{"id":1288,"date":"2012-05-21T17:54:32","date_gmt":"2012-05-22T01:54:32","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=1288"},"modified":"2012-05-14T13:17:43","modified_gmt":"2012-05-14T21:17:43","slug":"15yr-vs-30yr-mortgage","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/15yr-vs-30yr-mortgage\/","title":{"rendered":"\u30e2\u30fc\u30b2\u30fc\u30b8\u3000\uff0d\u300015\u5e74\u30ed\u30fc\u30f3\u306830\u5e74\u30ed\u30fc\u30f3\u3069\u3063\u3061\u3092\u9078\u3076\uff1f"},"content":{"rendered":"

\u300c\u3082\u3046\u30ea\u30bf\u30a4\u30e4\u3082\u8996\u91ce\u306b\u5165\u308b\u5e74\u9f62\u3060\u3057\u3001\u91d1\u5229\u3082\u5b89\u3044\u304b\u3089\u3001\u601d\u3044\u5207\u3063\u306615\u5e74\u30ed\u30fc\u30f3\u3092\u7d44\u307f\u305f\u3044\u300d\u3001\u300c\u501f\u91d1\u306f\u3067\u304d\u308b\u3060\u3051\u65e9\u304f\u8fd4\u3057\u305f\u3044\u304b\u3089\u3001\u304c\u3093\u3070\u3063\u306615\u5e74\u30ed\u30fc\u30f3\u3067\u6255\u3044\u304d\u308a\u305f\u3044\u300d\u306a\u3069\u300115\u5e74\u30ed\u30fc\u30f3\u3092\u9078\u3076\u4eba\u3082\u591a\u3044\u3067\u3057\u3087\u3046\u3002\u6b74\u53f2\u7684\u306a\u4f4e\u91d1\u5229\u306e\u4eca\u300115\u5e74\u30ed\u30fc\u30f3\u3060\u3068\u3055\u3089\u306b\u91d1\u5229\u304c\u304a\u5f97\u306b\u306a\u308a\u307e\u3059\u300215\u5e74\u306830\u5e74\u3068\u306e\u5dee\u306f0.5%\u307b\u3069\u3067\u3057\u3087\u3046\u304b\u3002\u30ed\u30fc\u30f3\u671f\u9593\u306b\u652f\u6255\u3046\u91d1\u5229\u306e\u984d\u3092\u6bd4\u3079\u3066\u307f\u308b\u3068\u3001\u968f\u5206\u3068\u5dee\u304c\u3042\u308a\u307e\u3059\u3002\u306a\u3093\u3068\u304b\u6255\u3048\u308b\u306a\u3089\u307015\u5e74\u3067\u6255\u3044\u304d\u3063\u3066\u3057\u307e\u304a\u3046\u3068\u8003\u3048\u308b\u306e\u3082\u3046\u306a\u305a\u3051\u307e\u3059\u3002\u3069\u3061\u3089\u304c\u3044\u3044\u304b\u30fb\u30fb\u3053\u308c\u306f\u3001\u305d\u308c\u305e\u308c\u306e\u5bb6\u5ead\u306e\u9577\u671f\u7684\u306a\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30d7\u30e9\u30f3\u306e\u306a\u304b\u3067\u6c7a\u3081\u308b\u3079\u304d\u3053\u3068\u3067\u3001\u8ab0\u306b\u3082\u5f53\u3066\u306f\u307e\u308b\u7b54\u3048\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u4eca\u56de\u306f\u3053\u306e\u554f\u984c\u3092\u8003\u3048\u3066\u898b\u307e\u3057\u3087\u3046\u3002<\/p>\n

