{"id":6903,"date":"2022-02-19T17:42:36","date_gmt":"2022-02-19T08:42:36","guid":{"rendered":"https:\/\/fpbank.co.jp\/column\/?p=6903"},"modified":"2022-07-16T09:38:01","modified_gmt":"2022-07-16T00:38:01","slug":"jutaku-my-home-down-payment","status":"publish","type":"post","link":"https:\/\/fpbank.co.jp\/column\/jutaku-my-home-down-payment","title":{"rendered":"\u30de\u30a4\u30db\u30fc\u30e0\u306e\u8cfc\u5165\u306b\u982d\u91d1\u306f\u3069\u306e\u304f\u3089\u3044\u5fc5\u8981\u306a\u306e\u304b\uff1f\u73fe\u5f79FP\u304c\u89e3\u8aac"},"content":{"rendered":"<p>\u300c\u982d\u91d1\u300d<\/p>\n<p>\u4f4f\u5b85\u8cfc\u5165\u3059\u308b\u3068\u304d\u306b\u5fc5\u8981\u306a\u3082\u306e\u3001\u3068\u3044\u3046\u8a8d\u8b58\u306f\u591a\u304f\u306e\u65b9\u304c\u304a\u6301\u3061\u3060\u3068\u601d\u3044\u307e\u3059\u3002\u982d\u91d1\u3068\u306f\u4f4f\u5b85\u8cfc\u5165\u306b\u3042\u305f\u308a\u3001\u81ea\u5df1\u8cc7\u91d1\u3067\u6255\u3046\u4f4f\u5b85\u306e\u672c\u4f53\u90e8\u5206\u306e\u91d1\u984d\u306e\u3053\u3068\u3092\u6307\u3057\u307e\u3059\u3002<\/p>\n<p><strong>\u5b9f\u306f\u982d\u91d1\u306f\uff10\u3067\u3082\u30de\u30a4\u30db\u30fc\u30e0\u306e\u8cfc\u5165\u306f\u53ef\u80fd\u3067\u3042\u308a\u3001\u982d\u91d1\u3092\u5165\u308c\u305a\u306b\u30de\u30a4\u30db\u30fc\u30e0\u3092\u8cfc\u5165\u3059\u308b\u30e1\u30ea\u30c3\u30c8\u3082\u8907\u6570\u5b58\u5728\u3057\u307e\u3059\u3002<\/strong><\/p>\n<p>\u3053\u306e\u30b3\u30e9\u30e0\u3067\u306f\u982d\u91d1\u304c\u5fc5\u8981\u3067\u306a\u3044\u7406\u7531\u306b\u52a0\u3048\u3001\u30de\u30a4\u30db\u30fc\u30e0\u306e\u8cfc\u5165\u6642\u306b\u3088\u304f\u3042\u308b\u7591\u554f\u70b9\u3092\u8cea\u554f\u96c6\u3068\u3044\u3046\u5f62\u3067\u307e\u3068\u3081\u307e\u3057\u305f\u3002<\/p>\n<p>\u982d\u91d1\u306b\u3064\u3044\u3066\u306e\u8ff7\u3044\u3084\u4e0d\u5b89\u304c\u306a\u304f\u306a\u308a\u3001\u697d\u3057\u304f\u4f4f\u5b85\u3092\u63a2\u3057\u3001\u7d50\u679c\u7684\u306b\u3088\u3044\u8cb7\u3044\u7269\u304c\u3067\u304d\u308b\u3088\u3046\u304a\u5f79\u7acb\u3061\u3067\u304d\u308c\u3070\u3068\u601d\u3044\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. \u982d\u91d1\uff10\u3067\u3082\u30de\u30a4\u30db\u30fc\u30e0\u3092\u8cfc\u5165\u3059\u308b\u3053\u3068\u306f\u53ef\u80fd<\/a><ul><li><a href=\"#1-1\">1-1.\u982d\u91d1\uff10\u3067\u3082\u30de\u30a4\u30db\u30fc\u30e0\u306f\u8cfc\u5165\u3067\u304d\u308b<\/a><\/li><li><a href=\"#1-2\">1-2.\u5168\u54e1\u304c\u982d\u91d1\uff10\u3067\u501f\u308a\u3089\u308c\u308b\u308f\u3051\u3067\u306f\u306a\u3044<\/a><\/li><li><a href=\"#1-3\">1-3.\u300c\uff11\uff5e\uff12\u5272\u306e\u982d\u91d1\u3092\u5165\u308c\u308b\u3079\u304d\u300d\u3068\u3044\u3046\u4e00\u822c\u8ad6\u306b\u60d1\u308f\u3055\u308c\u306a\u3044\u3088\u3046\u306b\u3057\u3088\u3046<\/a><\/li><\/ul><\/li><li><a href=\"#i-2\">\uff12. \u30de\u30a4\u30db\u30fc\u30e0\u3092\u8cb7\u3046\u305f\u3081\u306b\u982d\u91d1\u3092\u5165\u308c\u308b\u5fc5\u8981\u306f\u306a\u3044\u3068\u8a00\u3048\u308b\uff13\u3064\u306e\u7406\u7531<\/a><ul><li><a href=\"#2-1\">2-1. \u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u306e\u6069\u6075\u3092\u3088\u308a\u591a\u304f\u53d7\u3051\u3089\u308c\u308b<\/a><\/li><li><a href=\"#2-2\">2-2.\u624b\u5143\u306b\u6b8b\u3063\u305f\u304a\u91d1\u3092\u6709\u52b9\u6d3b\u7528\u3067\u304d\u308b<\/a><\/li><li><a href=\"#2-3\">2-3. \u56e3\u4f53\u4fe1\u7528\u751f\u547d\u4fdd\u967a\u306e\u91d1\u984d\u304c\u5897\u3048\u308b<\/a><\/li><\/ul><\/li><li><a href=\"#i-3\">\uff13. \u30de\u30a4\u30db\u30fc\u30e0\u8cfc\u5165\u306b\u3042\u305f\u3063\u3066\u982d\u91d1\uff10\u3067\u3044\u3044\u304b\u3069\u3046\u304b\u3092\u5224\u65ad\u3059\u308b\u305f\u3081\u306e\uff13\u3064\u306e\u30dd\u30a4\u30f3\u30c8<\/a><ul><li><a href=\"#3-1\">3-1. \u3044\u304f\u3089\u8caf\u91d1\u304c\u3042\u308b\u306e\u304b\u628a\u63e1\u3057\u3088\u3046<\/a><\/li><li><a href=\"#3-2\">3-2.\u8cfc\u5165\u5f8c\u3069\u3093\u306a\u30e9\u30a4\u30d5\u30a4\u30d9\u30f3\u30c8\u304c\u3042\u308b\u306e\u304b\u628a\u63e1\u3057\u3088\u3046<\/a><\/li><li><a href=\"#3-3\">3-3.\u8cfc\u5165\u5f8c\u306b\u304b\u304b\u308b\u4f4f\u5b85\u306e\u7dad\u6301\u8cbb\u3092\u628a\u63e1\u3057\u3088\u3046<\/a><\/li><\/ul><\/li><li><a href=\"#i-4\">\uff14. \u30de\u30a4\u30db\u30fc\u30e0\u8cfc\u5165\u6642\u306e\u982d\u91d1\u306b\u95a2\u3059\u308b\u3088\u304f\u3042\u308b\u8cea\u554f\u96c6<\/a><ul><li><a href=\"#4-1\">4-1. \u982d\u91d1\u306f\u3044\u3064\u6255\u3046\u306e\u304b\uff1f<\/a><\/li><li><a href=\"#4-2\">4-2. \u982d\u91d1\u3092\u63f4\u52a9\u3055\u308c\u305f\u5834\u5408\u306f\u3069\u3046\u3059\u308c\u3070\u3088\u3044\u304b\uff1f<\/a><\/li><li><a href=\"#4-3\">4-3. \u982d\u91d1\u306f\u3069\u3046\u3084\u3063\u3066\u8caf\u3081\u308b\uff1f<\/a><\/li><li><a href=\"#4-4\">4-4. \u8cfc\u5165\u3059\u308b\u4f4f\u5b85\u306b\u3088\u3063\u3066\u982d\u91d1\u3067\u6ce8\u610f\u3059\u308b\u3053\u3068\u304c\u3042\u308b\u304b\uff1f<\/a><\/li><\/ul><\/li><li><a href=\"#i-5\">\uff15. \u307e\u3068\u3081<\/a><\/li><\/ul><\/div>\n<h2><span id=\"i\">\uff11. \u982d\u91d1\uff10\u3067\u3082\u30de\u30a4\u30db\u30fc\u30e0\u3092\u8cfc\u5165\u3059\u308b\u3053\u3068\u306f\u53ef\u80fd<\/span><\/h2>\n<p>\u30de\u30a4\u30db\u30fc\u30e0\u8cfc\u5165\u306b\u3042\u305f\u3063\u3066\u3001\u4e00\u822c\u7684\u306b\u306f\u982d\u91d1\uff10\u3067\u3082\u4f4f\u5b85\u3092\u8cfc\u5165\u3059\u308b\u3053\u3068\u306f\u53ef\u80fd\u3067\u3042\u308a\u3001\u57fa\u672c\u7684\u306b\u306f\u304a\u52e7\u3081\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<h3><span id=\"1-1\">1-1.