{"id":2425,"date":"2013-03-18T09:49:15","date_gmt":"2013-03-18T17:49:15","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=2425"},"modified":"2013-03-18T09:49:39","modified_gmt":"2013-03-18T17:49:39","slug":"retirement-reversemortgage","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/retirement-reversemortgage\/","title":{"rendered":"\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3000-\u3000\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3068\u91d1\u7b56"},"content":{"rendered":"<p>\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3068\u3044\u3046\u8a00\u8449\u3092\u304a\u805e\u304d\u306b\u306a\u3063\u305f\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u304b\uff1f\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3068\u306f\u3001\u81ea\u5b85\u306e\u30a8\u30af\u30a4\u30c6\u30a3\uff08\u5e02\u5834\u4fa1\u683c\u304b\u3089\u30e2\u30fc\u30b2\u30fc\u30b8\u30ed\u30fc\u30f3\u306e\u8ca0\u50b5\u3092\u5f15\u3044\u305f\u984d\uff09\u3092\u5143\u306b\u3001\u6708\u3005\u304a\u91d1\u3092\u501f\u308a\u308b\u3057\u304f\u307f\u3067\u3059\u3002\u3064\u307e\u308a\u3001\u81ea\u5b85\u3092\u62c5\u4fdd\u306b\u304a\u91d1\u3092\u501f\u308a\u308b\u30ed\u30fc\u30f3\u3067\u3059\u3002\u3053\u308c\u306f62\u6b73\u4ee5\u4e0a\u306e\u65b9\u3092\u5bfe\u8c61\u306b\u3057\u305f\u30d7\u30ed\u30b0\u30e9\u30e0\u3067\u3059\u304c\u3001\u901a\u5e38\u501f\u308a\u305f\u304a\u91d1\u306f\u6b7b\u4ea1\u3057\u305f\u3068\u304d\u307e\u3067\u8fd4\u3059\u5fc5\u8981\u304c\u306a\u3044\u306e\u3067\u3001\u5b58\u547d\u4e2d\u306f\u652f\u6255\u3044\u3092\u6c17\u306b\u3057\u306a\u3044\u3067\u501f\u308a\u7d9a\u3051\u3089\u308c\u308b\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u307f\u306a\u3055\u3093\u306f\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306e\u751f\u6d3b\u3092\u3069\u306e\u3088\u3046\u306b\u63cf\u3044\u3066\u3044\u3089\u3063\u3057\u3083\u308b\u3067\u3057\u3087\u3046\u3002\u4e09\u5341\u5e74\u3001\u56db\u5341\u5e74\u3068\u4e00\u751f\u61f8\u547d\u50cd\u3044\u305f\u5f8c\u306e\u751f\u6d3b\u3067\u3059\u304b\u3089\u3001\u3067\u304d\u308c\u3070\u304a\u91d1\u306e\u3053\u3068\u306f\u5fc3\u914d\u3057\u306a\u3044\u3067\u3001\u7b2c\u4e8c\u306e\u4eba\u751f\u3092\u697d\u3057\u307f\u305f\u3044\u3068\u3053\u308d\u3067\u3059\u306d\u3002\u3057\u304b\u3057\u3001\u4f01\u696d\u5e74\u91d1\u306f\u6d88\u6ec5\u3057\u3064\u3064\u3042\u308a\u3001\u307e\u305f401(k)\u3084IRA\u3082\u5897\u3048\u3042\u3050\u306d\u3066\u3044\u308b\u6628\u4eca\u3001\u4eba\u751f90\u5e74\u3068\u3044\u308f\u308c\u308b\u3053\u306e\u6642\u4ee3\u306b\u4e0d\u5b89\u3092\u899a\u3048\u308b\u4eba\u3082\u5c11\u306a\u304f\u306a\u3044\u3067\u3057\u3087\u3046\u3002\u4eca\u56de\u3001\u3054\u7d39\u4ecb\u3059\u308b\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u3001\u81ea\u5b85\u306e\u30a8\u30af\u30a4\u30c6\u30a3\u3092\u5143\u306b\u304a\u91d1\u3092\u501f\u308a\u308b\u65b9\u6cd5\u