{"id":1326,"date":"2026-07-25T09:24:32","date_gmt":"2026-07-25T00:24:32","guid":{"rendered":"https:\/\/www.ky-consultant.jp\/blog\/?p=1326"},"modified":"2026-08-16T06:34:01","modified_gmt":"2026-08-15T21:34:01","slug":"jutaku-loan-genzei-2030","status":"publish","type":"post","link":"https:\/\/www.ky-consultant.jp\/blog\/jutaku-loan-genzei-2030\/","title":{"rendered":"\u4f4f\u5b85\u30ed\u30fc\u30f3\u6e1b\u7a0e\u304c2030\u5e74\u307e\u3067\u5ef6\u9577\uff01\u4e2d\u53e4\u4f4f\u5b85\u304c\u72d9\u3044\u76ee\u306a\u7406\u7531"},"content":{"rendered":"<p>&#x1f4d6; \u3053\u306e\u8a18\u4e8b\u306f\u7d041,800\u6587\u5b57\u3067\u3059\uff08\u8aad\u4e86\u76ee\u5b89\uff1a\u7d044\u5206\uff09<\/p>\n<p>\u4f4f\u5b85\u30ed\u30fc\u30f3\u6e1b\u7a0e\uff08\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664\uff09\u304c2030\u5e7412\u670831\u65e5\u307e\u30675\u5e74\u9593\u5ef6\u9577\u3055\u308c\u307e\u3057\u305f\u3002<\/p>\n<p>2025\u5e74\u672b\u3067\u7d42\u4e86\u3059\u308b\u4e88\u5b9a\u3060\u3063\u305f\u3068\u3053\u308d\u3001\u65b0\u7bc9\u4f4f\u5b85\u306e\u5728\u5eab\u4e0d\u8db3\u3084\u5efa\u6750\u8cbb\u306e\u9ad8\u9a30\u306b\u3088\u308b\u4f4f\u5b85\u53d6\u5f97\u306e\u56f0\u96e3\u3055\u3092\u8003\u616e\u3057\u3066\u5ef6\u9577\u304c\u6c7a\u307e\u308a\u307e\u3057\u305f\u3002\u3055\u3089\u306b\u7701\u30a8\u30cd\u6027\u80fd\u306b\u95a2\u3059\u308b\u501f\u5165\u9650\u5ea6\u984d\u306e\u5f15\u304d\u4e0a\u3052\u3068\u4e2d\u53e4\u4f4f\u5b85\u3078\u306e\u512a\u9047\u304c\u8ffd\u52a0\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<hr \/>\n<h2>\u5909\u66f4\u5185\u5bb9\u306e\u4e00\u89a7<\/h2>\n<div style=\"overflow-x: auto; margin-bottom: 1em\">\n<table style=\"border-collapse: collapse; width: auto\">\n<thead>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">\u5909\u66f4\u9805\u76ee<\/th>\n<th style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">\u5909\u66f4\u524d<\/th>\n<th style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">\u5909\u66f4\u5f8c<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">\u9069\u7528\u671f\u9650<\/td>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">2025\u5e7412\u670831\u65e5\u307e\u3067<\/td>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">2030\u5e7412\u670831\u65e5\u307e\u3067<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">\u7701\u30a8\u30cd\u57fa\u6e96\u8a8d\u5b9a\u4f4f\u5b85\u306e\u501f\u5165\u9650\u5ea6\u984d<\/td>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">3,000\u4e07\u5186<\/td>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">3,500\u4e07\u5186<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