{"id":1988,"date":"2013-02-07T09:30:51","date_gmt":"2013-02-07T17:30:51","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=1988"},"modified":"2013-02-07T09:33:14","modified_gmt":"2013-02-07T17:33:14","slug":"balance-transfer2","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/balance-transfer2\/","title":{"rendered":"\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30ab\u30fc\u30c9\u306e\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u6210\u529f\u306e\u79d8\u8a23\uff08\uff12\uff09"},"content":{"rendered":"

\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30ab\u30fc\u30c9\u4f1a\u793e\u306f\u306a\u305c0\uff05APR\u3068\u3044\u3046\u3088\u3046\u306a\u30d7\u30ed\u30e2\u30fc\u30b7\u30e7\u30f3\u3092\u3059\u308b\u306e\u3067\u3057\u3087\u3046\uff1f\u65b0\u3057\u3044\u9867\u5ba2\u3092\u7372\u5f97\u3059\u308b\u305f\u3081\u3067\u3059\u3002\u3067\u3082\u3001\u65b0\u3057\u3044\u9867\u5ba2\u3092\u7372\u5f97\u3057\u3066\u3082APR\u304c\u30bc\u30ed\u3067\u306f\u5168\u304f\u5229\u76ca\u304c\u3042\u308a\u307e\u305b\u3093\u306d\u3002\u306a\u305c\u305d\u306e\u3088\u3046\u306a\u30d7\u30ed\u30e2\u30fc\u30b7\u30e7\u30f3\u3092\u3059\u308b\u306e\u3067\u3057\u3087\u3046\uff1f\u3000\u7b54\u3048\u306f\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30ab\u30fc\u30c9\u4f1a\u793e\u306f\u30ae\u30e3\u30f3\u30d6\u30eb\u3057\u3066\u3044\u308b\u304b\u3089\u3067\u3059\u3002\u3053\u306e\u30ae\u30e3\u30f3\u30d6\u30eb\u306f\u8a08\u7b97\u3055\u308c\u305f\u30ae\u30e3\u30f3\u30d6\u30eb\u3067\u3059\u3002\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30ab\u30fc\u30c9\u4f1a\u793e\u306f\u3001\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3092\u3059\u308b\u9867\u5ba2\u306e\u4e2d\u306b\u306f\u30010\uff05APR\u306e\u671f\u9593\u306e\u3046\u3061\u306b\u3059\u3079\u3066\u306e\u30ab\u30fc\u30c9\u8ca0\u50b5\u3092\u8fd4\u6e08\u3057\u3066\u3057\u307e\u308f\u306a\u3044\u4eba\u3082\u304a\u308a\u3001\u307e\u305f\u65b0\u3057\u304f\u8cfc\u5165\u3057\u305f\u5206\u3082\u8ca0\u50b5\u306b\u52a0\u308f\u308a\u3001\u7d50\u679c\u7684\u306b\u5229\u5b50\u3092\u6255\u3046\u3053\u3068\u306b\u306a\u308b\u4eba\u305f\u3061\u304c\u3044\u308b\u3053\u3068\u3092\u77e5\u3063\u3066\u3044\u308b\u306e\u3067\u3059\u3002<\/p>\n

\u3053\u308c\u3092\u9867\u5ba2\u306e\u7acb\u5834\u304b\u3089\u8003\u3048\u308b\u3068\u3001\u3088\u304f\u8a08\u753b\u3057\u305f\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3092\u3057\u306a\u3044\u3068\u3001\u30ab\u30fc\u30c9\u4f1a\u793e\u306b\u5132\u3051\u3055\u305b\u308b\u3060\u3051\u3067\u3001\u81ea\u5206\u306e\u305f\u3081\u306b\u306f\u306a\u3089\u306a\u3044\u3053\u3068\u3082\u3042\u308b\u304b\u3082\u3057\u308c\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u30020\uff05\u3068\u3044\u3046\u5ba3\u4f1d\u306b\u98db\u3073\u3064\u304b\u306a\u3044\u3053\u3068\u3001\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3092\u3057\u305f\u307b\u3046\u304c\u3044\u3044\u304b\u3069\u3046\u304b\u3001\u3059\u308b\u306a\u3089\u3001\u6708\u3005\u306e\u8fd4\u6e08\u984d\u3092\u3069\u306e\u304f\u3089\u3044\u306b\u8a2d\u5b9a\u3057\u3066\u3069\u3046\u8ca0\u50b5\u3092\u89e3\u6d88\u3057\u3066\u3044\u304f\u304b\u3001\u305d\u306e\u5834\u5408\u5229\u5b50\u306f\u3069\u306e\u304f\u3089\u3044\u7bc0\u7d04\u3067\u304d\u305d\u3046\u304b\u3092\u3042\u3089\u304b\u3058\u3081\u628a\u63e1\u3057\u3066\u304a\u304f\u3053\u3068\u304c\u5927\u5207\u3067\u3059\u3002\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u306e\u6210\u529f\u306e\u79d8\u8a23\uff08\uff11\uff09<\/a>\u3067\u306f\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3092\u3059\u308b\u969b\u306e\u5fc3\u69cb\u3048\u306b\u3064\u3044\u3066\u3054\u7d39\u4ecb\u3057\u307e\u3057\u305f\u304c\u3001\u4eca\u56de\u306f\u6761\u4ef6\u306e\u541f\u5473\u306e\u3057\u304b\u305f\u306b\u3064\u3044\u3066\u7d39\u4ecb\u3057\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u306e\u6761\u4ef6\u3092\u7406\u89e3\u3059\u308b<\/h2>\n