3067\u3001\u81ea\u5b85\u306b\u4f4f\u307f\u306a\u304c\u3089\u306b\u3057\u3066\u73fe\u91d1\u3092\u624b\u306b\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u3044\u3046\u753b\u671f\u7684\u306a\u30d7\u30ed\u30b0\u30e9\u30e0\u3067\u3059\u3002\u3053\u306e\u30d7\u30ed\u30b0\u30e9\u30e0\u306f\u3001\u6b63\u3057\u3044\u4f7f\u3044\u65b9\u3092\u3059\u308c\u3070\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306e\u751f\u6d3b\u306b\u5927\u304d\u306a\u5b89\u5fc3\u3092\u4e0e\u3048\u308b\u30bb\u30fc\u30d5\u30c6\u30a3\u30fb\u30cd\u30c3\u30c8\u3068\u306a\u308a\u307e\u3059\u3002\u305f\u3060\u3057\u9593\u9055\u3063\u305f\u4f7f\u3044\u65b9\u3092\u3059\u308c\u3070\u3001\u4eba\u751f\u306e\u6700\u7d42\u30d5\u30a7\u30fc\u30ba\u3067\u6700\u5f8c\u306e\u7826\u3067\u3042\u308b\u5bb6\u3084\u305d\u306e\u30a8\u30af\u30a4\u30c6\u30a3\u3092\u5931\u3046\u3068\u3044\u3046\u60b2\u5287\u306b\u3082\u306a\u308a\u304b\u306d\u307e\u305b\u3093\u306e\u3067\u6ce8\u610f\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2013\/03\/reverse-mortgage.png?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-2426\" alt=\"reverse mortgage\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2013\/03\/reverse-mortgage.png?resize=549%2C221&#038;ssl=1\" width=\"549\" height=\"221\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2013\/03\/reverse-mortgage.png?w=708&amp;ssl=1 708w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2013\/03\/reverse-mortgage.png?resize=300%2C120&amp;ssl=1 300w\" sizes=\"auto, (max-width: 549px) 100vw, 549px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>\u3053\u308c\u306b\u5bfe\u3057\u3001\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u3042\u308b\u7a0b\u5ea6\u30a8\u30af\u30a4\u30c6\u30a3\u304c\u305f\u307e\u3063\u3066\u3044\u308b\u72b6\u614b\u304b\u3089\u3001\u304a\u91d1\u3092\u501f\u308a\u3001\u6642\u304c\u7d4c\u3064\u306b\u3064\u308c\u3066\u30ed\u30fc\u30f3\u5206\u304c\u5897\u3048\u3066\u3044\u304d\u3001\u30a8\u30af\u30a4\u30c6\u30a3\u306f\u5c11\u306a\u304f\u306a\u3063\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<p>\u5bb6\u306b\u4f4f\u307f\u7d9a\u3051\u3066\u3044\u308b\u9650\u308a\u306f\u30ed\u30fc\u30f3\u3092\u8fd4\u6e08\u3059\u308b\u5fc5\u8981\u306f\u306a\u304f\u3001\u672c\u4eba\u304c\u6b7b\u4ea1\u3057\u305f\u6642\u70b9\u3001\u5bb6\u3092\u58f2\u3063\u305f\u6642\u70b9\u3001\u3042\u308b\u3044\u306f\u305d\u306e\u5bb6\u304b\u3089\u5f15\u3063\u8d8a\u3057\u305f\u6642\u70b9\u3067\u3001\u4e00\u62ec\u8fd4\u6e08\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306b\u306f\u3001\u3044\u304f\u3064\u304b\u306e\u30bf\u30a4\u30d7\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u73fe\u5728\u3067\u306f\u307b\u307c90\uff05\u4ee5\u4e0a\u306e\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u304c\u3001\u91d1\u878d\u6a5f\u95a2\u304c\u958b\u767a\u3057FHA\u304c\u4fdd\u8a3c\u3059\u308bHECM(Home Equity Conversion