 <\/p>\n

15\u5e74\u30ed\u30fc\u30f3\u3000\u5bfe\u300030\u5e74\u30ed\u30fc\u30f3<\/h2>\n

$300,000\u3092\u501f\u308a\u308b\u3068\u3057\u307e\u3059\u300230\u5e74\u56fa\u5b9a\u91d1\u5229\u30ed\u30fc\u30f3\u306e\u91d1\u5229\u306f3.25%\u300115\u5e74\u56fa\u5b9a\u91d1\u5229\u30ed\u30fc\u30f3\u306e\u91d1\u5229\u306f2.75%\u3068\u3057\u307e\u3059\u3002\u3053\u306e\u4e8c\u3064\u3092\u6bd4\u3079\u3066\u307f\u308b\u3068\u4e0b\u306e\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n

\"\"<\/a><\/p>\n

\u6708\u3005\u306e\u8fd4\u6e08\u984d\u306f\u300130\u5e74\u304c$1,306\u3067\u3042\u308b\u306e\u306b\u5bfe\u3057\u300115\u5e74\u306f$2,036\u3067\u3001\u7d04$700\u591a\u304f\u306a\u308a\u307e\u3059\u3002\u305d\u306e\u304a\u304b\u3052\u3067\u300115\u5e74\u306e\u307b\u3046\u306f15\u5e74\u65e9\u3044\u30012027\u5e74\u306b\u30ed\u30fc\u30f3\u5b8c\u6e08\u3068\u306a\u308a\u307e\u3059\u3002\u30ed\u30fc\u30f3\u306e\u6700\u521d\u304b\u3089\u6700\u5f8c\u307e\u3067\u3067\u6255\u3046\u30c8\u30fc\u30bf\u30eb\u306e\u5229\u5b50\u984d\u3092\u307f\u308b\u3068\u300130\u5e74\u306f$170,023\u3067\u3042\u308a\u300115\u5e74\u30ed\u30fc\u30f3\u306e\u305d\u308c\u306e2.6\u500d\u3082\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u308c\u3060\u3051\u898b\u308b\u3068\u3001\u3082\u3057\u3061\u3087\u3063\u3068\u30ad\u30c4\u304f\u3066\u3082$2,036\u6255\u3048\u308b\u529b\u304c\u3042\u308b\u306e\u306a\u3089\u300115\u5e74\u30ed\u30fc\u30f3\u3067\u3044\u3053\u3046\u3068\u6c7a\u3081\u308b\u306e\u3082\u7121\u7406\u306f\u3042\u308a\u307e\u305b\u3093\u300215\u5e74\u3067\u5b8c\u6e08\u3067\u304d\u308c\u3070\u3001\u8001\u5f8c\u306f\u30ed\u30fc\u30f3\u306e\u3053\u3068\u306f\u5fc3\u914d\u3057\u306a\u304f\u3066\u3082\u3044\u3044\u3068\u3044\u3046\u8a08\u7b97\u306a\u3089\u3070\u3001\u306a\u304a\u3055\u3089\u306e\u3053\u3068\u3067\u3059\u3002\u305f\u3060\u3057\u300115\u5e74\u30ed\u30fc\u30f3\u306e\u305f\u3081\u306b\u5fc5\u8981\u306a\u6708\u3005\u306e\u8fd4\u6e08\u984d\u304c\u300115\u5e74\u9593\u3001\u3064\u307e\u308a\u5168\u90e8\u3067180\u56de\u3001\u6ede\u308a\u306a\u304f\u652f\u6255\u3048\u308b\u3053\u3068\u3092\u78ba\u8a8d\u3059\u308b\u3053\u3068\u304c\u5927\u5207\u3067\u3059\u3002<\/p>\n