\u982d\u91d1\uff10\u3067\u3082\u30de\u30a4\u30db\u30fc\u30e0\u306f\u8cfc\u5165\u3067\u304d\u308b<\/span><\/h3>\n<p>\u982d\u91d1\uff10\u3067\u3082\u30de\u30a4\u30db\u30fc\u30e0\u306e\u8cfc\u5165\u306f\u53ef\u80fd\u3067\u3059\u30023,000\u4e07\u5186\u306e\u7269\u4ef6\u306b\u5bfe\u3057\u3066\u3001\u30ed\u30fc\u30f3\u306e\u501f\u5165\u91d1\u984d3,000\u4e07\u5186\u3068\u3044\u3046\u3088\u3046\u306a\u30ed\u30fc\u30f3\u5be9\u67fb\u3067\u3082\u554f\u984c\u306a\u304f\u901a\u308a\u307e\u3059\u3002<\/p>\n<p>\u306a\u305c\u306a\u3089<span style=\"font-size: 16px; color: #000000;\"><strong>\u91d1\u878d\u6a5f\u95a2\u306b\u3068\u3063\u3066\u306f\u4f4f\u5b85\u30ed\u30fc\u30f3\u306f\u5927\u304d\u306a\u53ce\u76ca\u6e90\u306e\uff11\u3064\u306a\u306e\u3067\u3001\u982d\u91d1\u304c\uff10\u306e\u65b9\u3067\u3082\u501f\u5165\u308c\u3092\u3057\u3066\u3082\u3089\u3044\u305f\u3044\u3068\u3044\u3046\u306e\u304c\u73fe\u72b6\u3060\u304b\u3089<\/strong>\u3067\u3059\u3002<\/span><\/p>\n<p>\u501f\u308a\u624b\u3068\u3057\u3066\u306f\u982d\u91d1\u3092\u7528\u610f\u3057\u306a\u304f\u3068\u3082\u30de\u30a4\u30db\u30fc\u30e0\u3092\u8cfc\u5165\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u306e\u3067\u3001\u501f\u308a\u3066\u307b\u3057\u3044\u91d1\u878d\u6a5f\u95a2\u3068\u3001\u982d\u91d1\uff10\u3067\u3082\u30de\u30a4\u30db\u30fc\u30e0\u3092\u8cfc\u5165\u3057\u305f\u3044\u501f\u308a\u624b\u306b\u3068\u3063\u3066win-win\u306e\u95a2\u4fc2\u6027\u3068\u8a00\u3048\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>\u91d1\u878d\u6a5f\u95a2\u306b\u3088\u3063\u3066\u306f100%\u306e\u878d\u8cc7\u304c\u53ef\u80fd\u306a\u3053\u3068\u3092\u3001\u30db\u30fc\u30e0\u30da\u30fc\u30b8\u306b\u660e\u8a18\u3057\u3066\u3044\u308b\u3068\u3053\u308d\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<h4><span style=\"color: #000000;\">\u4f8b\uff1a\u697d\u5929\u9280\u884c<\/span><\/h4>\n<p><img decoding=\"async\" src=\"https:\/\/fpbank.co.jp\/column\/wp-content\/uploads\/2022\/02\/Rakuten-bank-loan-1645257067.png\" class=\"fr-fic fr-dib fr-draggable\" alt=\"\u697d\u5929\u9280\u884c\u3000\u4f4f\u5b85\u30ed\u30fc\u30f3\u982d\u91d1\u306b\u3064\u3044\u3066\" \/><\/p>\n<p>\uff08\u51fa\u5178\uff1a<a href=\"https:\/\/www.rakuten-bank.co.jp\/home-loan\/beginners\/\" target=\"_blank\" rel=\"noopener\"><strong>\u697d\u5929\u9280\u884cHP<\/strong><\/a>\uff09<\/p>\n<h3><span id=\"1-2\">1-2.\u5168\u54e1\u304c\u982d\u91d1\uff10\u3067\u501f\u308a\u3089\u308c\u308b\u308f\u3051\u3067\u306f\u306a\u3044<\/span><\/h3>\n<p>\u982d\u91d1\uff10\u3067\u3082\u4f4f\u5b85\u30ed\u30fc\u30f3\u3092\u501f\u308a\u308b\u3053\u3068\u306f\u53ef\u80fd\u3067\u3059\u304c\u3001\u6b21\u306e\u3088\u3046\u306a\u7279\u6b8a\u306a\u4e8b\u60c5\u304c\u3042\u308c\u3070\u5be9\u67fb\u306e\u7d50\u679c\u304c\u5909\u308f\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/fpbank.co.jp\/column\/wp-content\/uploads\/2022\/02\/Pattern-that-full-loan-cannot-be-borrowed-1645248920.png\" class=\"fr-fic fr-dib fr-draggable\" alt=\"\u30d5\u30eb\u30ed\u30fc\u30f3\u306e\u501f\u5165\u304c\u96e3\u3057\u3044\u30d1\u30bf\u30fc\u30f3\" \/><\/p>\n<p>\u4e00\u3064\u305a\u3064\u7406\u7531\u3092\u898b\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<h4><span style=\"color: #000000;\">\u300c\u5e74\u53ce\u306b\u5bfe\u3057\u3066\u306e\u501f\u5165\u91d1\u984d\u304c\u591a\u3044\u5834\u5408\u300d<\/span><\/h4>\n<p>\u3053\u3061\u3089\u306f\u5bb9\u6613\u306b\u7406\u7531\u304c\u60f3\u50cf\u3067\u304d\u308b\u3067\u3057\u3087\u3046\u3002\u53ce\u5165\u306b\u5bfe\u3057\u3066\u501f\u5165\u91d1\u984d\u304c\u9069\u6b63\u306a\u7bc4\u56f2\u5185\u304b\u3069\u3046\u304b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u3053\u308c\u3092\u8fd4\u6e08\u6bd4\u7387\u3068\u8a00\u3044\u307e\u3059\u3002\u4e00\u822c\u7684\u306b\u306f\u8fd4\u6e08\u6bd4\u7387\uff08\u5e74\u9593\u8fd4\u6e08\u984d\u00f7\u5e74\u53ce\uff0930\uff05\uff5e35%\u304c\u76ee\u5b89\u3067\u3059\u3002\u5e74\u53ce\u304c500\u4e07\u5186\u306e\u5834\u5408\u306f\u5e74\u9593\u306e\u8fd4\u6e08\u984d\u304c150\u4e07\u5186\uff5e175\u4e07\u5186\u3068\u306a\u308a\u307e\u3059\u3002<br \/>\n<strong><span style=\"color: #ff0000;\">\u8fd4\u6e08\u6bd4\u7387\u3092\u8d85\u3048\u308b\u5834\u5408\u306f\u30ed\u30fc\u30f3\u306f\u7d44\u3081\u306a\u3044<\/span><\/strong>\u305f\u3081\u3001\u7269\u4ef6\u306e\u4e88\u7b97\u3092\u4e0b\u3052\u308b\u304b\u3001\u982d\u91d1\u3092\u5165\u308c\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u5171\u50cd\u304d\u306e\u5834\u5408\u306f\u592b\u5a66\u3067\u30ed\u30fc\u30f3\u3092\u7d44\u3080\u3053\u3068\u3082\u89e3\u6c7a\u7b56\u306e\u4e00\u3064\u3067\u3059\u3002<\/p>\n<h4><span style=\"color: #000000;\">\u300c\u72ec\u7acb\u3001\u8ee2\u80771\u5e74\u4ee5\u5185\u300d\u300c\u7523\u4f11\u3001\u80b2\u4f11\u4e2d\u300d\u300c\u975e\u6b63\u898f\u96c7\u7528\u300d<\/span><\/h4>\n<p>\u3053\u308c\u3089\u306e\u7406\u7531\u306f\u4f3c\u901a\u3063\u3066\u3044\u307e\u3059\u3002\u305d\u308c\u306f<strong>\u300c\u53ce\u5165\u306e\u518d\u73fe\u6027\u304c\u4f4e\u3044\u3053\u3068\u300d<\/strong>\u3067\u3059\u3002<br \/>\n\u4f8b\u3048\u3070\u72ec\u7acb1\u5e74\u4ee5\u5185\u3067\u3042\u308c\u3070\u5e74\u9593\u3092\u901a\u3057\u305f\u58f2\u308a\u4e0a\u3052\u3082\u672a\u78ba\u5b9a\u3001\u7523\u80b2\u4f11\u306e\u65b9\u306f\u305d\u306e\u307e\u307e\u5fa9\u5e30\u305b\u305a\u306b\u9000\u8077\u3068\u3044\u3046\u53ef\u80fd\u6027\u3082\u3042\u308a\u307e\u3059\u3002\u5fa9\u5e30\u3057\u3066\u3082\u6642\u77ed\u52e4\u52d9\u306a\u3069\u3067\u30d5\u30eb\u30bf\u30a4\u30e0\u306e\u53ce\u5165\u306b\u623b\u3089\u306a\u3044\u3053\u3068\u3082\u3042\u308b\u3067\u3057\u3087\u3046\u3002\u975e\u6b63\u898f\u96c7\u7528\u306f\u96c7\u7528\u304c\u7d99\u7d9a\u3057\u306a\u3044\u6050\u308c\u304c\u3042\u308a\u307e\u3059\u3002<br \/>\n\u5be9\u67fb\u3059\u308b\u5074\u306e\u8996\u70b9\u306b\u7acb\u3064\u3068\u3001\u4e0d\u78ba\u5b9a\u8981\u7d20\u306f\u53ef\u80fd\u306a\u9650\u308a\u907f\u3051\u305f\u3044\u3082\u306e\u3067\u3059\u3002\u3082\u3057\u3053\u306e\u3088\u3046\u306a\u30b1\u30fc\u30b9\u306b\u5f53\u3066\u306f\u307e\u308b\u5834\u5408\u306f\u8cfc\u5165\u3059\u308b\u6642\u671f\u3092\u305a\u3089\u3059\u3053\u3068\u3084\u6761\u4ef6\u306e\u7570\u306a\u308b\u914d\u5076\u8005\u3067\u30ed\u30fc\u30f3\u3092\u7d44\u3080\u3068\u3044\u3046\u9078\u629e\u80a2\u3082\u542b\u3081\u3066\u691c\u8a0e\u3057\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n<h4><span style=\"color: #000000;\">\u300c\u7269\u4ef6\u306e\u62c5\u4fdd\u8a55\u4fa1\u304c\u4f4e\u3044\u300d<\/span><\/h4>\n<p>\u4e07\u4e00\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u8fd4\u6e08\u304c\u3067\u304d\u306a\u304b\u3063\u305f\u5834\u5408\u306b\u5099\u3048\u3066\u3001\u9280\u884c\u306f\u4e0d\u52d5\u7523\u3092\u62c5\u4fdd\u306b\u3057\u307e\u3059\u3002\u305d\u306e\u62c5\u4fdd\u3059\u308b\u4e0d\u52d5\u7523\u306e\u8a55\u4fa1\u304c\u4f4e\u3044\u5834\u5408\u3001\u9280\u884c\u306f\u50b5\u52d9\u5206\u3092\u56de\u53ce\u3067\u304d\u306a\u3044\u6050\u308c\u304c\u3042\u308b\u305f\u3081\u3001\u6e80\u984d\u30ed\u30fc\u30f3\u3092\u501f\u308a\u3089\u308c\u306a\u3044\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<br \/>\n\u4f8b\u3048\u3070\u7bc9\u53e4\u306e\u7269\u4ef6\u3067\u5efa\u7269\u306e\u4fa1\u5024\u304c\u307b\u3068\u3093\u3069\u306a\u3044\u6238\u5efa\u3066\u306a\u3069\u306f\u62c5\u4fdd\u8a55\u4fa1\u304c\u4f4e\u304f\u306a\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u5834\u5408\u306f\u3001\u4ed6\u306e\u7269\u4ef6\u306b\u5909\u66f4\u3059\u308b\u3053\u3068\u3084\u501f\u308a\u308b\u9280\u884c\u3092\u5909\u3048\u3066\u307f\u308b\u3053\u3068\u3092\u691c\u8a0e\u3057\u307e\u3057\u3087\u3046\u3002\u91d1\u878d\u6a5f\u95a2\u306b\u3088\u3063\u3066\u306f\u5be9\u67fb\u304c\u7570\u306a\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<h3><span id=\"1-3\">1-3.