Mortgages)\u3067\u3059\u3002\u4ee5\u4e0b\u306e\u8a18\u8ff0\u306fHECM\u306b\u7126\u70b9\u3092\u3042\u3066\u3066\u66f8\u304d\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2><b>HECM\u306e\u30d0\u30ea\u30a8\u30fc\u30b7\u30e7\u30f3<\/b><\/h2>\n<p><b><span style=\"text-decoration: underline\">Standard \u3068\u3000Saver<\/span><\/b><\/p>\n<p>HECM Standard\uff1a\u3000\u6bd4\u8f03\u7684\u5927\u304d\u306a\u30ed\u30fc\u30f3\u5411\u304d\u3002\u30e2\u30fc\u30b2\u30fc\u30b8\u4fdd\u967a\u306f\u3001\u30ed\u30fc\u30f3\u958b\u59cb\u6642\u306b\u5bb6\u306e\u8a55\u4fa1\u984d\u306e\uff12\uff05\u3001\u305d\u308c\u4ee5\u964d\u30ed\u30fc\u30f3\u6b8b\u9ad8\u306e1.25\uff05\/\u5e74<\/p>\n<p>HECM\u3000Saver\uff1a\u3000\u6bd4\u8f03\u7684\u5c0f\u3055\u3081\u306e\u30ed\u30fc\u30f3\u5411\u304d\u3002\u30e2\u30fc\u30b2\u30fc\u30b8\u4fdd\u967a\u306f\u3001\u30ed\u30fc\u30f3\u958b\u59cb\u6642\u306b\u5bb6\u306e\u8a55\u4fa1\u984d\u306e0.01\uff05\u3001\u305d\u308c\u4ee5\u964d\u30ed\u30fc\u30f3\u6b8b\u9ad8\u306e1.25\uff05\/\u5e74<\/p>\n<p>&nbsp;<\/p>\n<p>\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u30b3\u30b9\u30c8\u306e\u9ad8\u3044\u30ed\u30fc\u30f3\u3067\u3001\u30b3\u30b9\u30c8\u9ad8\u306e\u7406\u7531\u306e\u7b2c\u4e00\u306f\u30e2\u30fc\u30b2\u30fc\u30b8\u4fdd\u967a\u3067\u3059\u3002\u30e2\u30fc\u30b2\u30fc\u30b8\u4fdd\u967a\u306f\u3001\u30ed\u30fc\u30f3\u304c\u4e88\u5b9a\u3069\u304a\u308a\u56de\u53ce\u3067\u304d\u306a\u304b\u3063\u305f\u5834\u5408\u306b\u3001FHA(Federal Housing Administration)\u304c\u8cb8\u4e3b\u306e\u91d1\u878d\u6a5f\u95a2\u306b\u5bfe\u3057\u3066\u640d\u5931\u306e\u88dc\u511f\u3092\u884c\u3046\u4fdd\u967a\u3067\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><b><span style=\"text-decoration: underline\">ARM\u3000\u3068\u3000FRM<\/span><\/b><\/p>\n<p>ARM\uff1a\u3000\u5909\u52d5\u91d1\u5229<\/p>\n<p>FRM\uff1a\u3000\u56fa\u5b9a\u91d1\u5229<\/p>\n<p>&nbsp;<\/p>\n<p>FRM\uff08\u56fa\u5b9a\u91d1\u5229\uff09\u306fLump sum\uff08\u4e00\u6642\u91d1\u652f\u6255\u3044\uff09\u3092\u9078\u629e\u3057\u305f\u5834\u5408\u306b\u306e\u307f\u9069\u7528\u3055\u308c\u307e\u3059\u3002\u305d\u308c\u4ee5\u5916\u306e\u5f62\u614b\u3067\u306e\u304a\u91d1\u306e\u53d7\u3051\u53d6\u308a\u65b9\u306b\u306f\u3001\u3059\u3079\u3066ARM\uff08\u5909\u52d5\u91d1\u5229)\u304c\u9069\u7528\u3055\u308c\u307e\u3059\u3002<\/p>\n<p><b><span style=\"text-decoration: underline\">\u00a0<\/span><\/b><\/p>\n<p><b><span style=\"text-decoration: underline\">\u5f93\u6765\u578b\u3000\u3068\u3000<\/span><\/b><b><span style=\"text-decoration: underline\">Purchase Program<\/span><\/b><\/p>\n<p>\u5f93\u6765\u578b\uff1a\u3000\u73fe\u5728\u4f4f\u3093\u3067\u3044\u308b\u5bb6\u306b\u5bfe\u3057\u3066\u30ed\u30fc\u30f3\u3092\u53d7\u3051\u308b<\/p>\n<p>Purchase