{"id":776,"date":"2019-08-09T18:39:13","date_gmt":"2019-08-09T09:39:13","guid":{"rendered":"https:\/\/fpbank.co.jp\/?post_type=column&#038;p=776"},"modified":"2023-03-13T11:24:46","modified_gmt":"2023-03-13T02:24:46","slug":"japan-housing-finance-agency","status":"publish","type":"post","link":"https:\/\/fpbank.co.jp\/column\/japan-housing-finance-agency","title":{"rendered":"\u4f4f\u5b85\u91d1\u878d\u652f\u63f4\u6a5f\u69cb\uff08\u65e7\u4f4f\u5b85\u91d1\u878d\u516c\u5eab\uff09\u3068\u306f\u4f55\u3092\u3057\u3066\u3044\u308b\u3068\u3053\u308d\u306a\u306e\u304b\uff1f"},"content":{"rendered":"\r\n<p>\u4f4f\u5b85\u91d1\u878d\u652f\u63f4\u6a5f\u69cb\u306f\u4f55\u3092\u3057\u3066\u3044\u308b\u3068\u3053\u308d\u3067\u3057\u3087\u3046\u304b\uff1f<\/p>\r\n<p>\u7aef\u7684\u306b\u3044\u3046\u3068\u3001\u79c1\u305f\u3061\u306e\u751f\u6d3b\u306b\u6b20\u304b\u305b\u306a\u3044\u4f4f\u5b85\u3092\u304a\u91d1\u306e\u9762\u304b\u3089\u652f\u63f4\u3092\u3057\u3066\u304f\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\r\n<p>\u672c\u8a18\u4e8b\u3067\u306f\u3001\u4f4f\u5b85\u91d1\u878d\u652f\u63f4\u6a5f\u69cb\u306b\u3064\u3044\u3066\u89e3\u8aac\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\r\n<table style=\"border-collapse: collapse; width: 100%;\">\r\n<tbody>\r\n<tr>\r\n<td style=\"width: 100%; background-color: #ffffe1;\">\u25bc\u30d5\u30e9\u30c3\u30c8\uff13\uff15\u306b\u3064\u3044\u3066\u306f\u3001\u3053\u3061\u3089\u306e\u8a18\u4e8b\u3067\u3082\u8a73\u3057\u304f\u89e3\u8aac\u3057\u3066\u3044\u307e\u3059\u3002<br \/>\r\n<span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/fpbank.co.jp\/column\/jutaku-what-is-flat35-3\" target=\"_blank\" rel=\"noopener\">\u30d5\u30e9\u30c3\u30c8\uff13\uff15\u3068\u306f\uff1f\u3069\u3093\u306a\u4f4f\u5b85\u30ed\u30fc\u30f3\u306a\u306e\u304b\u73fe\u5f79FP\u304c\u308f\u304b\u308a\u3084\u3059\u304f\u89e3\u8aac<\/a><\/strong><\/span><br \/>\r\n<span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/fpbank.co.jp\/column\/jutaku-flat35-technical-standards\" target=\"_blank\" rel=\"noopener\">\u30d5\u30e9\u30c3\u30c8\uff13\uff15\u306e\u9069\u5408\u8a3c\u660e\u3068\u306f\uff1f\u624b\u7d9a\u304d\u306e\u57fa\u672c\u304b\u3089\u53d6\u308c\u306a\u3044\u6642\u306e\u5bfe\u51e6\u6cd5\u307e\u3067\u89e3\u8aac<\/a><\/strong><\/span><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<div id=\"toc_container\" class=\"no_bullets\"><p