\u300c\uff11\uff5e\uff12\u5272\u306e\u982d\u91d1\u3092\u5165\u308c\u308b\u3079\u304d\u300d\u3068\u3044\u3046\u4e00\u822c\u8ad6\u306b\u60d1\u308f\u3055\u308c\u306a\u3044\u3088\u3046\u306b\u3057\u3088\u3046<\/span><\/h3>\n<p>\u982d\u91d1\uff10\u3067\u3082\u30de\u30a4\u30db\u30fc\u30e0\u3092\u8cfc\u5165\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u304c\u3001\u982d\u91d1\u306f\u30de\u30a4\u30db\u30fc\u30e0\u8cfc\u5165\u7dcf\u984d\u306e\uff11\uff5e\uff12\u5272\u3092\u76ee\u5b89\u306b\u8003\u3048\u308b\u65b9\u3082\u4e00\u5b9a\u6570\u5b58\u5728\u3057\u307e\u3059\u3002\u305d\u306e\u3088\u3046\u306a\u4e00\u822c\u8ad6\u306b\u60d1\u308f\u3055\u308c\u306a\u3044\u3088\u3046\u306b\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u306a\u305c\u306a\u3089\u982d\u91d1\u3092\uff10\u3067\u30ed\u30fc\u30f3\u3092\u7d44\u3093\u3060\u65b9\u304c\u3088\u3044\u7406\u7531\u304c\u3042\u308b\u304b\u3089\u3067\u3059\u3002\uff08\uff12\u7ae0\u306b\u8a18\u8f09\u3057\u307e\u3059\u3002\uff09<\/p>\n<p>\u3061\u306a\u307f\u306b\u3053\u306e\u76ee\u5b89\u3068\u3044\u3046\u306e\u306f\u3001\u304b\u3064\u3066\u91d1\u878d\u6a5f\u95a2\u304c\u7269\u4ef6\u306e\u62c5\u4fdd\u5272\u308c\u306e\u30ea\u30b9\u30af\u3092\u56de\u907f\u3059\u308b\u305f\u3081\u306b\uff11\uff5e\uff12\u5272\u306e\u982d\u91d1\u3092\u5165\u308c\u308b\u3053\u3068\u3092\u878d\u8cc7\u306e\u6761\u4ef6\u306b\u3057\u3066\u3044\u305f\u3053\u3068\u306e\u540d\u6b8b\u3068\u8a00\u308f\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>1-1\u3067\u3082\u304a\u4f1d\u3048\u3057\u305f\u3088\u3046\u306b\u3001\u73fe\u5728\u3067\u306f\u982d\u91d1\u304c\u7121\u304f\u3066\u3082\u4f4f\u5b85\u30ed\u30fc\u30f3\u3092\u7d44\u3080\u3053\u3068\u306f\u53ef\u80fd\u3067\u3059\u304c\u3001\u982d\u91d1\u304c\u306a\u3044\u3068\u30ed\u30fc\u30f3\u304c\u901a\u3089\u306a\u3044\u306e\u3067\u306f\u306a\u3044\u304b\u3001\u3088\u3044\u91d1\u5229\u306e\u6761\u4ef6\u306b\u306a\u3089\u306a\u3044\u306e\u3067\u306f\u306a\u3044\u304b\u3001\u306a\u3069<strong>\u982d\u91d1\u304c\u306a\u3044\u3053\u3068\u306b\u3088\u308b\u30de\u30a4\u30ca\u30b9\u306e\u30a4\u30e1\u30fc\u30b8\u304c\u3042\u308b\u3053\u3068\u3082<\/strong><strong>\uff11\uff5e\uff12\u5272\u3092\u76ee\u5b89\u3068\u3057\u305f\u982d\u91d1\u3092\u5165\u308c\u305f\u65b9\u304c\u3044\u3044\u3068\u8a00\u308f\u308c\u308b\u8981\u56e0\u3067\u3057\u3087\u3046<\/strong>\u3002<\/p>\n<p>\u3061\u306a\u307f\u306b\u3001\u30d5\u30e9\u30c3\u30c8\uff13\uff15\u3092\u6271\u3046\u4f4f\u5b85\u91d1\u878d\u652f\u63f4\u6a5f\u69cb\u304c\u884c\u3063\u305f\u300c2019\u5e74\u5ea6\u30682020\u5e74\u5ea6\u306b\u30d5\u30e9\u30c3\u30c8\uff13\uff15\u3092\u5229\u7528\u3057\u3066\u4f4f\u5b85\u3092\u8cfc\u5165\u3057\u305f\u4eba\u304c\u3069\u306e\u304f\u3089\u3044\u982d\u91d1\u3092\u5165\u308c\u305f\u306e\u304b\u300d\u3068\u3044\u3046\u8abf\u67fb\u306e\u7d50\u679c\u306f\u3001\u4ee5\u4e0b\u306e\u901a\u308a\u3067\u3057\u305f\u3002<\/p>\n<table style=\"width: 100%;\" width=\"100%\">\n<tbody>\n<tr>\n<td style=\"width: 33.3333%; text-align: center; background-color: #efefef;\"><\/td>\n<td style=\"width: 66.6667%; text-align: center; background-color: #d1d5d8;\" colspan=\"2\"><strong>\u982d\u91d1\u306e\u5272\u5408<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center; background-color: #efefef;\"><\/td>\n<td style=\"width: 33.3333%; text-align: center; background-color: #fba026;\"><strong>2019\u5e74\u5ea6<\/strong><\/td>\n<td style=\"width: 33.3333%; text-align: center; background-color: #99e35b;\"><strong>2020\u5e74\u5ea6<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center; background-color: #efefef;\"><strong>\u6ce8\u6587\u4f4f\u5b85<\/strong><\/td>\n<td style=\"width: 33.3333%; text-align: center; background-color: #ffefbd;\">18.0\uff05<\/td>\n<td style=\"width: 33.3333%; text-align: center; background-color: #def6ca;\">17.5\uff05<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center; background-color: #efefef;\"><strong>\u571f\u5730\u4ed8\u304d\u6ce8\u6587\u4f4f\u5b85<\/strong><\/td>\n<td style=\"width: 33.3333%; text-align: center; background-color: #ffefbd;\">10.4\uff05<\/td>\n<td style=\"width: 33.3333%; text-align: center; background-color: #def6ca;\">10.0\uff05<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center; background-color: #efefef;\"><strong>\u5efa\u58f2\u4f4f\u5b85<\/strong><\/td>\n<td style=\"width: 33.3333%; text-align: center; background-color: #ffefbd;\">8.1\uff05<\/td>\n<td style=\"width: 33.3333%; text-align: center; background-color: #def6ca;\">7.1\uff05<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center; background-color: #efefef;\"><strong>\u4e2d\u53e4\u6238\u5efa<\/strong><\/td>\n<td style=\"width: 33.3333%; text-align: center; background-color: #ffefbd;\">8.1\uff05<\/td>\n<td style=\"width: 33.3333%; text-align: center; background-color: #def6ca;\">8.0\uff05<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center; background-color: #efefef;\"><strong>\u65b0\u7bc9\u30de\u30f3\u30b7\u30e7\u30f3<\/strong><\/td>\n<td style=\"width: 33.3333%; text-align: center; background-color: #ffefbd;\">16.3\uff05<\/td>\n<td style=\"width: 33.3333%; text-align: center; background-color: #def6ca;\">16.7\uff05<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center; background-color: #efefef;\"><strong>\u4e2d\u53e4\u30de\u30f3\u30b7\u30e7\u30f3<\/strong><\/td>\n<td style=\"width: 33.3333%; text-align: center; background-color: #ffefbd;\">11.3\uff05<\/td>\n<td style=\"width: 33.3333%; text-align: center; background-color: #def6ca;\">11.6\uff05<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\uff08\u51fa\u5178\uff1a<a href=\"https:\/\/www.jhf.go.jp\/files\/400357456.pdf\" target=\"_blank\" rel=\"noopener\"><strong>\u4f4f\u5b85\u91d1\u878d\u652f\u63f4\u6a5f\u69cb\u30002020\u5e74\u5ea6\u3000\u30d5\u30e9\u30c3\u30c8\uff13\uff15\u5229\u7528\u8005\u8abf\u67fb<\/strong><\/a>\uff09<\/p>\n<p>\u3053\u306e\u3088\u3046\u306a\u30c7\u30fc\u30bf\u3092\u898b\u308b\u3068\u3001\u982d\u91d1\u3092\uff11\uff5e\uff12\u5272\u5165\u308c\u305f\u307b\u3046\u304c\u3088\u3044\u306e\u3067\u306f\uff1f\u3068\u601d\u3046\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<br \/>\n\u3057\u304b\u3057<strong>\u30d5\u30e9\u30c3\u30c8\uff13\uff15\u306f\u982d\u91d1\u30921\u5272\u4ee5\u4e0a\u5165\u308c\u308b\u3068\u91d1\u5229\u304c\u5b89\u304f\u306a\u308b\u3068\u3044\u3046\u7279\u5fb4\u304c\u3042\u308a\u307e\u3059<\/strong>\u3002\u305d\u306e\u305f\u3081\u982d\u91d1\u30921\u5272\u4ee5\u4e0a\u5165\u308c\u308b\u65b9\u304c\u591a\u3044\u7d50\u679c\u306b\u306a\u308b\u306e\u306f\u3054\u304f\u81ea\u7136\u306a\u6d41\u308c\u3067\u3059\u3002<\/p>\n<p>1-1\u3067\u304a\u4f1d\u3048\u3057\u305f\u901a\u308a\u3001\u3044\u307e\u306f\u982d\u91d1\uff10\u3067\u3082\u30de\u30a4\u30db\u30fc\u30e0\u3092\u8cb7\u3048\u307e\u3059\u3057\u3001<strong>\u3042\u307e\u308a\u6df1\u304f\u8003\u3048\u305a\u306b\u982d\u91d1\u3092\u5165\u308c\u3066\u624b\u5143\u8cc7\u91d1\u3092\u6e1b\u3089\u3057\u3066\u3057\u307e\u3046\u3068\u3001\u304b\u3048\u3063\u3066\u305d\u306e\u5f8c\u306e\u751f\u6d3b\u304c\u82e6\u3057\u304f\u306a\u3063\u3066\u3057\u307e\u3046\u53ef\u80fd\u6027\u3082\u3042\u308a\u307e\u3059<\/strong>\u3002\u982d\u91d1\uff10\u3067\u30de\u30a4\u30db\u30fc\u30e0\u3092\u8cfc\u5165\u3059\u308b\u305f\u3081\u306e\u30b9\u30c6\u30c3\u30d7\u306f\uff13\u7ae0\u3067\u304a\u4f1d\u3048\u3057\u307e\u3059\u3002<\/p>\n<h2><span id=\"i-2\">\uff12. \u30de\u30a4\u30db\u30fc\u30e0\u3092\u8cb7\u3046\u305f\u3081\u306b\u982d\u91d1\u3092\u5165\u308c\u308b\u5fc5\u8981\u306f\u306a\u3044\u3068\u8a00\u3048\u308b\uff13\u3064\u306e\u7406\u7531<\/span><\/h2>\n<p>\u6628\u4eca\u3001\u982d\u91d1\u304c\u306a\u304f\u3066\u3082\u30ed\u30fc\u30f3\u304c\u7d44\u3081\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3057\u305f\u304c\u3001\u30de\u30a4\u30db\u30fc\u30e0\u8cfc\u5165\u306b\u3042\u305f\u3063\u3066\u982d\u91d1\u3092\u5165\u308c\u308b\u5fc5\u8981\u304c\u306a\u3044\u3068\u8a00\u3048\u308b\u7406\u7531\u306f\u4e3b\u306b\u4ee5\u4e0b\u306e\uff13\u3064\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<ul>\n<li>\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u306e\u6069\u6075\u304c\u53d7\u3051\u3089\u308c\u308b<\/li>\n<li>\u624b\u5143\u306b\u4f59\u3063\u305f\u304a\u91d1\u3092\u6709\u52b9\u6d3b\u7528\u3067\u304d\u308b<\/li>\n<li>\u56e3\u4f53\u4fe1\u7528\u751f\u547d\u4fdd\u967a\u306e\u91d1\u984d\u304c\u5897\u3048\u308b<\/li>\n<\/ul>\n<p>\u3053\u306e\u7ae0\u3067\u306f\u3001\u3053\u308c\u3089\uff13\u3064\u306e\u7406\u7531\u3092\u8aac\u660e\u3057\u3066\u304d\u307e\u3059\u3002<\/p>\n<h3><span id=\"2-1\">2-1. \u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u306e\u6069\u6075\u3092\u3088\u308a\u591a\u304f\u53d7\u3051\u3089\u308c\u308b<\/span><\/h3>\n<p>\u982d\u91d1\u304c\u5165\u308c\u308b\u5fc5\u8981\u304c\u306a\u3044\u4e00\u3064\u76ee\u306e\u7406\u7531\u3002\u305d\u308c\u306f\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u306e\u6069\u6075\u3092\u3088\u308a\u591a\u304f\u53d7\u3051\u3089\u308c\u308b\u304b\u3089\u3067\u3059\u3002<\/p>\n<p><strong>\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u3068\u306f\u5e74\u672b\u6642\u70b9\u3067\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u6b8b\u9ad8\u306b\u5bfe\u3057\u30660.7%\u307e\u3067\u306e\u91d1\u984d\u304c\u6240\u5f97\u7a0e\u30fb\u4f4f\u6c11\u7a0e\u304b\u3089\u63a7\u9664\u3055\u308c\u308b\u3068\u3044\u3046\u5236\u5ea6<\/strong>\u3067\u3059\u30022022\u5e74\u4ee5\u964d\u3001\u4e00\u822c\u4f4f\u5b85\u306b\u304a\u3044\u3066\u306f\u30ed\u30fc\u30f3\u6b8b\u9ad83,000\u4e07\u5186\u306b\u5bfe\u3057\u30660.7%\u306e\u6700\u592721\u4e07\u5186\u304c\u623b\u3063\u3066\u304d\u307e\u3059\u3002<\/p>\n<p>\u4f8b\u3048\u3070\u30013,000\u4e07\u5186\u306e\u7269\u4ef6\u4fa1\u683c\u306b\u5bfe\u3057\u3066\u3001\u982d\u91d1\u304c0\u3060\u3063\u305f\u5834\u5408\u3001\u7dcf\u984d215\u4e07\u5186\u307b\u3069\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u304c\u53d7\u3051\u3089\u308c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\uff08\u203b\u5e74\u53ce500\u4e07\u5186\u3067\u91d1\u52291.2%\u306e\u5834\u5408\u3002\u63a7\u9664\u306e\u91d1\u984d\u306f\u8af8\u6761\u4ef6\u306b\u3088\u3063\u3066\u5909\u52d5\u3057\u307e\u3059\u306e\u3067\u3054\u7559\u610f\u304f\u3060\u3055\u3044\u3002\uff09<\/p>\n<p>\u4e00\u65b9\u30013,000\u4e07\u5186\u306e\u7269\u4ef6\u4fa1\u683c\u306b\u5bfe\u3057\u3066\u3001\u4f8b\u3048\u3070500\u4e07\u5186\u306e\u982d\u91d1\u3092\u5165\u308c\u305f\u3068\u3057\u307e\u3057\u3087\u3046\u3002\u305d\u306e\u5834\u5408\u7dcf\u984d180\u4e07\u5186\u307b\u3069\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u306e\u9069\u7528\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u3061\u306a\u307f\u306b3,000\u4e07\u5186\u306735\u5e74\u306e\u30ed\u30fc\u30f3\u3092\u7d44\u3093\u3060\u5834\u5408\u306e\u5229\u606f\u306f675\u4e07\u5186\u30012,500\u4e07\u5186\u306e\u5834\u5408\u306f562\u4e07\u5186\u3067\u3059\u3002<\/p>\n<p>\u3053\u3053\u304b\u3089\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u3067\u53d7\u3051\u3089\u308c\u305f\u91d1\u984d\u3092\u5dee\u3057\u5f15\u304f\u3068\u5b9f\u8cea\u7684\u306a\u5229\u606f\u984d\u306f\u3001<\/p>\n<ul>\n<li><span class=\"f-marker-p\">3,000\u4e07\u5186\u306e\u5834\u5408\u306e\u5229\u606f675\u4e07\u5186\uff0d215\u4e07\u5186\uff1d<\/span><strong><span class=\"f-marker-p\" style=\"font-size: 18px;\">460\u4e07\u5186<\/span><\/strong><\/li>\n<li><span class=\"f-marker-p\">2,500\u4e07\u5186\u306e\u5834\u5408\u306e\u5229\u606f562\u4e07\u5186\uff0d180\u4e07\u5186\uff1d<\/span><strong><span class=\"f-marker-p\" style=\"font-size: 18px;\">382\u4e07\u5186<\/span><\/strong><\/li>\n<\/ul>\n<p>\u3068\u306a\u308a\u307e\u3059\u3002\u305d\u306e\u305f\u3081<strong>\u982d\u91d1\u3092\u5165\u308c\u305a\u306b\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\u3092\u53d7\u3051\u305f\u307b\u3046\u304c\u30aa\u30c8\u30af\u306b\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059<\/strong>\u3002<\/p>\n<h3><span id=\"2-2\">2-2.