068<\/span><\/strong>\u3067\u3059\u3002<br \/>\n\u8cc7\u91d1\u306e\u4f7f\u3044\u9053\u306f\u81ea\u7531\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u304c\u3001\u501f\u5165\u306f\u4e00\u62ec\u3067\u884c\u308f\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u305f\u3081\u3001\u3042\u307e\u308a\u6df1\u304f\u8003\u3048\u305a\u4e0a\u9650\u3044\u3063\u3071\u3044\u306b\u501f\u308a\u308b\u3068\u4f7f\u3044\u3059\u304e\u3066\u3057\u307e\u3046\u53ef\u80fd\u6027\u304c\u8003\u3048\u3089\u308c\u307e\u3059\u3002\u305d\u3046\u3059\u308b\u3068\u30012\u7ae0\u3067\u53d6\u308a\u4e0a\u3052\u305f\u3088\u3046\u306a\u62c5\u4fdd\u5272\u308c\u306b\u3088\u308b\u4e00\u90e8\u8fd4\u6e08\u304c\u8d77\u3053\u3063\u3066\u3057\u307e\u3046\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<br \/>\n\u305d\u308c\u3092\u9632\u3050\u305f\u3081\u306b\u3082\u3001<strong>\u501f\u5165\u3092\u3059\u308b\u524d\u306b\u3001\u3069\u3093\u306a\u7528\u9014\u304b\u30fb\u3069\u306e\u304f\u3089\u3044\u4f7f\u3046\u304b\u306e\uff12\u70b9\u306f\u660e\u78ba\u306b\u3057\u3066\u304a\u304f\u3079\u304d<\/strong>\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<h3><span id=\"4-4_60\">4-4. \u4f4f\u5b85\u91d1\u878d\u652f\u63f4\u6a5f\u69cb\u300c\u30ea\u30fb\u30d0\u30fc\u30b960\u300d<\/span><\/h3>\n<p>\u4f4f\u5b85\u91d1\u878d\u652f\u63f4\u6a5f\u69cb\u306b\u3088\u3063\u3066\u63d0\u4f9b\u3055\u308c\u308b\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3067\u3042\u308b\u300c\u30ea\u30fb\u30d0\u30fc\u30b960\u300d\u306f\u3001\u6c11\u9593\u306e\u91d1\u878d\u6a5f\u95a2\u3067\u7533\u3057\u8fbc\u3081\u307e\u3059\u3002<\/p>\n<p><strong>\u7279\u5fb4\u306f\u3001\u7533\u3057\u8fbc\u307f\u5148\u306e\u91d1\u878d\u6a5f\u95a2\u306b\u3088\u3063\u3066\u5546\u54c1\u5185\u5bb9\u304c\u5909\u308f\u308b\u3053\u3068<\/strong>\u3067\u3059\u3002<\/p>\n<p>\u5229\u7528\u6761\u4ef6\u3084\u8cc7\u91d1\u4f7f\u9014\u306a\u3069\u306e\u57fa\u672c\u7684\u306a\u5546\u54c1\u5185\u5bb9\u306f\u300c\u30ea\u30fb\u30d0\u30fc\u30b960\u300d\u3068\u3057\u3066\u5171\u901a\u306a\u306e\u3067\u3059\u304c\u3001<strong><span style=\"color: #ff0000;\">\u91d1\u878d\u6a5f\u95a2\u306b\u3088\u3063\u3066<span style=\"font-size: 16px;\">\u5bfe\u8c61\u5e74\u9f62\u3084\u9069\u7528\u91d1\u5229\u304c\u7570\u306a\u308a\u3001\u3055\u3089\u306b<\/span>\u72ec\u81ea\u306e\u8981\u7d20\u304c\u52a0\u3048\u3089\u308c\u3066\u5dee\u5225\u5316\u304c\u56f3\u3089\u308c\u3066\u3044\u307e\u3059<\/span><\/strong>\u3002<br \/>\n\u203b\u30ea\u30fb\u30d0\u30fc\u30b960\u306e\u57fa\u672c\u7684\u306a\u5546\u54c1\u5185\u5bb9\u306b\u3064\u3044\u3066\u306f\u3001\u3053\u3061\u3089\u306e\u8a18\u4e8b\uff08<a href=\"https:\/\/fpbank.co.jp\/column\/jutaku-reverse60\" target=\"_blank\" rel=\"noopener\">\u300c\u6016\u3044\u300d\u3068\u3044\u308f\u308c\u308b\u30ea\u30fb\u30d0\u30fc\u30b960\u3002\u4ed5\u7d44\u307f\u3068\u30ea\u30b9\u30af\u3092\u7406\u89e3\u3059\u308c\u3070\u5927\u4e08\u592b<\/a>\uff09\u3067\u8a73\u3057\u304f\u89e3\u8aac\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u4f8b\u3048\u3070\u3001<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 17.7348%; text-align: center;\">\u91d1\u878d\u6a5f\u95a2<\/td>\n<td style=\"width: 27.0785%; text-align: center;\">\u5546\u54c1\u540d<\/td>\n<td style=\"width: 55.1866%; text-align: center;\">\u7279\u5fb4<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 17.7348%; text-align: center;\"><strong><span class=\"f-marker-w\">\u307f\u305a\u307b\u9280\u884c<\/span><\/strong><\/td>\n<td