Program\uff1a\u3000\u65b0\u3057\u304f\u8cb7\u3046\u5bb6\u306b\u5bfe\u3057\u3066\u30ed\u30fc\u30f3\u3092\u53d7\u3051\u308b\u3002\u982d\u91d1\u304c\u5fc5\u8981\u3067\u3001\u5bb6\u306e\u5024\u6bb5\u304b\u3089\u982d\u91d1\u3092\u5dee\u3057\u5f15\u3044\u305f\u90e8\u5206\u3092\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3067\u30ab\u30d0\u30fc\u3059\u308b\u3002\u6708\u3005\u306e\u30ed\u30fc\u30f3\u652f\u6255\u3044\u306a\u3057\u3067\u65b0\u3057\u3044\u5bb6\u306e\u8cfc\u5165\u304c\u3067\u304d\u308b\u3002\u8001\u5f8c\u3001\u5c0f\u3055\u306a\u5bb6\u306b\u30c0\u30a6\u30f3\u30b5\u30a4\u30ba\u3059\u308b\u3088\u3046\u306a\u5834\u5408\u306b\u5411\u3044\u3066\u3044\u308b\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2><b>\u8ab0\u304c\u501f\u308a\u3089\u308c\u308b\u306e<\/b><\/h2>\n<ul>\n<li>62\u6b73\u4ee5\u4e0a\u3067\u3042\u308b\u3053\u3068<\/li>\n<li>\u5c45\u4f4f\u3059\u308b\u5bb6\u3092\u6301\u3064\uff08\u4e00\u8ed2\u5bb6\u3067\u3042\u308b\u3001\u3042\u308b\u3044\u306f\u4e8c\u4e16\u5e2f\uff5e\u56db\u4e16\u5e2f\u306e\u5efa\u7269\u306e\u3046\u3061\u306e\u4e00\u4e16\u5e2f\u304c\u30ed\u30fc\u30f3\u5951\u7d04\u8005\u3067\u3042\u308b\uff09\u3053\u3068<\/li>\n<li>\u5bb6\u306f\u30e1\u30f3\u30c6\u30ca\u30f3\u30b9\u3084\u69cb\u9020\u4e0a\u306e\u554f\u984c\u306e\u306a\u3044\u72b6\u614b\u3067\u3042\u308b\u3053\u3068<\/li>\n<li>\u30a8\u30af\u30a4\u30c6\u30a3\u304c\u5341\u5206\u306b\u3042\u308b\u3053\u3068<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><b>\u3044\u304f\u3089\u501f\u308a\u3089\u308c\u308b\u306e<\/b><\/h2>\n<p>\u3044\u304f\u3089\u501f\u308a\u3089\u308c\u308b\u304b\u306f\u4e0b\u306e\u8981\u7d20\u306b\u3088\u308a\u307e\u3059\u3002<\/p>\n<p><b>\u5bb6\u306e\u4fa1\u5024<\/b>\uff1a\u3000\u305d\u306e\u6642\u70b9\u3067\u306e\u5bb6\u306e\u8a55\u4fa1\u984d\uff08Appraised Value\uff09\u3001\u3042\u308b\u3044\u306fFHA\u306e\u9650\u5ea6\u984d$625,500\uff082013\u5e741\u6708\u73fe\u5728\uff09\u306e\u3069\u3061\u3089\u304b\u5c0f\u3055\u3044\u307b\u3046\u3002FHA\u306e\u9650\u5ea6\u984d\u5185\u306a\u3089\u8a55\u4fa1\u984d\u304c\u5927\u304d\u3044\u307b\u3046\u304c\u305f\u304f\u3055\u3093\u501f\u308a\u3089\u308c\u307e\u3059\u3002\u30e2\u30fc\u30b2\u30fc\u30b8\u6b8b\u9ad8\u304c\u3042\u308b\u5834\u5408\u306f\u3001\u501f\u308a\u305f\u91d1\u984d\u304b\u3089\u30e2\u30fc\u30b2\u30fc\u30b8\u6b8b\u9ad8\u3092\u8fd4\u6e08\u3059\u308b\u5f62\u306b\u306a\u308a\u307e\u3059\u306e\u3067\u3001\u30e2\u30fc\u30b2\u30fc\u30b8\u6b8b\u9ad8\u304c\u5c11\u306a\u3044\u307b\u3069\u3001\u624b\u5143\u306b\u6b8b\u308b\u304a\u91d1\u306f\u591a\u3044\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<a href=\"http:\/\/smartandresponsible.com\/blog\/reverse-mortgage\/\"  target=\"_blank\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-2235 alignright\" alt=\"reverse mort 