\u624b\u5143\u306b\u6b8b\u3063\u305f\u304a\u91d1\u3092\u6709\u52b9\u6d3b\u7528\u3067\u304d\u308b<\/span><\/h3>\n<p>\u4e8c\u3064\u76ee\u306e\u7406\u7531\u306f\u624b\u5143\u306b\u6b8b\u3063\u305f\u304a\u91d1\u3092\u6709\u52b9\u6d3b\u7528\u3067\u304d\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u982d\u91d1\u3092\u5165\u308c\u306a\u3044\u5834\u5408\u3001\u624b\u5143\u306b\u6b8b\u3063\u305f\u304a\u91d1\u3092\u69d8\u3005\u306a\u7528\u9014\u306b\u5145\u3066\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u4f8b\u3048\u3070\u8cc7\u7523\u904b\u7528\u3002\u8fd1\u5e74\u306fiDeCo\u3084NISA\u306a\u3069\u306e\u5236\u5ea6\u306e\u6d3b\u7528\u3092\u56fd\u304c\u7a4d\u6975\u7684\u306b\u9032\u3081\u3066\u3044\u308b\u3053\u3068\u3082\u3042\u308a\u3001\u904b\u7528\u306b\u5bfe\u3057\u3066\u524d\u5411\u304d\u306a\u65b9\u304c\u5897\u3048\u3066\u304d\u307e\u3057\u305f\u3002\u305d\u306e\u305f\u3081\u65e5\u9803\uff26\uff30\u76f8\u8ac7\u3092\u53d7\u3051\u308b\u4e2d\u3067\u3082\u3001\u4f4e\u91d1\u5229\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u306b\u982d\u91d1\u3068\u3057\u3066\u5145\u3066\u308b\u3088\u308a\u3082\u30ed\u30fc\u30f3\u91d1\u5229\u3092\u4e0a\u56de\u308b\u5229\u56de\u308a\u3067\u904b\u7528\u3057\u305f\u307b\u3046\u304c\u30aa\u30c8\u30af\u306a\u306e\u3067\u306f\uff1f\u3068\u3044\u3046\u8003\u3048\u306e\u65b9\u3082\u5897\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>2-1\u306e\u4f8b\u3067\u4f7f\u308f\u306a\u304b\u3063\u305f500\u4e07\u5186\u306e\u982d\u91d1\u3092\u904b\u7528\u3057\u305f\u5834\u5408\u3001\u4eee\u306b3%\u306e\u904b\u7528\u5229\u56de\u308a\u304c\u51fa\u305f\u3068\u3059\u308b\u306835\u5e74\u9593\u30671,406\u4e07\u5186\u3068\u306a\u308a\u307e\u3059\u3002\u4e00\u65b9\u982d\u91d1\u3068\u3057\u3066\u5145\u3066\u305f\u5834\u5408\u306e\u5229\u606f\u524a\u6e1b\u52b9\u679c\u306f675\u4e07\u5186\uff0d562\u4e07\u5186\uff1d113\u4e07\u5186\u3068\u306a\u308b\u305f\u3081\u3001\u4e21\u8005\u3092\u6bd4\u8f03\u3059\u308b\u3068\u904b\u7528\u306b\u8ecd\u914d\u304c\u4e0a\u304c\u308b\u3068\u3044\u3046\u8a08\u7b97\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u8cc7\u7523\u904b\u7528\u4ee5\u5916\u306b\u3082\u4ee5\u4e0b\u306e\u3088\u3046\u306a\u6d3b\u7528\u306e\u4ed5\u65b9\u304c\u3042\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n<ul>\n<li><strong>\u4f4f\u5b85\u8cfc\u5165\u5f8c\u306e\u7523\u4f11\u30fb\u80b2\u4f11\u30fb\u6642\u77ed\u306b\u3088\u308b\u53ce\u5165\u6e1b\u3092\u624b\u5143\u306b\u6b8b\u3063\u305f\u304a\u91d1\u3067\u8cc7\u7523\u306e\u6e1b\u5c11\u3092\u30ab\u30d0\u30fc\u3002<\/strong><\/li>\n<li><strong>\u5165\u5b66\u91d1\u3001\u587e\u4ee3\u306a\u3069\u304a\u5b50\u69d8\u306e\u6559\u80b2\u8cbb\u306b\u5145\u3066\u308b\u3002<\/strong><\/li>\n<li><strong>\u75c5\u6c17\u306a\u3069\u3067\u50cd\u3051\u306a\u304f\u306a\u3063\u305f\u3068\u304d\u306e\u53ce\u5165\u6e1b\u3092\u30ab\u30d0\u30fc\u3002<\/strong><\/li>\n<li><strong>\u81ea\u52d5\u8eca\u8cfc\u5165\u3001\u6d77\u5916\u65c5\u884c\u306a\u3069\u306e\u5927\u304d\u306a\u51fa\u8cbb\u3092\u8cc4\u3046\u3002<\/strong><\/li>\n<\/ul>\n<p>\u3053\u306e\u3088\u3046\u306b\u305d\u308c\u305e\u308c\u306e\u5bb6\u5ead\u306e\u4e8b\u60c5\u306b\u5fdc\u3058\u3066\u624b\u5143\u306b\u6b8b\u3063\u305f\u304a\u91d1\u306e\u6d3b\u7528\u65b9\u6cd5\u3092\u9078\u3076\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<h3><span id=\"2-3\">2-3. \u56e3\u4f53\u4fe1\u7528\u751f\u547d\u4fdd\u967a\u306e\u91d1\u984d\u304c\u5897\u3048\u308b<\/span><\/h3>\n<p>\uff13\u3064\u3081\u306e\u7406\u7531\u306f\u56e3\u4f53\u4fe1\u7528\u751f\u547d\u4fdd\u967a\u306e\u91d1\u984d\u304c\u5897\u3048\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u4f4f\u5b85\u8cfc\u5165\u6642\u306b\u30ed\u30fc\u30f3\u3092\u7d44\u3080\u969b\u306b\u306f\u3001\u57fa\u672c\u7684\u306b\u56e3\u4f53\u4fe1\u7528\u751f\u547d\u4fdd\u967a\uff08\u4ee5\u4e0b\u56e3\u4fe1\uff09\u3068\u3044\u3046\u4fdd\u967a\u3092\u30bb\u30c3\u30c8\u3067\u52a0\u5165\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u56e3\u4fe1\u306f\u4f4f\u5b85\u30ed\u30fc\u30f3\u6b8b\u9ad8\u306e\u91d1\u984d\u3068\u540c\u3058\u91d1\u984d\u306e\u4fdd\u969c\u3068\u306a\u308a\u307e\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u982d\u91d1\u3092\u5165\u308c\u308c\u3070\u5165\u308c\u308b\u307b\u3069\u56e3\u4fe1\u306e\u91d1\u984d\u306f\u5c11\u306a\u304f\u306a\u308b\u3068\u3044\u3046\u73fe\u8c61\u304c\u8d77\u304d\u307e\u3059\u3002\u9006\u306b\u8003\u3048\u308b\u3068\u982d\u91d1\u3092\u5165\u308c\u306a\u3051\u308c\u3070\u56e3\u4fe1\u306e\u91d1\u984d\u306f\u6e1b\u3089\u306a\u3044\u305f\u3081\u3001\u4e07\u4e00\u306e\u6b7b\u4ea1\u4fdd\u969c\u306e\u91d1\u984d\u3092\u591a\u304f\u6b8b\u3059\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u56e3\u4fe1\u306e\u91d1\u984d\u304c\u5897\u3048\u308b\u3068\u3001\u624b\u5143\u306e\u304a\u91d1\u3092\u6e1b\u3089\u3055\u305a\u306b\u3001\u4fdd\u969c\u306e\u91d1\u984d\u3092\u591a\u304f\u7528\u610f\u3067\u304d\u308b\u305f\u3081\u30aa\u30c8\u30af\u3067\u3059\u3002\u3082\u3057<strong><span style=\"color: #0000ff;\">\u56e3\u4fe1\u4ee5\u5916\u306b\u6b7b\u4ea1\u4fdd\u967a\u306b\u52a0\u5165\u3057\u3066\u3044\u308b\u3088\u3046\u3067\u3042\u308c\u3070\u3001\u91cd\u8907\u3057\u3066\u4fdd\u967a\u306b\u52a0\u5165\u3059\u308b\u3053\u3068\u306b\u306a\u3063\u3066\u3057\u307e\u3046\u53ef\u80fd\u6027\u3082\u3042\u308a\u307e\u3059<\/span><\/strong>\u3002\u305d\u306e\u3088\u3046\u306a\u4fdd\u967a\u3092\u898b\u76f4\u3059\u3053\u3068\u306b\u3088\u308a\u4fdd\u967a\u6599\u306e\u30b3\u30b9\u30c8\u30c0\u30a6\u30f3\u304c\u56f3\u308c\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<p>\u307e\u305f\u8fd1\u5e74\u3001\u56e3\u4fe1\u306e\u4fdd\u969c\u306f\u6b7b\u4ea1\u4fdd\u969c\u306e\u307f\u3067\u306a\u304f\u3001\u4e09\u5927\u75be\u75c5\u3084\u4e03\u5927\u75be\u75c5\u306a\u3069\u306b\u8a72\u5f53\u3057\u305f\u5834\u5408\u3082\u30ed\u30fc\u30f3\u306e\u8fd4\u6e08\u3092\u514d\u9664\u3059\u308b\u5185\u5bb9\u306e\u3082\u306e\u3082\u3042\u308b\u305f\u3081\u3001\u56e3\u4fe1\u3092\u9078\u3076\u969b\u306b\u306f\u4eca\u52a0\u5165\u3057\u3066\u3044\u308b\u4fdd\u967a\u3068\u306e\u517c\u306d\u5408\u3044\u3082\u8003\u3048\u3001\u81ea\u5206\u306b\u5408\u3046\u5185\u5bb9\u306e\u3082\u306e\u3092\u9078\u3073\u307e\u3057\u3087\u3046\u3002<\/p>\n<h2><span