">\u5b50\u80b2\u3066\u4e16\u5e2f\u30fb\u82e5\u8005\u592b\u5a66\u4e16\u5e2f\uff08\u7701\u30a8\u30cd\u8a8d\u5b9a\uff09<\/td>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">4,000\u4e07\u5186<\/td>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">4,500\u4e07\u5186<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">\u4e2d\u53e4\u4f4f\u5b85\u306e\u63a7\u9664\u671f\u9593<\/td>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">10\u5e74<\/td>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">13\u5e74\uff08\u4e00\u90e8\u5bfe\u8c61\uff09<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">\u7701\u30a8\u30cd\u8981\u4ef6\uff08\u65b0\u7bc9\uff09<\/td>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">50\u33a1\u4ee5\u4e0a<\/td>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">40\u301c50\u33a1\u672a\u6e80\u306e\u4e00\u90e8\u3082\u5bfe\u8c61<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>\u63a7\u9664\u7387\u306f0.7%\u3067\u3001\u6700\u957713\u5e74\u9593\u306e\u63a7\u9664\u671f\u9593\u3067\u3059\uff08\u7701\u30a8\u30cd\u57fa\u6e96\u3092\u6e80\u305f\u3059\u65b0\u7bc9\u306e\u5834\u5408\uff09\u3002<\/p>\n<hr \/>\n<h2>\u6700\u5927\u306e\u7bc0\u7a0e\u52b9\u679c\u3092\u8a66\u7b97\u3059\u308b<\/h2>\n<p>\u7701\u30a8\u30cd\u57fa\u6e96\u8a8d\u5b9a\u4f4f\u5b85\uff08\u65b0\u7bc9\uff09\u3092\u8cfc\u5165\u3057\u305f\u5834\u5408\uff1a<br \/>\n3,500\u4e07\u5186 \u00d7 0.7% \u00d7 13\u5e74 = \u6700\u5927318.5\u4e07\u5186<\/p>\n<p>\u5b50\u80b2\u3066\u4e16\u5e2f\u30fb\u82e5\u8005\u592b\u5a66\u4e16\u5e2f\uff08\u7701\u30a8\u30cd\u8a8d\u5b9a\u30fb\u65b0\u7bc9\uff09\u3092\u8cfc\u5165\u3057\u305f\u5834\u5408\uff1a<br \/>\n4,500\u4e07\u5186 \u00d7 0.7% \u00d7 13\u5e74 = \u6700\u5927409.5\u4e07\u5186<\/p>\n<p>\u305f\u3060\u3057\u6bce\u5e74\u306e\u63a7\u9664\u984d\u306f\u30ed\u30fc\u30f3\u6b8b\u9ad8\u306b\u3088\u3063\u3066\u5909\u52d5\u3059\u308b\u305f\u3081\u3001\u5b9f\u969b\u306e\u7bc0\u7a0e\u52b9\u679c\u306f\u3053\u308c\u3088\u308a\u5c11\u306a\u304f\u306a\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<hr \/>\n<h2>\u4f4f\u5b85\u30ed\u30fc\u30f3\u6e1b\u7a0e\u3092\u53d7\u3051\u308b\u305f\u3081\u306b\u5fc5\u8981\u306a\u624b\u7d9a\u304d<\/h2>\n<p>\u4f4f\u5b85\u30ed\u30fc\u30f3\u6e1b\u7a0e\u306f\u8cfc\u5165\u5f8c\u306e\u521d\u5e74\u5ea6\u306f\u78ba\u5b9a\u7533\u544a\u304c\u5fc5\u8981\u3067\u3059\u30022\u5e74\u76ee\u4ee5\u964d\u306f\u5e74\u672b\u8abf\u6574\u3067\u81ea\u52d5\u7684\u306b\u51e6\u7406\u3055\u308c\u307e\u3059\u3002\u5fc5\u8981\u66f8\u985e\u306f\u4f4f\u5b85\u501f\u5165\u91d1\u7b49\u7279\u5225\u63a7\u9664