135_134\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2013\/02\/reverse-mort-135_134.gif?resize=150%2C134&#038;ssl=1\" width=\"150\" height=\"134\" \/><\/a><\/p>\n<p><b>\u91d1\u5229<\/b>\uff1a\u3000\u91d1\u5229\u304c\u9ad8\u3051\u308c\u3070\u9ad8\u3044\u307b\u3069\u3001\u501f\u308a\u3089\u308c\u308b\u984d\u306f\u5c11\u306a\u304f\u306a\u308a\u3001\u91d1\u5229\u304c\u4f4e\u304f\u306a\u308c\u3070\u306a\u308b\u307b\u3069\u501f\u308a\u3089\u308c\u308b\u984d\u306f\u5927\u304d\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<p><b>\u5e74\u9f62<\/b>\uff1a\u3000\u592b\u5a66\u3067\u501f\u308a\u308b\u5834\u5408\u306f\u3001\u82e5\u3044\u65b9\u306e\u5e74\u9f62\u3002\u5e74\u9f62\u304c\u9ad8\u3044\u307b\u3069\u305f\u304f\u3055\u3093\u501f\u308a\u3089\u308c\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2><b>\u304a\u91d1\u306e\u53d7\u3051\u53d6\u308a\u65b9<\/b><\/h2>\n<p>\u501f\u308a\u308b\u304a\u91d1\u306e\u53d7\u3051\u53d6\u308a\u65b9\u306b\u306f\u4e0b\u8a18\u306e\u3088\u3046\u306a\u30aa\u30d7\u30b7\u30e7\u30f3\u304c\u3042\u308a\u3001\u901a\u5e38\u3001\u53d7\u3051\u53d6\u308a\u65b9\u6cd5\u306f\u9014\u4e2d\u3067\u5909\u66f4\u3059\u308b\u3053\u3068\u3082\u53ef\u80fd\u3067\u3059\uff08\u6570\u5341\u30c9\u30eb\u306e\u624b\u6570\u6599\u304c\u304b\u304b\u308a\u307e\u3059\uff09\u3002<\/p>\n<p><b>Lump sum<\/b>\uff1a\u3000\u4e00\u6642\u91d1\u3068\u3057\u3066\u307e\u3068\u307e\u3063\u305f\u304a\u91d1\u3092\u6700\u521d\u306b\u53d7\u3051\u53d6\u308b\u3002<\/p>\n<p><b>Term<\/b>\uff1a\u30005\u5e74\u578b\u300110\u5e74\u578b\u300115\u5e74\u578b\u306e\u3088\u3046\u306b\u4e00\u5b9a\u671f\u9593\u306e\u9593\u3001\u6708\u3005\u306e\u56fa\u5b9a\u984d\u3092\u53d7\u3051\u53d6\u308b\u3002<\/p>\n<p><b>Tenure<\/b>\uff1a\u3000\u751f\u6daf\u578b\u3002\u305d\u306e\u5bb6\u306b\u4f4f\u307f\u7d9a\u3051\u308b\u9650\u308a\u3001\u6708\u3005\u306e\u56fa\u5b9a\u984d\u3092\u53d7\u3051\u53d6\u308b\u3002<\/p>\n<p><b>Line of Credit<\/b>\uff1a\u3000\u6700\u521d\u306b\u501f\u308a\u5165\u308c\u3089\u308c\u308b\u984d\u306e\u9650\u5ea6\uff08Credit\uff09\u304c\u6c7a\u5b9a\u3055\u308c\u3001\u305d\u306e\u9650\u5ea6\u5185\u3067\u3042\u308c\u3070\u3001\u3044\u3064\u3067\u3082\u5fc5\u8981\u306a\u3060\u3051\u501f\u308a\u5165\u308c\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3002<\/p>\n<p><b>\u30d5\u30ec\u30ad\u30b7\u30d6\u30eb\u578b<\/b>\uff1a\u3000\u4e0a\u8a18\u306e\u30aa\u30d7\u30b7\u30e7\u30f3\u306e\u30df\u30c3\u30af\u30b9<\/p>\n<p>&nbsp;<\/p>\n<h2><b>\u3053\u3093\u306a\u4f7f\u3044\u65b9\u304c\u3067\u304d\u308b<\/b><\/h2>\n<p>\u30b1\u30fc\u30b9\uff11\uff1a\u3000\u592b76\u6b73\u3001\u59bb74\u6b73\u306e\u592b\u5a66\u3002\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u3068401k\u304b\u3089\u306e\u5f15\u304d\u51fa\u3057\u3067\u66ae\u3089\u3057\u3066\u3044\u307e\u3059\u30022\u5e74\u524d\u592b\u304c\u8133\u6897\u585e\u3067\u4f53\u304c\u4e0d\u81ea\u7531\u306b\u306a\u308a\u3001\u4e8c\u968e\u5efa\u3066\u306e\u73fe\u5728\u306e\u5bb6\u3067\u306e\u751f\u6d3b\u304c\u4e0d\u4fbf\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u5f15\u8d8a\u3057\u3082\u8003\u3048\u307