id=\"i-3\">\uff13. \u30de\u30a4\u30db\u30fc\u30e0\u8cfc\u5165\u306b\u3042\u305f\u3063\u3066\u982d\u91d1\uff10\u3067\u3044\u3044\u304b\u3069\u3046\u304b\u3092\u5224\u65ad\u3059\u308b\u305f\u3081\u306e\uff13\u3064\u306e\u30dd\u30a4\u30f3\u30c8<\/span><\/h2>\n<p>\u3053\u3053\u307e\u3067\u8aad\u3093\u3067\u3082\u3089\u3048\u308c\u3070\u3001\u982d\u91d1\uff10\u3067\u4f4f\u5b85\u8cfc\u5165\u3092\u3057\u3066\u3082\u5927\u4e08\u592b\u3068\u3044\u3046\u306e\u306f\u5206\u304b\u3063\u3066\u3082\u3089\u3048\u305f\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u7d9a\u3044\u3066\u3053\u306e\u7ae0\u3067\u306f\u3001\u30de\u30a4\u30db\u30fc\u30e0\u8cfc\u5165\u306b\u3042\u305f\u3063\u3066\u982d\u91d1\u304c\uff10\u3067\u3082\u3044\u3044\u304b\u3069\u3046\u304b\u5224\u65ad\u3059\u308b\u305f\u3081\u306b\u3001\u62bc\u3055\u3048\u3066\u304a\u304d\u305f\u3044\u30dd\u30a4\u30f3\u30c8\u3092\uff13\u3064\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<h3><span id=\"3-1\">3-1. \u3044\u304f\u3089\u8caf\u91d1\u304c\u3042\u308b\u306e\u304b\u628a\u63e1\u3057\u3088\u3046<\/span><\/h3>\n<p>\u307e\u305a\u6700\u521d\u306e\u30dd\u30a4\u30f3\u30c8\u306f\u300c\u3044\u304f\u3089\u8caf\u91d1\u304c\u3042\u308b\u306e\u304b\u300d\u628a\u63e1\u3059\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u5bb6\u8a08\u3067\u3044\u304f\u3089\u8caf\u91d1\u304c\u3042\u308b\u306e\u304b\u3001\u3059\u3050\u306b\u7b54\u3048\u3089\u308c\u308b\u65b9\u306f\u610f\u5916\u3068\u591a\u304f\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u81ea\u5206\u306e\u53e3\u5ea7\u30fb\u914d\u5076\u8005\u306e\u53e3\u5ea7\u30fb\u5171\u901a\u306e\u53e3\u5ea7\u306a\u3069\u8907\u6570\u306e\u53e3\u5ea7\u3092\u304a\u6301\u3061\u306e\u65b9\u3082\u3044\u3089\u3063\u3057\u3083\u308b\u3067\u3057\u3087\u3046\u3057\u3001\u4e2d\u306b\u306f\u8ca1\u5f62\u8caf\u84c4\u30fb\u793e\u5185\u9810\u91d1\u306a\u3069\u666e\u6bb5\u306f\u610f\u8b58\u3057\u3066\u3044\u306a\u3044\u3068\u3053\u308d\u306b\u304a\u91d1\u3092\u8caf\u3081\u3066\u3044\u308b\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p><strong>\u3059\u3079\u3066\u306e\u53e3\u5ea7\u3092\u96c6\u3081\u3066\u6b8b\u9ad8\u3092\u5408\u8a08\u3057\u3001\u4eca\u3044\u304f\u3089\u304a\u91d1\u304c\u3042\u308b\u306e\u304b\u3092\u628a\u63e1\u3059\u308b\u3053\u3068\u304c\u6700\u521d\u306e\u30b9\u30bf\u30fc\u30c8<\/strong>\u3067\u3059\u3002\u6295\u8cc7\u3084\u7a4d\u7acb\u306e\u4fdd\u967a\u306a\u3069\u306e\u91d1\u878d\u8cc7\u7523\u304c\u3042\u308b\u65b9\u306f\u3053\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u3067\u78ba\u8a8d\u3057\u3066\u307f\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>\u78ba\u8a8d\u3057\u3066\u307f\u308b\u3068\u3001\u601d\u3063\u305f\u3088\u308a\u3082\u8caf\u91d1\u304c\u3042\u308b\u3068\u3044\u3046\u65b9\u3082\u3044\u308c\u3070\u3001\u305d\u3046\u3067\u306a\u3044\u65b9\u3082\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u3002<br \/>\n\u5bb6\u8a08\u306e\u8caf\u91d1\u306f\u914d\u5076\u8005\u306b\u4efb\u305b\u3066\u3044\u305f\u304c\u3001\u78ba\u8a8d\u3059\u308b\u3068\u5168\u7136\u3067\u304d\u3066\u3044\u306a\u304b\u3063\u305f\uff01\u3068\u3044\u3046\u30b1\u30fc\u30b9\u3082\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<p>\u8caf\u91d1\u304c100\u4e07\u5186\u306a\u306e\u304b500\u4e07\u5186\u306a\u306e\u304b\u30011,000\u4e07\u5186\u306a\u306e\u304b\u306b\u3088\u3063\u30663-2\u4ee5\u964d\u306b\u5f71\u97ff\u304c\u51fa\u3066\u304d\u307e\u3059\u3002<\/p>\n<h3><span id=\"3-2\">3-2.\u8cfc\u5165\u5f8c\u3069\u3093\u306a\u30e9\u30a4\u30d5\u30a4\u30d9\u30f3\u30c8\u304c\u3042\u308b\u306e\u304b\u628a\u63e1\u3057\u3088\u3046<\/span><\/h3>\n<p>\u6b21\u306e\u30dd\u30a4\u30f3\u30c8\u306f\u300c\u8cfc\u5165\u5f8c\u306b\u3069\u3093\u306a\u30e9\u30a4\u30d5\u30a4\u30d9\u30f3\u30c8\u304c\u3042\u308b\u306e\u304b\u300d\u3092\u8003\u3048\u3066\u307f\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u4f4f\u5b85\u8cfc\u5165\u6642\u306f\u8cfc\u5165\u307e\u3067\u306e\u3053\u3068\u306b\u982d\u304c\u3044\u3063\u3071\u3044\u306b\u306a\u3063\u3066\u3057\u307e\u3044\u304c\u3061\u3067\u3059\u304c\u3001<strong>\u4f4f\u5b85\u8cfc\u5165\u306f\u8cfc\u5165\u5f8c\u306b\u3044\u304b\u306b\u7121\u7406\u306a\u304f\u8fd4\u6e08\u304c\u3067\u304d\u308b\u304b\u304c\u91cd\u8981\u306a\u30dd\u30a4\u30f3\u30c8\u3067\u3059\u3002<\/strong><\/p>\n<p>\u4f8b\u3048\u3070\u3001<\/p>\n<ul>\n<li>\u304a\u5b50\u69d8\u306e\u9032\u5b66\u3067\u304b\u304b\u308b\u8cbb\u7528<\/li>\n<li>\u4eca\u5e74\u304b\u3089\u53d7\u9a13\u306e\u305f\u3081\u306b\u901a\u308f\u305b\u308b\u587e\u4ee3<\/li>\n<li>\u81ea\u52d5\u8eca\u306e\u8cfc\u5165\u8cbb\u7528<\/li>\n<li>\u5b9f\u5bb6\u306e\u4e21\u89aa\u3078\u4ed5\u9001\u308a\u3067\u63f4\u52a9\u3092\u3059\u308b<\/li>\n<li>\u8cfc\u5165\u5f8c\u8fd1\u3005\u3067\u8ee2\u8077\u3092\u63a7\u3048\u3066\u3044\u308b<\/li>\n<li>\u5965\u69d8\u304c\u4ed5\u4e8b\u3092\u9000\u8077\u3059\u308b\u4e88\u5b9a\u304c\u3042\u308b<\/li>\n<\/ul>\n<p>\u306a\u3069\u306a\u3069\u3001\u5bb6\u5ead\u306b\u3088\u3063\u3066\u3055\u307e\u3056\u307e\u306a\u30e9\u30a4\u30d5\u30a4\u30d9\u30f3\u30c8\u304c\u8d77\u3053\u308a\u3046\u308b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u30a4\u30d9\u30f3\u30c8\u306e\u591a\u304f\u306f\u304a\u91d1\u304c\u51fa\u3066\u3044\u304f\u3082\u306e\u3001\u3082\u3057\u304f\u306f\u5165\u3063\u3066\u304f\u308b\u304a\u91d1\u304c\u5909\u308f\u3063\u3066\u3057\u307e\u3046\u3082\u306e\u3060\u3068\u601d\u3044\u307e\u3059\u3002\u30a4\u30d9\u30f3\u30c8\u304c\u767a\u751f\u3057\u305f\u969b\u306b\u305d\u306e\u5206\u306e\u304a\u91d1\u304c\u8caf\u91d1\u3067\u78ba\u4fdd\u3067\u304d\u3066\u3044\u308b\u306e\u304b\u3001\u8db3\u308a\u306a\u3044\u3053\u3068\u306f\u306a\u3044\u304b\u3001\u8cfc\u5165\u5f8c\u306e\u30a4\u30d9\u30f3\u30c8\u3092\u8003\u3048\u307e\u3057\u3087\u3046\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/fpbank.co.jp\/column\/wp-content\/uploads\/2022\/02\/life-event-after-house-purchase-1645247308.png\" class=\"fr-fic