\u7533\u544a\u66f8\u30fb\u6b8b\u9ad8\u8a3c\u660e\u66f8\u30fb\u767b\u8a18\u4e8b\u9805\u8a3c\u660e\u66f8\u306a\u3069\u3067\u3059\u3002<\/p>\n<p>\u4f4f\u5b85\u3092\u8cfc\u5165\u3057\u305f\u7fcc\u5e74\u306e2\u301c3\u6708\u304c\u7533\u544a\u671f\u9650\u3068\u306a\u308b\u305f\u3081\u3001\u521d\u5e74\u5ea6\u306e\u78ba\u5b9a\u7533\u544a\u3092\u5fd8\u308c\u305a\u306b\u884c\u3046\u3053\u3068\u304c\u5927\u5207\u3067\u3059\u3002<\/p>\n<hr \/>\n<h2>\u7701\u30a8\u30cd\u6027\u80fd\u306e\u78ba\u8a8d\u304c\u91cd\u8981<\/h2>\n<p>\u4eca\u56de\u306e\u6539\u6b63\u3067\u306f\u501f\u5165\u9650\u5ea6\u984d\u304c\u300c\u7701\u30a8\u30cd\u57fa\u6e96\u3092\u6e80\u305f\u3059\u304b\u3069\u3046\u304b\u300d\u3067\u5927\u304d\u304f\u5909\u308f\u308a\u307e\u3059\u3002\u8cfc\u5165\u3059\u308b\u4f4f\u5b85\u304c\u8a8d\u5b9a\u9577\u671f\u512a\u826f\u4f4f\u5b85\u30fbZEH\u30fb\u7701\u30a8\u30cd\u57fa\u6e96\u9069\u5408\u4f4f\u5b85\u306e\u3069\u308c\u306b\u8a72\u5f53\u3059\u308b\u304b\u306b\u3088\u3063\u3066\u3001\u9069\u7528\u3067\u304d\u308b\u6700\u5927\u501f\u5165\u9650\u5ea6\u984d\u304c\u7570\u306a\u308a\u307e\u3059\u3002\u4f4f\u5b85\u8cfc\u5165\u524d\u306b\u5fc5\u305a\u30cf\u30a6\u30b9\u30e1\u30fc\u30ab\u30fc\u3084\u4e0d\u52d5\u7523\u4f1a\u793e\u306b\u78ba\u8a8d\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u307e\u305f\u30012026\u5e74\u4ee5\u964d\u306b\u5efa\u7bc9\u78ba\u8a8d\u3092\u53d7\u3051\u308b\u65b0\u7bc9\u4f4f\u5b85\u306b\u306f\u7701\u30a8\u30cd\u57fa\u6e96\u306e\u9069\u5408\u304c\u7fa9\u52d9\u4ed8\u3051\u3089\u308c\u308b\u305f\u3081\u3001\u4eca\u5f8c\u306f\u7701\u30a8\u30cd\u57fa\u6e96\u3092\u6e80\u305f\u3055\u306a\u3044\u4f4f\u5b85\u306f\u539f\u5247\u3068\u3057\u3066\u5efa\u7bc9\u3067\u304d\u306a\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<hr \/>\n<h2>\u4f4f\u5b85\u30ed\u30fc\u30f3\u6e1b\u7a0e\u3092\u6700\u5927\u9650\u6d3b\u7528\u3059\u308b\u305f\u3081\u306e\u30dd\u30a4\u30f3\u30c8<\/h2>\n<p><strong>\u7701\u30a8\u30cd\u7b49\u4f4f\u5b85\u306e\u8a8d\u5b9a\u3092\u53d7\u3051\u308b\u3053\u3068\u304c\u91cd\u8981<\/strong><\/p>\n<p>\u501f\u5165\u9650\u5ea6\u984d\u306f\u7701\u30a8\u30cd\u7b49\u4f4f\u5b85\u304b\u3069\u3046\u304b\u3067\u5927\u304d\u304f\u5909\u308f\u308a\u307e\u3059\u3002\u8a8d\u5b9a\u9577\u671f\u512a\u826f\u4f4f\u5b85\u30fb\u8a8d\u5b9a\u4f4e\u70ad\u7d20\u4f4f\u5b85\u30fbZEH\u6c34\u6e96\u7701\u30a8\u30cd\u4f4f\u5b85\u30fb\u7701\u30a8\u30cd\u57fa\u6e96\u9069\u5408\u4f4f\u5b85\u306e4\u7a2e\u985e\u304c\u3042\u308a\u3001\u305d\u308c\u305e\u308c\u501f\u5165\u9650\u5ea6\u984d\u304c\u7570\u306a\u308a\u307e\u3059\u3002\u4f4f\u5b85\u8cfc\u5165\u306e\