\u5b50\u3069\u3082\u304c\u5927\u5b66\u306b\u884c\u304f\u3088\u3046\u306b\u306a\u3063\u305f\u3089\u5bb6\u8a08\u304c\u30ad\u30c4\u304f\u306a\u3063\u305f\u3001\u6025\u306a\u4e8b\u6545\u30672\u30f6\u6708\u50cd\u3051\u306a\u304f\u3066\u53ce\u5165\u304c\u6e1b\u3063\u305f\u306a\u3069\u3068\u3044\u3046\u72b6\u6cc1\u306b\u306a\u3063\u3066\u3082\u30ed\u30fc\u30f3\u8fd4\u6e08\u306f\u5f85\u3063\u3066\u304f\u308c\u307e\u305b\u3093\u3002\u975e\u5e38\u6642\u306e\u305f\u3081\u306e\u5341\u5206\u306a\u84c4\u3048<\/a>\u304c\u3042\u308a\u3001\u307e\u305f\u3082\u3057\u3082\u306e\u3068\u304d\u306e\u305f\u3081\u306b\u6240\u5f97\u4fdd\u969c\u4fdd\u967a\u306a\u3069\u306e\u5099\u3048\u304c\u3042\u308b\u3053\u3068\u3082\u5927\u5207\u3067\u3059\u3002\u307e\u305f\u300115\u5e74\u30ed\u30fc\u30f3\u306b\u3057\u305f\u305f\u3081\u3001\u8001\u5f8c\u306e\u8cc7\u91d1<\/a>\u304c\u3061\u3083\u3093\u3068\u305f\u3081\u308b\u4f59\u88d5\u304c\u306a\u304b\u3063\u305f\u306a\u3069\u3068\u3044\u3046\u3053\u3068\u3067\u306f\u3001\u30ea\u30bf\u30a4\u30e4\u3057\u305f\u3068\u304d\u306b\u672c\u672b\u8ee2\u5012\u306e\u7d50\u679c\u306b\u306a\u3063\u3066\u3057\u307e\u3044\u307e\u3059\u300215\u5e74\u30ed\u30fc\u30f3\u306b\u3059\u308b\u304b\u3089\u306b\u306f\u3001\u8fd4\u6e08\u984d\u304c\u3001\u5b66\u8cc7\u3084\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306a\u3069\u4ed6\u306e\u6e96\u5099\u3092\u72a0\u7272\u306b\u3059\u308b\u3053\u3068\u306a\u304f\u3001\u307e\u305f\u4f55\u304b\u30a2\u30af\u30b7\u30c7\u30f3\u30c8\u304c\u3042\u3063\u3066\u3082\u7d99\u7d9a\u3057\u3066\u3001\u304d\u3061\u3093\u3068\u8fd4\u6e08\u3057\u3066\u3044\u3051\u308b\u3053\u3068\u3092\u78ba\u8a8d\u305b\u306d\u3070\u306a\u308a\u307e\u305b\u3093\u3002<\/p>\n

\u3057\u304b\u3057\u88cf\u8fd4\u305b\u3070\u3001\u3053\u306e\u3053\u3068\u306f\u9577\u6240\u306b\u3082\u306a\u308a\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u304a\u91d1\u306b\u4f59\u88d5\u304c\u3042\u3063\u305f\u5834\u5408\u3001\u3064\u3044\u3064\u3044\u6d6a\u8cbb\u3057\u3066\u3057\u307e\u3044\u304c\u3061\u306a\u4eba\u306b\u3068\u3063\u3066\u306f\u3001\u6bce\u6708\u306e\u9ad8\u984d\u306e\u8fd4\u6e08\u306b\u5bfe\u3057\u3066\u30b3\u30df\u30c3\u30c8\u3059\u308b\u3053\u3068\u306f\u3001\u304a\u91d1\u3092\u7121\u99c4\u306a\u304f\u4f7f\u3046\u3001\u8cc7\u7523\u3092\u8caf\u3081\u308b\u3068\u3044\u3046\u610f\u5473\u3067\u597d\u307e\u3057\u3044\u3053\u3068\u3067\u3059\u3002\u5bb6\u5ead\u306e\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u306e\u72b6\u6cc1\u3068\u3054\u81ea\u5206\u306e\u30bf\u30a4\u30d7\u3092\u8003\u3048\u3066\u3001\u6c7a\u3081\u308b\u306e\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n