fr-dib fr-draggable\" alt=\"\u4f4f\u5b85\u8cfc\u5165\u5f8c\u306e\u30e9\u30a4\u30d5\u30a4\u30d9\u30f3\u30c8\u4f8b\" \/><\/p>\n<p>\u30e9\u30a4\u30d5\u30a4\u30d9\u30f3\u30c8\u306f\u30a4\u30e9\u30b9\u30c8\u306b\u3059\u308b\u3068\u4e0a\u8a18\u306e\u3088\u3046\u306a\u3082\u306e\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u6570\u5b57\u5316\u3057\u305f\u3082\u306e\uff08\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u8868\uff09\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/fpbank.co.jp\/column\/wp-content\/uploads\/2022\/02\/cash-flow-table-1645247417.png\" class=\"fr-fic fr-dib fr-draggable\" alt=\"\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u8868\" \/><\/p>\n<p>\uff08\u51fa\u5178\uff1a<a href=\"https:\/\/www.jafp.or.jp\/know\/fp\/sheet\/files\/11_cashflow.pdf\" target=\"_blank\" rel=\"noopener\"><strong>\u65e5\u672c\uff26\uff30\u5354\u4f1a<\/strong><\/a>\uff09<\/p>\n<p>\u73fe\u5728\u306e\u53ce\u5165\u3001\u652f\u51fa\u3001\u8caf\u84c4\u306b\u52a0\u3048\u3001\u5c06\u6765\u306e\u30e9\u30a4\u30d5\u30a4\u30d9\u30f3\u30c8\u306e\u898b\u901a\u3057\u30921\u5e74\u5358\u4f4d\u3067\u5e73\u5747\u5bff\u547d\u307e\u3067\u4f5c\u6210\u3057\u3066\u307f\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u305f\u3060\u3001\u81ea\u5206\u3067\u4f5c\u6210\u3059\u308b\u306e\u306f\u624b\u9593\u3067\u3001\u9762\u5012\u3060\u3068\u3044\u3046\u65b9\u306f\u30d7\u30ed\u306e\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30f3\u30ca\u30fc\u306b\u76f8\u8ac7\u3057\u3066\u307f\u308b\u306e\u3082\u3042\u308a\u3067\u3059\u3002<\/p>\n<p><strong>\u81ea\u5206\u3067\u4f5c\u6210\u3057\u305f\u5834\u5408\u306f\u300c\u3053\u3046\u306a\u3063\u305f\u3089\u3044\u3044\u306a\u3041\u300d\u3068\u3044\u3046\u5e0c\u671b\u7684\u89b3\u6e2c\u306b\u306a\u3063\u3066\u3057\u307e\u3063\u305f\u308a\u3001\u73fe\u5b9f\u3088\u308a\u3082\u53b3\u3057\u3059\u304e\u308b\u898b\u7acb\u3066\u306b\u306a\u3063\u3066\u3057\u307e\u3063\u305f\u308a\u3059\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059<\/strong>\u3002<br \/>\n\u5f0a\u793e\uff26\uff30\u30d0\u30f3\u30af\u3067\u3082\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u8868\u306e\u3054\u76f8\u8ac7\u306f\u627f\u3063\u3066\u304a\u308a\u307e\u3059\u306e\u3067\u305c\u3072\u3054\u76f8\u8ac7\u304f\u3060\u3055\u3044\u3002<\/p>\n<p><a href=\"https:\/\/fpbank.co.jp\/fpguide\/life_simuration\/\" target=\"_blank\" rel=\"noopener\"><strong>\u30e9\u30a4\u30d5\u30a4\u30d9\u30f3\u30c8\u8868\u30fb\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u8868\u306b\u3064\u3044\u3066\u8a73\u3057\u304f<\/strong><\/a><\/p>\n<h3><span id=\"3-3\">3-3.\u8cfc\u5165\u5f8c\u306b\u304b\u304b\u308b\u4f4f\u5b85\u306e\u7dad\u6301\u8cbb\u3092\u628a\u63e1\u3057\u3088\u3046<\/span><\/h3>\n<p>\u6700\u5f8c\u306e\u30dd\u30a4\u30f3\u30c8\u306f\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u4ee5\u5916\u306b\u304b\u304b\u308b\u4f4f\u5b85\u306e\u7dad\u6301\u8cbb\u3092\u628a\u63e1\u3059\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u8cc3\u8cb8\u3067\u3042\u308c\u3070\u3001\u7dad\u6301\u8cbb\u306f\u304b\u304b\u3063\u305f\u3068\u3057\u3066\u3082\u66f4\u65b0\u6599\u7a0b\u5ea6\uff08\u76f8\u5834\u306f\u5bb6\u8cc3\u306e1\u304b\u6708\u5206\uff09\u306a\u306e\u3067\u3001\u4f4f\u5b85\u306e\u7dad\u6301\u8cbb\u306b\u306a\u3058\u307f\u304c\u306a\u3044\u65b9\u3082\u3044\u3089\u3063\u3057\u3083\u308b\u306e\u3067\u306f\u306a\u3044\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n<p><strong>\u30de\u30f3\u30b7\u30e7\u30f3\u306e\u5834\u5408\u3001\u7ba1\u7406\u8cbb\u30fb\u4fee\u7e55\u7a4d\u7acb\u91d1\u30fb\u99d0\u8eca\u5834\u4ee3\u30fb\u56fa\u5b9a\u8cc7\u7523\u7a0e\u304c\u304b\u304b\u308a\u307e\u3059<\/strong>\u3002<br \/>\n\u7bc9\u5e74\u6570\u306a\u3069\u306b\u3088\u3063\u3066\u3082\u7570\u306a\u308a\u307e\u3059\u304c\u3001\u4f8b\u3048\u3070\u7ba1\u7406\u8cbb\u3068\u4fee\u7e55\u7a4d\u7acb\u91d1\u3067\u67083\u4e07\u5186\u3001\u99d0\u8eca\u5834\u4ee3\u304c\u67082\u4e07\u5186\u3001\u56fa\u5b9a\u8cc7\u7523\u7a0e\u3067\u5e74\u959310\u4e07\u5186\u304b\u304b\u3063\u305f\u3068\u3059\u308b\u3068\u30ed\u30fc\u30f3\u4ee5\u5916\u306e\u4f4f\u5b85\u8cbb\u3067\u5e74\u959370\u4e07\u5186\u304b\u304b\u308a\u307e\u3059\u3002<\/p>\n<p><strong>\u6238\u5efa\u3066\u306e\u5834\u5408\u3001\u30de\u30f3\u30b7\u30e7\u30f3\u306e\u3088\u3046\u306b\u6bce\u6708\u306e\u7ba1\u7406\u8cbb\u3068\u4fee\u7e55\u7a4d\u7acb\u91d1\u306f\u304b\u304b\u308a\u307e\u305b\u3093\u304c\u3001\u56fa\u5b9a\u8cc7\u7523\u7a0e\u3068\u304a\u3088\u305d10\u5e74\u5f8c\u304b\u3089\u5916\u58c1\u306a\u3069\u306e\u4fee\u7e55\u8cbb\u304c\u304b\u304b\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059<\/strong>\u3002<\/p>\n<p>\u8cc3\u8cb8\u3068\u7570\u306a\u308a\u3001\u8cfc\u5165\u5f8c\u306f\u4f4f\u5b85\u30ed\u30fc\u30f3\u4ee5\u5916\u306b\u3082\u4e0a\u8a18\u306e\u3088\u3046\u306a\u7dad\u6301\u8cbb\u304c\u304b\u304b\u308b\u305f\u3081\u3001\u8fd4\u6e08\u8a08\u753b\u306b\u76db\u308a\u8fbc\u3093\u3067\u304a\u304f\u3053\u3068\u304c\u5fc5\u9808\u3067\u3059\u3002<\/p>\n<p>\u4ee5\u4e0a\u306e\uff13\u3064\u306e\u30dd\u30a4\u30f3\u30c8\u304b\u3089\u8a00\u3048\u308b\u3053\u3068\u306f\u3001<strong><span style=\"color: #ff0000;\">\u982d\u91d10\u3067\u30de\u30a4\u30db\u30fc\u30e0\u306f\u8cfc\u5165\u3067\u304d\u307e\u3059\u304c\u3001\u8caf\u91d1\u304c0\u306e\u5834\u5408\u306f\u4f4f\u5b85\u8cfc\u5165\u3092\u898b\u5408\u308f\u305b\u305f\u65b9\u304c\u3044\u3044<\/span><\/strong>\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u4f4f\u5b85\u30ed\u30fc\u30f3\u4ee5\u5916\u306b\u3082\u30e9\u30a4\u30d5\u30a4\u30d9\u30f3\u30c8\u3084\u4f4f\u5b85\u306e\u7dad\u6301\u8cbb\u306a\u3069\u304b\u304b\u308b\u304a\u91d1\u306f\u4ed6\u306b\u3082\u3042\u308a\u307e\u3059\u3002\u305d\u308c\u3089\u306e\u304a\u91d1\u304c\u6e96\u5099\u3067\u304d\u308b\u306e\u304b\u898b\u901a\u3057\u3092\u7acb\u3066\u305f\u3046\u3048\u3067\u3001\u554f\u984c\u306a\u3044\u3053\u3068\u3092\u78ba\u8a8d\u3057\u305f\u3046\u3048\u3067\u4f4f\u5b85\u8cfc\u5165\u3092\u9032\u3081\u308b\u3053\u3068\u3092\u304a\u30b9\u30b9\u30e1\u3057\u307e\u3059\u3002<\/p>\n<h2><span