u969b\u306b\u306f\u3001\u3069\u306e\u8a8d\u5b9a\u3092\u53d7\u3051\u3089\u308c\u308b\u304b\u3092\u30cf\u30a6\u30b9\u30e1\u30fc\u30ab\u30fc\u30fb\u4e0d\u52d5\u7523\u4f1a\u793e\u306b\u78ba\u8a8d\u3059\u308b\u3053\u3068\u304c\u3001\u63a7\u9664\u984d\u6700\u5927\u5316\u306e\u7b2c\u4e00\u6b69\u3067\u3059\u3002<\/p>\n<p><strong>\u5e74\u672b\u8abf\u6574\u30fb\u78ba\u5b9a\u7533\u544a\u306e\u624b\u7d9a\u304d\u3092\u5fd8\u308c\u306a\u3044<\/strong><\/p>\n<p>\u4f4f\u5b85\u30ed\u30fc\u30f3\u6e1b\u7a0e\u306e\u63a7\u9664\u306f\u81ea\u52d5\u7684\u306b\u9069\u7528\u3055\u308c\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u8cfc\u5165\u3057\u305f\u5e74\u306e\u7fcc\u5e742\u301c3\u6708\u306b\u78ba\u5b9a\u7533\u544a\u304c\u5fc5\u8981\u3067\u3059\u3002\u5fc5\u8981\u306a\u66f8\u985e\uff08\u4f4f\u5b85\u501f\u5165\u91d1\u7b49\u7279\u5225\u63a7\u9664\u7533\u544a\u66f8\u30fb\u91d1\u878d\u6a5f\u95a2\u306e\u6b8b\u9ad8\u8a3c\u660e\u66f8\u30fb\u767b\u8a18\u4e8b\u9805\u8a3c\u660e\u66f8\u30fb\u58f2\u8cb7\u5951\u7d04\u66f8\u306e\u30b3\u30d4\u30fc\u306a\u3069\uff09\u3092\u4e8b\u524d\u306b\u6e96\u5099\u3057\u3066\u304a\u304d\u307e\u3057\u3087\u3046\u30022\u5e74\u76ee\u4ee5\u964d\u306f\u5e74\u672b\u8abf\u6574\u3067\u51e6\u7406\u3067\u304d\u307e\u3059\u3002<\/p>\n<p><strong>\u4e2d\u53e4\u4f4f\u5b85\u3067\u3082\u63a7\u9664\u304c\u53d7\u3051\u3089\u308c\u308b<\/strong><\/p>\n<p>\u4e2d\u53e4\u4f4f\u5b85\u306e\u5834\u5408\u3067\u3082\u3001\u4e00\u5b9a\u306e\u7701\u30a8\u30cd\u8981\u4ef6\u3092\u6e80\u305f\u3059\u4f4f\u5b85\u3067\u3042\u308c\u307013\u5e74\u9593\u306e\u63a7\u9664\u304c\u9069\u7528\u3055\u308c\u307e\u3059\uff08\u4e00\u90e8\u5bfe\u8c61\uff09\u3002\u30ea\u30d5\u30a9\u30fc\u30e0\u3092\u7d44\u307f\u5408\u308f\u305b\u305f\u8cfc\u5165\u306e\u5834\u5408\u306f\u3001\u30ea\u30d5\u30a9\u30fc\u30e0\u30ed\u30fc\u30f3\u3068\u306e\u7d44\u307f\u5408\u308f\u305b\u63a7\u9664\u306b\u3064\u3044\u3066\u3082\u78ba\u8a8d\u3059\u308b\u3053\u3068\u3092\u304a\u3059\u3059\u3081\u3057\u307e\u3059\u3002<\/p>\n<hr \/>\n<p>\u4f4f\u5b85\u306f\u4eba\u751f\u3067\u6700\u3082\u5927\u304d\u306a\u8cb7\u3044\u7269\u306e\u4e00\u3064\u3067\u3059\u3002\u30ed\u30fc\u30f3\u6e1b\u7a0e\u3092\u542b\u3081\u305f\u7dcf\u5408\u7684\u306a\u30b3\u30b9\u30c8\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\u3092\u4e8b\u524d\u306b\u884c\u3046\u3053\u3068\u304c\u5927\u5207\u3067\u3059\u3002<\/p>\n<p>\u7a0e\u5236\u3092\u6b63\u3057\u304f\u7406\u89e3\u3057\u3066\u3001\u6700\u5584\u306e\u9078\u629e\u3092\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<hr 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