 <\/p>\n

\u30cf\u30a4\u30d6\u30ea\u30c3\u30c9\u7b56\u306f\u3044\u304b\u304c\uff1f<\/h2>\n

15\u5e74\u304b30\u5e74\u304b\u6c7a\u3081\u304b\u306d\u308b\u3068\u3044\u3046\u65b9\u306b\u306f\u300130\u5e74\u30ed\u30fc\u30f3\u3092\u4f7f\u3044\u3064\u3064\u3082\u3001\u65e9\u671f\u8fd4\u6e08\u3001\u5229\u5b50\u7bc0\u7d04\u306a\u3069\u306e15\u5e74\u30ed\u30fc\u30f3\u306e\u5229\u70b9\u3092\u5b9f\u73fe\u3059\u308b\u3088\u3046\u306a\u30cf\u30a4\u30d6\u30ea\u30c3\u30c9\u7b56\u3092\u3054\u7d39\u4ecb\u3057\u307e\u3059\u3002<\/p>\n

\u30cf\u30a4\u30d6\u30ea\u30c3\u30c9\u7b56\u306f\u300130\u5e74\u306e\u56fa\u5b9a\u91d1\u5229\u30ed\u30fc\u30f3\u3092\u501f\u308a\u5165\u308c\u3001\u6708\u3005\u306e\u8fd4\u6e08\u984d\u306f15\u5e74\u56fa\u5b9a\u91d1\u5229\u3068\u540c\u3058\u984d\u3060\u3051\u8fd4\u6e08\u3057\u3066\u3044\u304f\u3068\u3044\u3046\u65b9\u6cd5\u3067\u3059\u3002\u4e0b\u306e\u4f8b\u3067\u3044\u304d\u307e\u3059\u3068\u300130\u5e74\u30ed\u30fc\u30f3\u3092\u501f\u308a\u305f\u5834\u5408\u3001\u6708\u3005\u306e\u5fc5\u8981\u8fd4\u6e08\u984d\u306f$1,306\u3067\u3059\u304c\u3001\u305d\u308c\u306b$730\u5206\u3060\u3051\u4e0a\u4e57\u305b\u3057\u3066\u5408\u8a08$2,036\uff0815\u5e74\u30ed\u30fc\u30f3\u306e\u5fc5\u8981\u8fd4\u6e08\u984d\u3068\u540c\u984d\uff09\u3092\u8fd4\u6e08\u3059\u308b\u308f\u3051\u3067\u3059\u3002<\/p>\n

\"\"<\/a><\/p>\n

\u4f59\u5206\u306b\u6255\u3044\u8fbc\u3080$730\u306f\u3001\u3069\u3093\u3069\u3093\u30ed\u30fc\u30f3\u501f\u308a\u5165\u308c\u5143\u91d1\u3092\u6e1b\u3089\u3057\u3066\u3044\u304d\u307e\u3059\u306e\u3067\u3001\u7d50\u679c\u7684\u306b30\u5e74\u3088\u308a\u305a\u3063\u3068\u65e9\u304f\u30ed\u30fc\u30f3\u8fd4\u6e08\u304c\u53ef\u80fd\u3067\u3059\u3002\u91d1\u5229\u306f3.25%\u306e\u307e\u307e\u3067\u3059\u304c\u3001\u5143\u91d1\u304c\u65e9\u304f\u6e1b\u3089\u3055\u308c\u30ed\u30fc\u30f3\u306e\u5bff\u547d\u304c\u77ed\u304f\u306a\u308b\u305f\u3081\u3001\u30c8\u30fc\u30bf\u30eb\u5229\u5b50\u984d\u306f\u3082\u3068\u306e$170,023\u304b\u3089$83,387\u306b\u5927\u5e45\u306b\u6e1b\u984d\u3067\u304d\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\u30cf\u30a4\u30d6\u30ea\u30c3\u30c9\u7b56\u306e\u5229\u70b9\uff08\u4e0a\u306e\u30b1\u30fc\u30b9\u306e\u5834\u5408\uff09<\/h3>\n