id=\"i-4\">\uff14. \u30de\u30a4\u30db\u30fc\u30e0\u8cfc\u5165\u6642\u306e\u982d\u91d1\u306b\u95a2\u3059\u308b\u3088\u304f\u3042\u308b\u8cea\u554f\u96c6<\/span><\/h2>\n<p>\u3053\u306e\u7ae0\u3067\u306f\u982d\u91d1\u306b\u95a2\u3059\u308b\u3088\u304f\u3042\u308b\u8cea\u554f\u3092\u307e\u3068\u3081\u307e\u3057\u305f\u3002<\/p>\n<h3><span id=\"4-1\">4-1. \u982d\u91d1\u306f\u3044\u3064\u6255\u3046\u306e\u304b\uff1f<\/span><\/h3>\n<p>\u30bf\u30a4\u30df\u30f3\u30b0\u3068\u3057\u3066\u306f<strong>\u4f4f\u5b85\u306e\u8cfc\u5165\u304c\u6c7a\u307e\u3063\u305f\u300c\u58f2\u8cb7\u5951\u7d04\u6642\u300d\u304b\u3089\u5f15\u6e21\u3057\u307e\u3067\u306e\u9593\u304c\u307b\u3068\u3093\u3069<\/strong>\u3067\u3059\u3002<\/p>\n<p>\u4f8b\u3048\u3070\u3001\u5f15\u304d\u6e21\u3057\u307e\u3067\u306e\u671f\u65e5\u304c\u77ed\u3044\u4e2d\u53e4\u7269\u4ef6\u306e\u5834\u5408\uff11\u304b\u6708\u7a0b\u5ea6\u3067\u3001\u65b0\u7bc9\u306e\u5834\u5408\u306f\u6570\u304b\u6708\u307b\u3069\u4f59\u88d5\u304c\u3042\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u4e2d\u53e4\u7269\u4ef6\u306e\u5834\u5408\u306f\u63a2\u3057\u3066\u3044\u308b\u6bb5\u968e\u3067\u982d\u91d1\u306e\u6e96\u5099\u3092\u59cb\u3081\u305f\u307b\u3046\u304c\u3088\u3044\u3067\u3059\u3057\u3001\u65b0\u7bc9\u306e\u5834\u5408\u306f\u4f8b\u3048\u3070\u5c11\u3057\u5148\u306e\u30dc\u30fc\u30ca\u30b9\u5206\u3092\u982d\u91d1\u306b\u5145\u3066\u308b\u3068\u3044\u3046\u3053\u3068\u3082\u3067\u304d\u308b\u306e\u3067\u614c\u3066\u3066\u7528\u610f\u3059\u308b\u5fc5\u8981\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<h3><span id=\"4-2\">4-2. \u982d\u91d1\u3092\u63f4\u52a9\u3055\u308c\u305f\u5834\u5408\u306f\u3069\u3046\u3059\u308c\u3070\u3088\u3044\u304b\uff1f<\/span><\/h3>\n<p>\u4f8b\u3048\u3070<strong>\u89aa\u3084\u7956\u7236\u6bcd\u304b\u3089\u63f4\u52a9\u3092\u53d7\u3051\u305f\u5834\u5408\u306f\u3001\u5168\u984d\u982d\u91d1\u3068\u3057\u3066\u6d3b\u7528\u3057\u307e\u3057\u3087\u3046<\/strong>\u3002<\/p>\n<p>\u306a\u305c\u306a\u3089\u3001\u901a\u5e38\u3067\u3042\u308c\u3070\u5e74\u9593110\u4e07\u5186\u4ee5\u4e0a\u306e\u8d08\u4e0e\u3092\u53d7\u3051\u305f\u5834\u5408\u306b\u306f\u8d08\u4e0e\u7a0e\u304c\u304b\u304b\u3063\u3066\u3057\u307e\u3044\u307e\u3059\u304c\u3001<strong><span style=\"color: #ff0000;\">\u4f4f\u5b85\u8cfc\u5165\u6642\u306e\u8d08\u4e0e\u306b\u3064\u3044\u3066\u306f\u7de9\u548c\u5236\u5ea6\u304c\u3042\u308a\u3001\u76f4\u7cfb\u5c0a\u5c5e\u304b\u3089\u306e\u8d08\u4e0e\u306b\u3064\u3044\u3066\u306f\u6700\u59271,000\u4e07\u5186\u307e\u3067\u975e\u8ab2\u7a0e\u306e\u5bfe\u8c61\u3068\u306a\u308b\u304b\u3089<\/span><\/strong>\u3067\u3059\u3002\uff082022\u5e742\u6708\u73fe\u5728\uff09\u3002<\/p>\n<p>\u305f\u3060\u3057\u3001<strong><span style=\"color: #ff0000;\">\u8af8\u8cbb\u7528\u306b\u5145\u3066\u308b\u3068\u4f4f\u5b85\u8cc7\u91d1\u8d08\u4e0e\u3068\u306f\u307f\u306a\u3055\u308c\u307e\u305b\u3093\u3002<\/span><\/strong><strong>\u305d\u306e\u305f\u3081\u3001\u5168\u984d\u982d\u91d1\u3068\u3057\u3066\u5165\u308c\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059<\/strong>\u3002<\/p>\n<p>\u975e\u8ab2\u7a0e\u306e\u5236\u5ea6\u306b\u3064\u3044\u3066\u306f\u6bce\u5e74\u5909\u308f\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u306e\u3067\u6700\u65b0\u306e\u60c5\u5831\u3092\u3054\u78ba\u8a8d\u304f\u3060\u3055\u3044\u3002<\/p>\n<h3><span id=\"4-3\">4-3. \u982d\u91d1\u306f\u3069\u3046\u3084\u3063\u3066\u8caf\u3081\u308b\uff1f<\/span><\/h3>\n<p>\u8272\u3005\u306a\u65b9\u6cd5\u304c\u3042\u308b\u3068\u601d\u3044\u307e\u3059\u304c\u3001<strong>\u304a\u30b9\u30b9\u30e1\u306f\u300c\u9006\u7b97\u300d\u3057\u3066\u300c\u5929\u5f15\u304d\u300d\u3057\u3066\u8caf\u3081\u308b\u3053\u3068\u3067\u3059<\/strong>\u3002\uff08\u4f8b\u3048\u30701-2\u306e\u3088\u3046\u306b\u982d\u91d1\u304c\u5fc5\u8981\u306a\u65b9\u306f\u305c\u3072\u3053\u306e\u65b9\u6cd5\u3092\u5b9f\u8df5\u3057\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002\uff09<\/p>\n<p>\u4f8b\u3048\u30703\u5e74\u5f8c\u307e\u3067\u306b\u982d\u91d1\u3092360\u4e07\u5186\u8caf\u3081\u308b\u3068\u3057\u307e\u3059\u3002\u305d\u306e\u5834\u54081\u5e74\u9593\u3067\u8caf\u3081\u308b\u91d1\u984d\u306f120\u4e07\u5186\u3002\u3072\u3068\u6708\u5f53\u305f\u308a10\u4e07\u5186\u3067\u3059\u3002\u3053\u306e\u3088\u3046\u306b\u3044\u3064\u307e\u3067\u306b\u3069\u306e\u91d1\u984d\u3092\u8caf\u3081\u308b\u306e\u304b\u9006\u7b97\u3057\u305f\u3046\u3048\u3067\u3001\u8ca1\u5f62\u8caf\u84c4\u3084\u81ea\u52d5\u7a4d\u7acb\u3067\u5929\u5f15\u304d\u3059\u308b\u3068\u5f37\u5236\u7684\u306b\u982d\u91d1\u3092\u8caf\u3081\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/fpbank.co.jp\/column\/wp-content\/uploads\/2022\/02\/1644235540280-1644235540.png\" class=\"fr-fic fr-dib fr-draggable\" \/><\/p>\n<p>\u3053\u306e\u65b9\u6cd5\u306f\u4f4f\u5b85\u8cfc\u5165\u4ee5\u5916\uff08\u4f8b\u3048\u3070\u81ea\u52d5\u8eca\u306e\u982d\u91d1\u3092\u8caf\u3081\u308b\u3001\u5b50\u3069\u3082\u306e\u6559\u80b2\u8cbb\u3092\u8caf\u3081\u308b\u306a\u3069\uff09\u3067\u3082\u6d3b\u7528\u3067\u304d\u307e\u3059\u306e\u3067\u662f\u975e\u6d3b\u7528\u3057\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<h3><span id=\"4-4\">4-4. \u8cfc\u5165\u3059\u308b\u4f4f\u5b85\u306b\u3088\u3063\u3066\u982d\u91d1\u3067\u6ce8\u610f\u3059\u308b\u3053\u3068\u304c\u3042\u308b\u304b\uff1f<\/span><\/h3>\n<p><span style=\"font-size: 16px; color: #333333;\"><strong>\u6238\u5efa\u3066\uff08\u6ce8\u6587\u4f4f\u5b85\uff09\u306e\u5834\u5408\u306f\u5c11\u3057\u6c17\u3092\u4ed8\u3051\u307e\u3057\u3087\u3046<\/strong>\u3002<\/span><\/p>\n<p>\u306a\u305c\u306a\u3089\u3001\u6ce8\u6587\u4f4f\u5b85\u306e\u5834\u5408\u306f\u30de\u30f3\u30b7\u30e7\u30f3\u3084\u5efa\u58f2\u306e\u3088\u3046\u306b\u5b8c\u6210\u3055\u308c\u305f\u5bb6\u3092\u8cfc\u5165\u3059\u308b\u308f\u3051\u3067\u306f\u306a\u304f\u3001\u571f\u5730\u3092\u8cfc\u5165\u3057\u3053\u308c\u304b\u3089\u5bb6\u3092\u5efa\u7bc9\u3059\u308b\u306b\u3042\u305f\u308a\u3001<strong><span style=\"color: #ff0000;\">\u4e3b\u306b\uff14\u6bb5\u968e\u306b\u5206\u3051\u3066\u304a\u91d1\u304c\u5fc5\u8981\u3068\u306a\u308b\u304b\u3089<\/span><\/strong>\u3067\u3059\u3002<\/p>\n<p>\uff14\u6bb5\u968e\u3068\u306f\u6b21\u306e\u901a\u308a\u3067\u3059\u3002<\/p>\n<p><span style=\"font-size: 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