class=\"toc_title\">\u76ee\u6b21<\/p><ul class=\"toc_list\"><li><a href=\"#i\">\uff11\uff0e\u4f4f\u5b85\u91d1\u878d\u652f\u63f4\u6a5f\u69cb\u306f\u3001\u4f4f\u5b85\u53d6\u5f97\u3092\u304a\u91d1\u306e\u9762\u304b\u3089\u652f\u63f4<\/a><\/li><li><a href=\"#i-2\">\uff12\uff0e\u4f4f\u5b85\u91d1\u878d\u652f\u63f4\u6a5f\u69cb\u3068\u8a00\u3048\u3070\u30d5\u30e9\u30c3\u30c8\uff13\uff15\uff01<\/a><ul><li><a href=\"#i-3\">\uff08\uff11\uff09\u5168\u671f\u9593\u56fa\u5b9a\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u306f\u73cd\u3057\u3044\uff1f<\/a><\/li><li><a href=\"#i-4\">\uff08\uff12\uff09\u30d5\u30e9\u30c3\u30c8\uff13\uff15\u306f\u6709\u5229\u304b\uff1f<\/a><\/li><li><a href=\"#S\">\uff08\uff13\uff09\u30d5\u30e9\u30c3\u30c8\uff13\uff15S\u3067\u512a\u826f\u4f4f\u5b85\u3092\u666e\u53ca<\/a><\/li><\/ul><\/li><li><a href=\"#i-5\">\uff13\uff0e\u707d\u5bb3\u6642\u3084\u5730\u57df\u7279\u6709\u306e\u8ab2\u984c\u89e3\u6c7a\u3082\uff01<\/a><ul><li><a href=\"#i-6\">\uff08\uff11\uff09\u707d\u5bb3\u6642\u306b\u306f\u5fa9\u8208\u3092\u652f\u63f4<\/a><\/li><li><a href=\"#i-7\">\uff08\uff12\uff09\u5730\u65b9\u516c\u5171\u56e3\u4f53\u3068\u3082\u5354\u5b9a<\/a><\/li><\/ul><\/li><li><a href=\"#i-8\">\uff14\uff0e\u307e\u3068\u3081<\/a><\/li><\/ul><\/div>\n<h2><span id=\"i\"><strong>\uff11\uff0e\u4f4f\u5b85\u91d1\u878d\u652f\u63f4\u6a5f\u69cb\u306f\u3001<\/strong>\u4f4f\u5b85\u53d6\u5f97\u3092\u304a\u91d1\u306e\u9762\u304b\u3089\u652f\u63f4<\/span><\/h2>\r\n<p>\u4f4f\u5b85\u91d1\u878d\u652f\u63f4\u6a5f\u69cb\uff08\u4ee5\u4e0b\u3001\u6a5f\u69cb\uff09\u3068\u306f\u3001\u79c1\u305f\u3061\u306e\u751f\u6d3b\u306b\u304b\u304b\u305b\u306a\u3044\u4f4f\u307e\u3044\u306e\u53d6\u5f97\u3092\u3001\u304a\u91d1\u306e\u9762\u304b\u3089\u652f\u63f4\u3059\u308b\u72ec\u7acb\u884c\u653f\u6cd5\u4eba\u3067\u3059\u3002<\/p>\r\n<p>\u6a5f\u69cb\u306f\u56fd\u6c11\u306e\u4f4f\u751f\u6d3b\u3092\u3088\u308a\u826f\u3044\u3082\u306e\u306b\u3059\u308b\u305f\u3081\u306b\u3001<\/p>\r\n<ul>\r\n\t<li>\u6c11\u9593\u306e\u91d1\u878d\u6a5f\u95a2\u3092\u901a\u3058\u305f\u3001\u5168\u671f\u9593\u56fa\u5b9a\u91d1\u5229\u30bf\u30a4\u30d7\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\uff08\u30d5\u30e9\u30c3\u30c835\uff09\u306e\u63d0\u4f9b<\/li>\r\n\t<li>\u4f4f\u5b85\u306b\u95a2\u308f\u308b\u304a\u91d1\u306b\u95a2\u3059\u308b\u8abf\u67fb<\/li>\r\n\t<li>\u7701\u30a8\u30cd\u4f4f\u5b85\u30fb\u826f\u8cea\u4f4f\u5b85\u306e\u666e\u53ca\u6d3b\u52d5<\/li>\r\n\t<li>\u9707\u707d\u6642\u306e\u5fa9\u8208\u652f\u63f4<\/li>\r\n\t<li>\u7a7a\u304d\u5bb6\u5bfe\u7b56<\/li>\r\n<\/ul>\r\n<p>\u306a\u3069\u306e\u6d3b\u52d5\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\r\n<h2><span