style=\"width: 27.0785%; text-align: center;\"><strong><span class=\"f-marker-w\">\u307f\u305a\u307b\u30ea\u30fb\u30d0\u30fc\u30b960<\/span><\/strong><\/td>\n<td style=\"width: 55.1866%;\">500\u4e07\u5186\u4ee5\u4e0a\u5229\u7528\u3059\u308b\u3068\u3001\uff12\u3064\u306e\u4fdd\u967a\uff08\u500b\u4eba\u8ce0\u511f\u8cac\u4efb\u4fdd\u967a\u30fb\u5f01\u8b77\u58eb\u8cbb\u7528\u88dc\u511f\u4fdd\u967a\uff09\u304c\u81ea\u52d5\u4ed8\u5e2f\u3002<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 17.7348%; text-align: center;\"><strong><span class=\"f-marker-p\">\u4e09\u83f1UFJ\u9280\u884c<\/span><\/strong><\/td>\n<td style=\"width: 27.0785%; text-align: center;\"><strong><span class=\"f-marker-p\">\u30ea\u30d0\u30fc\u30b9\u30fb\u30e2\u30fc\u30b2\u30fc\u30b8\u578b\u4f4f\u5b85\u95a2\u9023\u30ed\u30fc\u30f3<\/span><\/strong><\/td>\n<td style=\"width: 55.1866%;\">\u7528\u9014\u306b\u3088\u3063\u3066\u501f\u5165\u53ef\u80fd\u984d\u304c\u7570\u306a\u308b\u3002<br \/>\n\u2460\u30ea\u30d5\u30a9\u30fc\u30e0\u8cc7\u91d1\u3001\u30b5\u30fc\u30d3\u30b9\u4ed8\u304d\u9ad8\u9f62\u8005\u5411\u3051\u4f4f\u5b85\u306e\u5165\u5c45\u4e00\u6642\u91d1\u306e\u5834\u5408\u2192\u6700\u9ad81,500\u4e07\u5186\u307e\u3067<br \/>\n\u2461\u81ea\u5b85\u306e\u5efa\u8a2d\u30fb\u8cfc\u5165\u306e\u5834\u5408\u2192\u6700\u9ad85,000\u4e07\u5186\u307e\u3067<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 17.7348%; text-align: center;\"><strong><span class=\"f-marker-g\">\u4e09\u4e95\u4f4f\u53cb\u9280\u884c<\/span><\/strong><\/td>\n<td style=\"width: 27.0785%; text-align: center;\"><strong><span class=\"f-marker-g\">\u501f\u308a\u63db\u3048\u65b0\u6642\u4ee3<br \/>\n\u4f4f\u307f\u66ff\u3048\u65b0\u6642\u4ee3<\/span><\/strong><\/td>\n<td style=\"width: 55.1866%;\">50\u6b73\u304b\u3089\u7533\u8fbc\u53ef\u3002<br \/>\n\u5bfe\u8c61\u5730\u57df\u304c\u6bd4\u8f03\u7684\u5e83\u3044\u2192\u6771\u4eac\u90fd\u3001\u795e\u5948\u5ddd\u770c\u3001\u5343\u8449\u770c\u3001\u57fc\u7389\u770c\u3001\u611b\u77e5\u770c\u3001\u5927\u962a\u5e9c\u3001\u4eac\u90fd\u5e9c\u3001\u5175\u5eab\u770c\u3001\u6ecb\u8cc0\u770c\u5927\u6d25\u5e02\u30fb\u8349\u6d25\u5e02\u30fb\u5b88\u5c71\u5e02\u30fb\u6817\u6771\u5e02\u30fb\u91ce\u6d32\u5e02\u3001\u798f\u5ca1\u770c\u798f\u5ca1\u5e02<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u3068\u3044\u3063\u305f\u5177\u5408\u3067\u3059\u3002<\/p>\n<p class=\"\"><strong>\u6ce8\u610f\u70b9\u3068\u3057\u3066\u306f\u3001<span style=\"color: #ff0000;\">\u8cc7\u91d1\u4f7f\u9014\u304c<\/span><\/strong><strong><span style=\"color: #ff0000;\">\u4f4f\u5b85\u95a2\u9023\u306e\u307f\u3068\u306a\u3063\u3066\u3044\u308b\u70b9<\/span>\u304a\u3088\u3073<span style=\"color: #ff0000;\">\u5e74\u53ce\u5236\u9650\u304c\u3042\u308b\u70b9\u304c\u6319\u3052\u3089\u308c\u307e\u3059\u3002<br \/>\n<\/span><\/strong>\u3057\u304b\u3057\u30ce\u30f3\u30ea\u30b3\u30fc\u30b9\u578b\u304c\u9078\u3079\u308b\u305f\u3081\u3001\u76f8\u7d9a\u4eba\u306b\u8ca0\u62c5\u3092\u304b\u3051\u308b\u5fc3\u914d\u306a\u304f\u5229\u7528\u3067\u304d\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n<p><a href=\"https:\/\/fpbank.co.jp\/fpguide\/merit-demerit\/\" target=\"_blank\" rel=\"noopener\">\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30f3\u30ca\u30fc\u76f8\u8ac7\u306e\u30e1\u30ea\u30c3\u30c8\u30fb\u30c7\u30e1\u30ea\u30c3\u30c8<\/a><\/p>\n<h2><span id=\"i-5\">\uff15. 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