e\u3057\u305f\u304c\u3001\u3067\u304d\u308c\u3070\u4f4f\u307f\u6163\u308c\u305f\u5bb6\u306b\u4f4f\u307f\u7d9a\u3051\u305f\u3044\u3068\u9858\u3063\u3066\u3044\u307e\u3057\u305f\u3002\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u5c02\u9580\u5bb6\u306b\u76f8\u8ac7\u3057\u305f\u3068\u3053\u308d\u3001\u3059\u3067\u306b\u652f\u6255\u3044\u304c\u7d42\u308f\u3063\u3066\u3044\u308b\u5bb6\u3092\u3082\u3068\u306b$120,000\u306e\u501f\u308a\u5165\u308c\u304c\u3067\u304d\u308b\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3057\u305f\u3002$20,000\u3092\u4e00\u6642\u91d1\u3068\u3057\u3066\u501f\u308a\u3001\u305d\u308c\u3067\u30d9\u30c3\u30c8\u30eb\u30fc\u30e0\u3092\u4e00\u968e\u306b\u79fb\u52d5\u3059\u308b\u6539\u88c5\u3092\u3057\u307e\u3057\u305f\u3002\u6b8b\u308a\u306e$100,000\u306fLine of Credit\u306b\u3057\u3001\u5c06\u6765\u533b\u7642\u8cbb\u304c\u5d69\u3093\u3060\u308a\u3001401k\u304c\u5e95\u3092\u3064\u304d\u305f\u3068\u304d\u306e\u30af\u30c3\u30b7\u30e7\u30f3\u3068\u3059\u308b\u3053\u3068\u306b\u3057\u307e\u3057\u305f\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u30b1\u30fc\u30b9\uff12\uff1a\u300065\u6b73\u306e\u5973\u6027\u3002\u592b\u304c\u6628\u5e74\u4ea1\u304f\u306a\u308a\u307e\u3057\u305f\u3002\u592b\u3068\u4f4f\u3093\u3067\u3044\u305f\u5bb6\u306f\u5927\u304d\u3059\u304e\u3001\u307e\u305f\u6708\u3005\u306e\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u652f\u6255\u3044\u3082\u8ca0\u62c5\u306b\u306a\u3063\u3066\u304d\u305f\u306e\u3067\u3001\u3053\u306e\u969b\u601d\u3044\u5207\u3063\u3066\u3001\u5a18\u592b\u59bb\u304c\u4f4f\u3080\u8857\u306b\u5f15\u3063\u8d8a\u3059\u3053\u3068\u306b\u3057\u307e\u3057\u305f\u3002\u73fe\u5728\u306e\u5bb6\u306f$300,000\u3067\u58f2\u308a\u3001\u6b8b\u3063\u3066\u3044\u305f\u30e2\u30fc\u30b2\u30fc\u30b8\u6b8b\u9ad8$160,000\u3092\u5dee\u3057\u5f15\u3044\u305f$140,000\u304c\u624b\u5143\u306b\u6b8b\u308a\u307e\u3057\u305f\u3002\u5a18\u306e\u5bb6\u306e\u8fd1\u304f\u306b$150,000\u306e\u5bb6\u3092\u8cb7\u3046\u3053\u3068\u306b\u3057\u307e\u3057\u305f\u3002$150,000\u306e\u5bb6\u306f\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306ePurchase Program (\u65b0\u3057\u3044\u5bb6\u3092\u8cfc\u5165\u3059\u308b\u306e\u3068\u3001\u305d\u306e\u5bb6\u306b\u5bfe\u3057\u3066\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u7d44\u3080\u306e\u3092\u540c\u6642\u306b\u884c\u3046\u30d7\u30ed\u30b0\u30e9\u30e0\uff09\u3092\u5229\u7528\u3059\u308b\u3053\u3068\u306b\u3057\u307e\u3057\u305f\u3002\u53e4\u3044\u5bb6\u3092\u58f2\u3063\u305f\u304a\u91d1\u306e$140,000\u304b\u3089$60,000\u3092\u65b0\u3057\u3044\u5bb6\u306e\u982d\u91d1\u3068\u3057\u3066\u4f7f\u3044\u3001\u65b0\u3057\u3044\u5bb6\u306e\u6b8b\u9ad8$90,000\uff08$150,000-$60,000\uff09\u306f\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u7d44\u307f\u307e\u3057\u305f\u3002\u65b0\u3057\u3044\u5bb6\u306f\u6708\u3005\u306e\u652