\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fcAPR<\/h4>\n

APR\u306fAnnual Percentage Rate\u306e\u7565\u3067\u3001\u5e74\u5229\u306e\u3053\u3068\u3067\u3059\u3002\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u306b\u95a2\u308f\u308bAPR\u306b\u306f2\u7a2e\u985e\u306eAPR\u304c\u3042\u3063\u3066\u3001\u4e00\u3064\u76ee\u306f\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fcAPR\u3067\u3059\u3002\u3053\u308c\u306f\u3001\u53e4\u3044\u30ab\u30fc\u30c9\u304b\u3089\u65b0\u3057\u3044\u30ab\u30fc\u30c9\u3078\u30d0\u30e9\u30f3\u30b9\uff08\u6b8b\u9ad8\uff09\u3092\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\uff08\u79fb\u3059\uff09\u3059\u308b\u969b\u306e\u3001\u305d\u306e\u30d0\u30e9\u30f3\u30b9\u306b\u5bfe\u3059\u308bAPR\u306e\u3053\u3068\u3067\u3059\u3002\u6700\u8fd1\u3067\u306f\u3001\u3053\u306eAPR\u304c\u30bc\u30ed\u3068\u3044\u3046\u30ab\u30fc\u30c9\u3082\u591a\u304f\u51fa\u56de\u3063\u3066\u3044\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u3053\u308c\u3082\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30b9\u30b3\u30a2\u306b\u3088\u308a\u307e\u3059\u3002\u30b9\u30b3\u30a2\u304c\u3042\u307e\u308a\u3088\u304f\u306a\u3044\u5834\u5408\u3001APR\u304c0\uff05\u3067\u306f\u306a\u304f\u30012\uff05\u3068\u304b3\uff05\u306b\u306a\u308b\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u305d\u308c\u3067\u3082\u3001\u4eca\u306e\u30ab\u30fc\u30c9\u306eAPR\u304c15\uff05\u3068\u3044\u3046\u306e\u3067\u3042\u308c\u3070\u3001\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3059\u308b\u3053\u3068\u3092\u8003\u3048\u308b\u4f59\u5730\u306f\u3042\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n

Purchase APR<\/h4>\n

\u3075\u305f\u3064\u3081\u306eAPR\u306f\u3001\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3092\u3057\u305f\u5f8c\u306b\u3001\u65b0\u3057\u3044\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30ab\u30fc\u30c9\u3092\u4f7f\u3063\u3066\u8cfc\u5165\u3057\u305f\u984d\u306b\u5bfe\u3059\u308bAPR\u3067\u3059\u3002\u6761\u4ef6\u306e\u3088\u3044\u30ab\u30fc\u30c9\u3060\u3068\u3001\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3082Purchase APR\u308215\u30f6\u6708\u306a\u308a\u300118\u30f6\u6708\u306a\u308a\u306e\u540c\u3058\u671f\u95930\uff05\u3068\u3044\u3046\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u304c\u3001\u3042\u308b\u3044\u306fPurchase APR\u306f\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fcAPR\u306b\u6bd4\u3079\u77ed\u3044\u671f\u9593\u3060\u30510\uff05\u3068\u3044\u3046\u3088\u3046\u306a\u3082\u306e\u3084\u3001Purchase APR\u306f\u6700\u521d\u304b\u30898\uff05\u3068\u3044\u3046\u3082\u306e\u306a\u3069\u6761\u4ef6\u306f\u307e\u3061\u307e\u3061\u3067\u3059\u3002\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fcAPR\u3060\u3051\u3067\u306a\u304f\u3001Purchase APR\u306b\u3082\u6ce8\u610f\u3092\u6255\u3044\u307e\u3057\u3087\u3046\u3002<\/p>\n