*\u3000\u91d1\u5229\u304c2.75%\u306e15\u5e74\u30ed\u30fc\u30f3\u3068\u6bd4\u8f03\u3059\u308b\u3068\u3001\u5b8c\u6e08\u6642\u671f\u306f9\u30f6\u6708\u9045\u308c\u308b\u306e\u307f\u3001\u6255\u3044\u8fbc\u3080\u30c8\u30fc\u30bf\u30eb\u5229\u5b50\u984d\u306f$16,930\u591a\u3044\u3060\u3051\u3067\u3059\u3002
\n*\u3000\u3000\u6708\u3005\u306e\u5fc5\u8981\u8fd4\u6e08\u984d\u306f\u3042\u304f\u307e\u3067$1,306\u3067\u3059\u306e\u3067\u3001\u300c\u4eca\u6708\u306f\u3061\u3087\u3063\u3068\u30ad\u30c4\u3044\u306a\u300d\u3068\u3044\u3046\u6708\u306f$1,306\u6255\u3048\u3070OK\u3002\u53cd\u5bfe\u306b\u3001\u300c\u4eca\u6708\u306f\u81e8\u6642\u53ce\u5165\u304c\u3042\u3063\u305f\u300d\u3068\u3044\u3046\u6708\u306f\u3001$1,000\u3067\u3082$2,000\u3067\u3082\u4f59\u5206\u306b\u6255\u3044\u8fbc\u3080\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n

\u305d\u3046\u8003\u3048\u308b\u3068\u3001\u6700\u521d\u304b\u308915\u5e74\u30ed\u30fc\u30f3\u3092\u7d44\u3093\u3060\u5834\u5408\u3088\u308a\u4f59\u5206\u306b\u304b\u304b\u308b\u5229\u5b50$16,930\uff08\u3053\u308c\u306f\u6708\u3005$2,036\u30b3\u30f3\u30b9\u30bf\u30f3\u30c8\u306b\u6255\u3044\u8fbc\u3093\u3060\u5834\u5408\u306e\u6570\u5b57\u3067\u3059\u306e\u3067\u3001\u6255\u3044\u8fbc\u307f\u65b9\u306b\u3088\u3063\u3066\u3053\u306e\u6570\u5b57\u306f\u4e0a\u4e0b\u3057\u307e\u3059\uff09\u306f\u3001\u300c\u4fdd\u967a\u300d\u306b\u3088\u3046\u306a\u3082\u306e\u3068\u8003\u3048\u3089\u308c\u307e\u3059\u3002\u6255\u3048\u308b\u3068\u304d\u306b\u306f\u3069\u3093\u3069\u3093\u6255\u3046\u304c\u3001\u6255\u3048\u306a\u3044\u3068\u304d\u306b\u306f\u6255\u308f\u306a\u304f\u3066\u3044\u3044\u3068\u3044\u3046\u30d5\u30ec\u30ad\u30b7\u30d3\u30ea\u30c6\u30a3\u3092\u8cb7\u3063\u3066\u3044\u308b\u3068\u8003\u3048\u308c\u3070\u3001\u6c7a\u3057\u3066\u9ad8\u3044\u3082\u306e\u3067\u306f\u306a\u3044\u3088\u3046\u306a\u6c17\u304c\u3057\u307e\u3059\u3002<\/p>\n