id=\"i-2\"><strong>\uff12\uff0e\u4f4f\u5b85\u91d1\u878d\u652f\u63f4\u6a5f\u69cb\u3068\u8a00\u3048\u3070\u30d5\u30e9\u30c3\u30c8\uff13\uff15\uff01<\/strong><\/span><\/h2>\r\n<h3><span id=\"i-3\">\uff08\uff11\uff09\u5168\u671f\u9593\u56fa\u5b9a\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u306f\u73cd\u3057\u3044\uff1f<\/span><\/h3>\r\n<p>\u5148\u307b\u3069\u3082\u304a\u8a71\u3057\u307e\u3057\u305f\u304c\u3001\u6a5f\u69cb\u304c\u53d6\u6271\u3046\u30d5\u30e9\u30c3\u30c8\uff13\uff15\u306f\u5168\u671f\u9593\u56fa\u5b9a\u3067\u3059\u3002<\/p>\r\n<p>\u6c11\u9593\u306e\u91d1\u878d\u6a5f\u95a2\u3067\u3082\u3001\uff15\u5e74\u56fa\u5b9a\u3084\uff11\uff10\u5e74\u56fa\u5b9a\u3068\u3044\u3046\u91d1\u5229\u4f53\u7cfb\u304c\u3042\u308a\u307e\u3059\u3002<br \/>\r\n\u3053\u308c\u306f\u6c7a\u3081\u3089\u308c\u305f\u671f\u9593\u306e\u91d1\u5229\u306f\u5909\u308f\u3089\u306a\u3044\u304c\u3001\u305d\u306e\u5f8c\u306f\u305d\u306e\u6642\u306e\u5e02\u5834\u91d1\u5229\u306b\u5fdc\u3058\u3066\u91d1\u5229\u304c\u5909\u66f4\u3055\u308c\u308b\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u3002<\/p>\r\n<p>\u4e00\u65b9\u306e\u30d5\u30e9\u30c3\u30c8\uff13\uff15\u306f\uff13\uff15\u5e74\u9593\u91d1\u5229\u304c\u5909\u308f\u308a\u307e\u305b\u3093\u304c\u3001\u6c11\u9593\u91d1\u878d\u6a5f\u95a2\u3067\uff13\uff15\u5e74\u56fa\u5b9a\u306e\u53d6\u6271\u3044\u306f\u3042\u307e\u308a\u591a\u304f\u306a\u3044\u3067\u3059\u3002<br \/>\r\n\u91d1\u878d\u6a5f\u95a2\u304b\u3089\u3059\u308b\u3068\u9577\u671f\u9593\u91d1\u5229\u304c\u56fa\u5b9a\u3055\u308c\u308b\u3068\u5e02\u5834\u91d1\u5229\u304c\u4e0a\u304c\u3063\u305f\u6642\u306b\u5229\u76ca\u304c\u4e0b\u304c\u308b\u304b\u6700\u60aa\u306e\u5834\u5408\u3001\u30de\u30a4\u30ca\u30b9\u306b\u306a\u3063\u3066\u3057\u307e\u3046\u30ea\u30b9\u30af\u304c\u3042\u308b\u304b\u3089\u3067\u3059\u3002<\/p>\r\n<h3><span