0\uff05\u671f\u9593\u3068\u305d\u306e\u5f8c\u306eAPR<\/h4>\n

0\uff05\u3068\u3044\u3046APR\u306f\u65b0\u3057\u3044\u9867\u5ba2\u7372\u5f97\u306e\u305f\u3081\u306e\u30d7\u30ed\u30e2\u30fc\u30b7\u30e7\u30f3\u3067\u3042\u308a\u3001\u4e00\u5b9a\u671f\u9593\u306e\u5f8c\u3001APR\u306f\u5287\u7684\u306b\u4e0a\u304c\u308b\u3053\u3068\u3092\u3088\u304f\u7406\u89e3\u3057\u307e\u3057\u3087\u3046\u30020\uff05APR\u306e\u671f\u9593\u306f\u3001\u30ab\u30fc\u30c9\u306b\u3088\u3063\u3066\u30016\u30f6\u6708\u300112\u30f6\u6708\u300115\u30f6\u6708\u300118\u30f6\u6708\u3068\u307e\u3061\u307e\u3061\u3067\u3059\u3002\u9577\u3051\u308c\u3070\u9577\u3044\u65b9\u304c\u3044\u3044\u3088\u3046\u306a\u6c17\u3082\u3057\u307e\u3059\u304c\u3001\u3082\u3057\u73fe\u5728\u306e\u30ab\u30fc\u30c9\u8ca0\u50b5\u304c6\u30f6\u6708\u3067\u8fd4\u6e08\u3067\u304d\u305d\u3046\u306a\u3082\u306e\u306a\u3089\u30016\u30f6\u67080\uff05APR\u306e\u30ab\u30fc\u30c9\u3067\u3082\u5341\u5206\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u305f\u3068\u3048\u3070\u5e74\u4f1a\u8cbb\u30bc\u30ed\u306e6\u30f6\u67080\uff05APR\u3068\u5e74\u4f1a\u8cbb\u306e\u304b\u304b\u308b15\u30f6\u67080\uff05APR\u306e\u30ab\u30fc\u30c9\u304c\u3042\u3063\u305f\u5834\u5408\u3001\u3042\u3048\u3066\u524d\u8005\u3092\u9078\u3076\u3068\u3044\u3046\u3053\u3068\u304c\u7406\u306b\u304b\u306a\u3063\u3066\u3044\u308b\u5834\u5408\u3082\u3042\u308b\u3067\u3057\u3087\u3046\u3002\u73fe\u5728\u306e\u30ab\u30fc\u30c9\u8ca0\u50b5\u306e\u6b8b\u9ad8\u3068\u6708\u3005\u8fd4\u6e08\u306b\u5145\u3066\u3089\u308c\u308b\u984d\u3068\u3092\u8003\u3048\u5408\u308f\u305b\u3066\u3001\u30cb\u30fc\u30ba\u306b\u3042\u3063\u305f\u30ab\u30fc\u30c9\u3092\u9078\u3073\u307e\u3059\u3002<\/p>\n

\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u624b\u6570\u6599<\/h4>\n

0\uff05APR\u3060\u3051\u307f\u308b\u3068\u3044\u304b\u306b\u3082\u300c\u7121\u6599\u300d\u3068\u3044\u3046\u611f\u3058\u304c\u3057\u307e\u3059\u304c\u3001\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u306b\u306f\u624b\u6570\u6599\u304c\u304b\u304b\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002\u624b\u6570\u6599\u306a\u3057\u3068\u3044\u3046\u3082\u306e\u3082\u5b58\u5728\u3059\u308b\u53cd\u9762\u3001\u624b\u6570\u6599\u306f\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3059\u308b\u6b8b\u9ad8\u306e3\uff05\u304b\u30895\uff05\u3068\u3044\u3046\u5834\u5408\u3082\u591a\u3044\u3088\u3046\u3067\u3059\u3002\u73fe\u5728\u306e\u8ca0\u50b5\u6b8b\u9ad8\u304c\u5927\u304d\u304f\u3001\u65b0\u3057\u3044\u30ab\u30fc\u30c9\u306e0\uff05APR\u671f\u9593\u304c\u77ed\u3044\u5834\u5408\u306b\u306f\u3001\u9ad8\u3044\u624b\u6570\u6599\u3092\u3068\u3089\u308c\u308b\u5272\u306b\u7bc0\u7d04\u3067\u304d\u308b\u5229\u5b50\u304c\u5c0f\u3055\u304f\u3001\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3092\u3059\u308b\u3068\u304b\u3048\u3063\u3066\u9ad8\u304f\u3064\u304f\u5834\u5408\u3082\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u8a08\u7b97\u3057\u3066\u78ba\u304b\u3081\u308b\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n

\u305d\u306e\u4ed6\u306e\u6761\u4ef6<\/h4>\n

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

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