\u307e\u305f\u300130\u5e74\u3082\u304b\u3051\u3066\u652f\u6255\u3046\u3068\u8003\u3048\u308b\u3068\u6c17\u304c\u9060\u304f\u306a\u308a\u307e\u3059\u304c\u300130\u5e74\u9593\u30823.25%\u3068\u3044\u3046\u6b74\u53f2\u7684\u4f4e\u91d1\u5229\u3067\u501f\u308a\u7d9a\u3051\u308b\u6a29\u5229\u3092\u5f97\u308b\u3068\u8003\u3048\u308b\u3068\u3001\u3061\u3087\u3063\u3068\u5f97\u3057\u305f\u6c17\u5206\u306b\u306a\u308a\u307e\u305b\u3093\u304b\uff1f15\u5e74\u5f8c\u3001\u91d1\u5229\u304c\u3069\u3046\u306a\u3063\u3066\u3044\u308b\u304b\u306f\u77e5\u308b\u7531\u3082\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u305f\u3060\u4eca\u304c\u6b74\u53f2\u7684\u4f4e\u91d1\u5229\u3067\u3042\u308b\u3053\u3068\u3092\u8003\u3048\u308b\u3068\u300115\u5e74\u5f8c\u3082\u305f\u307e\u305f\u307e\u6b74\u53f2\u7684\u4f4e\u91d1\u5229\u3067\u306a\u3044\u9650\u308a\u3001\u304a\u305d\u3089\u304f\u4eca\u3088\u308a\u91d1\u5229\u306f\u4e0a\u304c\u3063\u3066\u3044\u308b\u3067\u3057\u3087\u3046\u300230\u5e74\u56fa\u5b9a\u3067\u501f\u308a\u5165\u308c\u3066\u3044\u308c\u3070\u3001\u305d\u306e\u6642\u306e\u91d1\u5229\u304c\u3069\u3046\u3067\u3042\u308c\u3001\u6b74\u53f2\u7684\u4f4e\u91d1\u5229\u3067\u501f\u308a\u7d9a\u3051\u3089\u308c\u308b\u306e\u3067\u3059\u3002\u6255\u3063\u3066\u3057\u307e\u3044\u305f\u3051\u308c\u3070\u6255\u3063\u3066\u3057\u307e\u3044\u3001\u4ed6\u306b\u304a\u91d1\u304c\u5165\u7528\u3067\u5c11\u3057\u9577\u304f\u501f\u308a\u7d9a\u3051\u305f\u3051\u308c\u3070\u501f\u308a\u7d9a\u3051\u3089\u308c\u308b\u3068\u3044\u3046\u306e\u306f\u3001\u3046\u308c\u3057\u3044\u30d5\u30ec\u30ad\u30b7\u30d3\u30ea\u30c6\u30a3\u3067\u3059\u3002<\/p>\n

 <\/p>\n

\u3075\u305f\u3064\u6ce8\u610f\u70b9\u3002\u3002\u3002<\/h3>\n

\u3072\u3068\u3064\u3081\u306f\u3001\u3053\u306e\u30cf\u30a4\u30d6\u30ea\u30c3\u30c9\u7b56\u306f\u3001Prepayment penalty(\u65e9\u671f\u6255\u3044\u8fbc\u307f\u30da\u30ca\u30eb\u30c6\u30a3)\u304c\u3042\u308b\u30e2\u30fc\u30b2\u30fc\u30b8\u306b\u306f\u4f7f\u3048\u307e\u305b\u3093\u3002Prepayment penalty\u306f\u3001\u4e88\u5b9a\u3055\u308c\u305f\u8fd4\u6e08\u6642\u671f\u3088\u308a\u65e9\u304f\u8fd4\u6e08\u3059\u308b\u3068\u3001\u898f\u5b9a\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u304b\u304b\u308b\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u3002Prepayment\u3000penalty\u304c\u3042\u308b\u304b\u306a\u3044\u304b\u306f\u3001\u898b\u7a4d\u3082\u308a\u3092\u3088\u304f\u8aad\u3080\u3068\u304d\u3061\u3093\u3068\u66f8\u3044\u3066\u3042\u308b\u306f\u305a\u3067\u3059\u306e\u3067\u3001\u65e9\u3044\u6642\u671f\u306b\u78ba\u8a8d\u3057\u3066\u304a\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n