f\u6255\u3044\u3092\u3059\u308b\u5fc5\u8981\u304c\u306a\u3044\u306e\u3067\u3001\u3053\u308c\u307e\u3067\u306e\u5e74\u91d1\u3067\u306a\u3093\u3068\u304b\u751f\u6d3b\u304c\u6210\u308a\u7acb\u3061\u307e\u3059\u3002\u307e\u305f\u53e4\u3044\u5bb6\u3092\u58f2\u3063\u305f\u304a\u91d1$140,000\u304b\u3089\u982d\u91d1$60,000\u3092\u5dee\u3057\u5f15\u3044\u305f$80,000\u306f\u73fe\u91d1\u3068\u3057\u3066\u624b\u5143\u306b\u6b8b\u3063\u305f\u306e\u3067\u3001\u5bb6\u306e\u7dad\u6301\u3084\u533b\u7642\u8cbb\u306e\u305f\u3081\u306b\u84c4\u3048\u3066\u304a\u304f\u3053\u3068\u306b\u3057\u307e\u3057\u305f\u3002<\/p>\n<blockquote>\n<pre>e-Book\u3000\u767a\u58f2\u4e88\u5b9a\u3000\u300c\u30ea\u30d0\u30fc\u30b9\u30fb\u30e2\u30fc\u30b2\u30fc\u30b8\u3000-\u3000\u5931\u6557\u3057\u306a\u3044\u5951\u7d04\u3068\u4f7f\u3044\u65b9\u300d<\/pre>\n<\/blockquote>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3068\u3044\u3046\u8a00\u8449\u3092\u304a\u805e\u304d\u306b\u306a\u3063\u305f\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u304b\uff1f\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3068\u306f\u3001\u81ea\u5b85\u306e\u30a8\u30af\u30a4\u30c6\u30a3\uff08\u5e02\u5834\u4fa1\u683c\u304b\u3089\u30e2\u30fc\u30b2\u30fc\u30b8\u30ed\u30fc\u30f3\u306e\u8ca0\u50b5\u3092\u5f15\u3044\u305f\u984d\uff09\u3092\u5143\u306b\u3001\u6708\u3005\u304a\u91d1\u3092\u501f\u308a\u308b\u3057\u304f\u307f\u3067\u3059\u3002\u3064\u307e\u308a\u3001\u81ea\u5b85\u3092\u62c5\u4fdd\u306b\u304a\u91d1\u3092\u501f\u308a\u308b\u30ed\u30fc\u30f3\u3067\u3059\u3002\u3053\u308c\u306f62\u6b73\u4ee5\u4e0a\u306e\u65b9\u3092\u5bfe\u8c61\u306b\u3057\u305f\u30d7\u30ed\u30b0\u30e9\u30e0\u3067\u3059\u304c\u3001\u901a\u5e38\u501f\u308a\u305f\u304a\u91d1\u306f\u6b7b\u4ea1\u3057\u305f\u3068\u304d\u307e\u3067\u8fd4\u3059\u5fc5\u8981\u304c\u306a\u3044\u306e\u3067\u3001\u5b58\u547d\u4e2d\u306f\u652f\u6255\u3044\u3092\u6c17\u306b\u3057\u306a\u3044\u3067\u501f\u308a\u7d9a\u3051\u3089\u308c\u308b\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u3002<\/p>\n","protected":false},"author":1,"featured_media":2426,"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":[14,32,38],"tags":[35,47,65],"class_list":["post-2425","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit","category-housing-and-realestate","category-retirement","tag-mortgage","tag-retire","tag-loan"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2013\/03\/reverse-mortgage.png?fit=708%2C284&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-D7","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/2425","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=2425"}],"version-history":[{"count":15,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/2425\/revisions"}],"predecessor-version":[{"id":2433,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/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