id=\"i-4\">\uff08\uff12\uff09\u30d5\u30e9\u30c3\u30c8\uff13\uff15\u306f\u6709\u5229\u304b\uff1f<\/span><\/h3>\r\n<p>\u65e5\u9280\u306b\u3088\u308b\u30de\u30a4\u30ca\u30b9\u91d1\u5229\u4ee5\u964d\u3001\u5909\u52d5\u91d1\u5229\u3068\u56fa\u5b9a\u91d1\u5229\u306e\u5dee\u304c\u7e2e\u5c0f\u3057\u305f\u3053\u3068\u3067\u3001\u5f0a\u793e\u3067\u3082\u5909\u52d5\u3068\u56fa\u5b9a\u3069\u3061\u3089\u3067\u30ed\u30fc\u30f3\u3092\u7d44\u3093\u3060\u65b9\u304c\u3044\u3044\u306e\u304b\u3068\u3044\u3046\u76f8\u8ac7\u304c\u5897\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\r\n<p>\uff12\uff10\u5e74\u4ee5\u4e0a\u7d9a\u304f\u4f4e\u91d1\u5229\u306e\u72b6\u6cc1\u3084\u91d1\u5229\u306e\u4f4e\u3055\u304b\u3089\u3053\u308c\u307e\u3067\u3001\u5909\u52d5\u91d1\u5229\u304c\u9b45\u529b\u7684\u3067\u3057\u305f\u304c\u3001\u30de\u30a4\u30ca\u30b9\u91d1\u5229\u4ee5\u964d\u306f\u30d5\u30e9\u30c3\u30c8\uff13\uff15\u306e\u56fa\u5b9a\u91d1\u5229\u306b\u3082\u6ce8\u76ee\u304c\u96c6\u307e\u3063\u3066\u304d\u3066\u3044\u307e\u3059\u3002<\/p>\r\n<p>\u4f4f\u5b85\u30ed\u30fc\u30f3\u91d1\u5229\u304c\u5909\u308f\u3089\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u306f\u8fd4\u6e08\u984d\u304c\u5909\u308f\u3089\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u5bb6\u8a08\u304b\u3089\u51fa\u308b\u304a\u91d1\u304c\u660e\u78ba\u306b\u306a\u308b\u305f\u3081\u3001\u30e9\u30a4\u30d5\u30d7\u30e9\u30f3\u306f\u7acb\u3066\u3084\u3059\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\r\n<h3><span id=\"S\">\uff08\uff13\uff09\u30d5\u30e9\u30c3\u30c8\uff13\uff15S\u3067\u512a\u826f\u4f4f\u5b85\u3092\u666e\u53ca<\/span><\/h3>\r\n<p>\u30d5\u30e9\u30c3\u30c8\uff13\uff15\u306e\u4e2d\u306b\u306f\u30d5\u30e9\u30c3\u30c835\u301dS\u301f\u3068\u3044\u3046\u3082\u306e\u304c\u3042\u308a\u307e\u3059\u3002<br \/>\r\n\u3053\u308c\u306f\u74b0\u5883\u306b\u3044\u3044\u7701\u30a8\u30cd\u7269\u4ef6\u3084\u3001\u8010\u9707\u6027\u306b\u512a\u308c\u305f\u7269\u4ef6\u306e\u8cfc\u5165\u3092\u3059\u308b\u969b\u306b\u3001\u30d5\u30e9\u30c3\u30c8\uff13\uff15\u304b\u3089\u91d1\u5229\u3092\u4e00\u5b9a\u671f\u9593\u5f15\u304d\u4e0b\u3052\u308b\u3068\u3044\u3046\u5236\u5ea6\u3067\u3059\u3002<\/p>\r\n<p>\u3069\u3093\u306a\u4f4f\u5b85\u304b\u306f\u3001\u4ee5\u4e0b\u306e\uff14\u3064\u306b\u5206\u985e\u3055\u308c\u307e\u3059\u3002<\/p>\r\n<ol>\r\n\t<li>\u7701\u30a8\u30cd\u30eb\u30ae\u30fc\u6027\u306b\u512a\u308c\u305f\u4f4f\u5b85<\/li>\r\n\t<li>\u8010\u9707\u6027\u306b\u512a\u308c\u305f\u4f4f\u5b85<\/li>\r\n\t<li>\u30d0\u30ea\u30a2\u30d5\u30ea\u30fc\u6027\u306b\u512a\u308c\u305f\u4f4f\u5b85<\/li>\r\n\t<li>\u8010\u4e45\u6027\u30fb\u53ef\u5909\u6027\u306b\u512a\u308c\u305f\u4f4f\u5b85<\/li>\r\n<\/ol>\r\n<p>\u30d5\u30e9\u30c3\u30c835S\u306eA\u30bf\u30a4\u30d7\u3067\u3042\u308c\u3070\u300110\u5e74\u9593\u25b20.25\uff05\u5f15\u304d\u4e0b\u3052\u3089\u308c\u308b\u306e\u3067\u7dcf\u8fd4\u6e08\u984d\u306b\u5927\u304d\u306a\u5dee\u304c\u51fa\u307e\u3059\u3002<br \/>\r\n\u3053\u306e\u3088\u3046\u306b\u512a\u826f\u4f4f\u5b85\u306b\u5bfe\u3057\u3066\u91d1\u5229\u512a\u9047\u3092\u884c\u3046\u3053\u3068\u306b\u3088\u3063\u3066\u3001\u512a\u826f\u4f4f\u5b85\u306e\u666e\u53ca\u306b\u3064\u306a\u3052\u3066\u3044\u308b\u306e\u3067\u3059\u3002<\/p>\r\n<h2><span id=\"i-5\"><strong>\uff13\uff0e\u707d\u5bb3\u6642\u3084\u5730\u57df\u7279\u6709\u306e\u8ab2\u984c\u89e3\u6c7a\u3082\uff01<\/strong><\/span><\/h2>\r\n<h3><span id=\"i-6\">\uff08\uff11\uff09\u707d\u5bb3\u6642\u306b\u306f\u5fa9\u8208\u3092\u652f\u63f4<\/span><\/h3>\r\n<p>\u751f\u6d3b\u306b\u3068\u3063\u3066\u4f4f\u307e\u3044\u306f\u5927\u4e8b\u306a\u3082\u306e\u3002\u5730\u9707\u306a\u3069\u306e\u5927\u304d\u306a\u707d\u5bb3\u304c\u8d77\u304d\u305f\u3068\u304d\u3001\u6a5f\u69cb\u306f\u4e00\u65e5\u3067\u3082\u65e5\u5e38\u306e\u751f\u6d3b\u304c\u53d6\u308a\u623b\u305b\u308b\u3088\u3046\u306b\u5fa9\u8208\u3092\u652f\u63f4\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\r\n<p>\u4f8b\u3048\u3070\u3001\u88ab\u707d\u8005\u304c\u5bb6\u3092\u518d\u5efa\u3059\u308b\u969b\u306e\u878d\u8cc7\u3092\u3057\u305f\u308a\u3001\u88ab\u707d\u8005\u304c\u76f4\u63a5\u76f8\u8ac7\u3067\u304d\u308b\u3088\u3046\u306b\u73fe\u5730\u306b\u7a93\u53e3\u3092\u8a2d\u7f6e\u3057\u3066\u3044\u307e\u3059\u3002<br \/>\r\n\u307e\u305f\u3001\u5e73\u621023\u5e74\u306b\u8d77\u304d\u305f\u6771\u65e5\u672c\u5927\u9707\u707d\u3067\u306f\u88ab\u707d\u3055\u308c\u305f\u65b9\u304c\u65b0\u3057\u304f\u4f4f\u5b85\u3092\u8cfc\u5165\u3057\u305f\u5834\u5408\u3001\u5f53\u521d5\u5e74\u9593\u91d1\u5229\u30920\uff05\u307e\u3067\u5f15\u304d\u4e0b\u3052\u308b\u3001\u707d\u5bb3\u5fa9\u8208\u4f4f\u5b85\u878d\u8cc7\u3092\u5229\u7528\u3059\u308b\u3068\u304d\u306b\u88ab\u707d\u3057\u305f\u3053\u3068\u3092\u8a3c\u660e\u3059\u308b\u300c\u308a\u707d\u8a3c\u660e\u66f8\u300d\u3092\u4e0d\u8981\u306b\u3059\u308b\u51e6\u7f6e\u306a\u3069\u3092\u57f7\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\r\n<h3><span 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