\u3082\u3046\u3072\u3068\u3064\u306f\u3001\u30dd\u30a4\u30f3\u30c8\u3084\u624b\u6570\u6599\u306e\u9055\u3044\u306f\u3053\u3053\u3067\u306f\u8003\u616e\u306b\u3044\u308c\u3066\u3044\u307e\u305b\u3093\u3002\u6700\u8fd1\u3067\u306f\u3001\u30dd\u30a4\u30f3\u30c8\u306a\u3057\u3001\u30cd\u30ac\u30c6\u30a3\u30d6\u624b\u6570\u6599\uff08\u624b\u6570\u6599\u3092\u6255\u3046\u4ee3\u308f\u308a\u306b\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u304c\u3082\u3089\u3048\u308b\uff09\u3068\u3044\u3046\u3088\u3046\u306a\u30ed\u30fc\u30f3\u3082\u3042\u308b\u305d\u3046\u3067\u3059\u304b\u3089\u300130\u5e74\u30ed\u30fc\u30f3\u306815\u5e74\u30ed\u30fc\u30f3\u3067\u5927\u304d\u306a\u9055\u3044\u304c\u3042\u308c\u3070\u3001\u305d\u308c\u3082\u8003\u616e\u306b\u5165\u308c\u3066\u304f\u3060\u3055\u3044\u306d\u3002<\/p>\n

 <\/p>\n

\u307f\u306a\u3055\u3093\u306f\u3001\u3069\u3046\u3044\u3046\u9078\u629e\u3092\u3055\u308c\u305f\u306e\u3067\u3057\u3087\u3046\u3002\u7d4c\u9a13\u306a\u3069\u3092\u304a\u805e\u304b\u305b\u304f\u3060\u3055\u3044\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

\u300c\u3082\u3046\u30ea\u30bf\u30a4\u30e4\u3082\u8996\u91ce\u306b\u5165\u308b\u5e74\u9f62\u3060\u3057\u3001\u91d1\u5229\u3082\u5b89\u3044\u304b\u3089\u3001\u601d\u3044\u5207\u3063\u306615\u5e74\u30ed\u30fc\u30f3\u3092\u7d44\u307f\u305f\u3044\u300d\u3001\u300c\u501f\u91d1\u306f\u3067\u304d\u308b\u3060\u3051\u65e9\u304f\u8fd4\u3057\u305f\u3044\u304b\u3089\u3001\u304c\u3093\u3070\u3063\u306615\u5e74\u30ed\u30fc\u30f3\u3067\u6255\u3044\u304d\u308a\u305f\u3044\u300d\u306a\u3069\u300115\u5e74\u30ed\u30fc\u30f3\u3092\u9078\u3076\u4eba\u3082\u591a\u3044\u3067\u3057\u3087\u3046\u3002\u6b74\u53f2\u7684\u306a\u4f4e\u91d1\u5229\u306e\u4eca\u300115\u5e74\u30ed\u30fc\u30f3\u3060\u3068\u3055\u3089\u306b\u91d1\u5229\u304c\u304a\u5f97\u306b\u306a\u308a\u307e\u3059\u300215\u5e74\u306830\u5e74\u3068\u306e\u5dee\u306f0.5%\u307b\u3069\u3067\u3057\u3087\u3046\u304b\u3002\u30ed\u30fc\u30f3\u671f\u9593\u306b\u652f\u6255\u3046\u91d1\u5229\u306e\u984d\u3092\u6bd4\u3079\u3066\u307f\u308b\u3068\u3001\u968f\u5206\u3068\u5dee\u304c\u3042\u308a\u307e\u3059\u3002\u306a\u3093\u3068\u304b\u6255\u3048\u308b\u306a\u3089\u307015\u5e74\u3067\u6255\u3044\u304d\u3063\u3066\u3057\u307e\u304a\u3046\u3068\u8003\u3048\u308b\u306e\u3082<\/p>\n","protected":false},"author":1,"featured_media":1289,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[14,32],"tags":[74,33,35,65],"class_list":["post-1288","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit","category-housing-and-realestate","tag-credit","tag-housing","tag-mortgage","tag-loan"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/05\/mortgage-15-yr-vs-30-yr.png?fit=547%2C237&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-kM","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/1288","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/comments?post=1288"}],"version-history":[{"count":1,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/1288\/revisions"}],"predecessor-version":[{"id":1291,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/1288\/revisions\/1291"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/1289"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=1288"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=1288"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=1288"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}