{"id":2429,"date":"2013-04-04T09:24:25","date_gmt":"2013-04-04T17:24:25","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=2429"},"modified":"2013-04-13T21:31:17","modified_gmt":"2013-04-14T05:31:17","slug":"retirement-house","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/retirement-house\/","title":{"rendered":"\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3068\u5bb6\u3092\u8003\u3048\u308b"},"content":{"rendered":"<p>\u300c\u5c06\u6765\u306f\u3069\u3046\u3059\u308b\u306e\uff1f\u300d\u3001\u300c\u305a\u3063\u3068\u3053\u3063\u3061\u306b\u3044\u308b\u306e\uff1f\u300d\u306a\u3093\u3066\u4f1a\u8a71\u3092\u3088\u304f\u8033\u306b\u3059\u308b\u6b73\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u30a2\u30e1\u30ea\u30ab\u306b\u305a\u3063\u3068\u3044\u308b\u3064\u3082\u308a\u306a\u306e\u304b\u3001\u305d\u308c\u3068\u3082\u5c06\u6765\u306f\u65e5\u672c\u306b\u5e30\u308b\u306e\u304b\u3068\u3044\u3046\u554f\u984c\u3067\u3059\u3002\u82e5\u3044\u3046\u3061\u306f\u81ea\u7531\u306e\u56fd\u30a2\u30e1\u30ea\u30ab\u3067\u5922\u3092\u8ffd\u3044\u3001\u5b50\u3069\u3082\u304c\u3067\u304d\u308b\u3068\u4eca\u5f8c\u306f\u8a00\u8a9e\u306e\u554f\u984c\u3067\u7c21\u5358\u306b\u306f\u65e5\u672c\u306b\u5e30\u308c\u306a\u3044\u3001\u3067\u3082\u8001\u5f8c\u306f\u3044\u3063\u305f\u3044\u3069\u3046\u3059\u308b\u306e\u304b\u30fb\u30fb\u30fb\u6b73\u3092\u3068\u308b\u3068\u3001\u3042\u3068\u304b\u3089\u7fd2\u5f97\u3057\u305f\u7b2c\u4e8c\u8a00\u8a9e\u306f\u3060\u3093\u3060\u3093\u5931\u3063\u3066\u3044\u304f\u306a\u3093\u3066\u3053\u3068\u3082\u805e\u304d\u307e\u3059\u3057\u3001\u8001\u5f8c\u306f\u3084\u3063\u3071\u308a\u3053\u305f\u3064\u306b\u307f\u304b\u3093\u306e\u751f\u6d3b\u304c\u3057\u305f\u3044\u30fb\u30fb\u30fb\uff08\u3061\u3087\u3063\u3068\u3001\u3070\u3070\u304f\u3055\u3044\uff1f\uff09\u305d\u308c\u306b\u3001\u73fe\u5b9f\u7684\u306a\u3053\u3068\u3092\u3044\u3046\u3068\u8001\u5f8c\u306e\u30a2\u30e1\u30ea\u30ab\u306e\u533b\u7642\u8cbb\u304c\u3044\u3063\u305f\u3044\u3069\u3093\u306a\u3060\u304b\u4e0d\u5b89\u3082\u3042\u308b\u3057\u3001\u305d\u3082\u305d\u3082\u8001\u5f8c\u8cc7\u91d1\u306b\uff04\uff11\u30df\u30ea\u30aa\u30f3\u3042\u3063\u3066\u3082\u8db3\u308a\u306a\u3044\u306a\u3093\u3066\u8a71\u3082\u805e\u304f\u3068\u3001\u3044\u3063\u305f\u3044\u3069\u3046\u3059\u308c\u3070\u3044\u3044\u306e\uff1f\u3068\u982d\u3092\u62b1\u3048\u305f\u304f\u3082\u306a\u308a\u307e\u3059\u306d\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u3053\u3046\u8003\u3048\u308b\u3068\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3057\u305f\u3089\u3069\u3053\u306b\u4f4f\u3080\u304b\u3068\u304a\u91d1\u306e\u554f\u984c\u3063\u3066\u5bc6\u63a5\u306b\u95a2\u4fc2\u3057\u3066\u3044\u308b\u306e\u304c\u308f\u304b\u308a\u307e\u3059\u3002\u3069\u3053\u306b\u4f4f\u3080\u304b\u3068\u3044\u3046\u306e\u306f\u5358\u306b\u65e5\u672c\u3068\u304b\u30a2\u30e1\u30ea\u30ab\u3068\u304b\u306e\u300c\u5834\u6240\u300d\u306e\u3053\u3068\u3060\u3051\u3092\u6307\u3059\u306e\u3067\u306f\u306a\u304f\u3001\u4f4f\u307e\u3044\u306e\u5668\u3068\u3057\u3066\u306e\u300c\u5bb6\u300d\u3082\u542b\u307f\u307e\u3059\u3002\u305d\u3082\u305d\u3082\u3001\u300c\u5bb6\u300d\u3092\u6301\u3063\u3066\u3044\u308b\u5834\u5408\u3001\u305d\u308c\u306f\u591a\u304f\u306e\u5bb6\u5ead\u306b\u304a\u3044\u3066\u4e00\u756a\u5927\u304d\u3044\u3001\u3042\u308b\u3044\u306f\u4e00\u756a\u3068\u306f\u3044\u308f\u306a\u304f\u3066\u3082\u4e00\u3001\u4e8c\u3092\u7af6\u3046\u8cc7\u7523\u3067\u3042\u308b\u3053\u3068\u304c\u591a\u3044\u3067\u3057\u3087\u3046\u3002\u8cc7\u7523\u3068\u3044\u3046\u306e\u306f\u3001\u300c\u5c06\u6765\u3001\u304a\u91d1\u3092\u3082\u3089\u305f\u3057\u3066\u304f\u308c\u308b\u3082\u306e\u3001\u3042\u308b\u3044\u306f\u305d\u306e\u53ef\u80fd\u6027\u306e\u3042\u308b\u3082\u306e\u300d\u306e\u3053\u3068\u3092\u3044\u3044\u307e\u3059\u3002\u300c\u5c06\u6765\u3001\u304a\u91d1\u304c\u51fa\u3066\u3044\u304f\u3082\u306e\u300d\u3067\u3042\u308b\u8ca0\u50b5\u306e\u53cd\u5bfe\u306e\u8a00\u8449\u3067\u3059\u3002<\/p>\n<p>\u65e5\u672c\u4eba\u306f\u3001\u5bb6\u3092\u4e00\u751f\u3082\u306e\u3068\u8003\u3048\u308b\u50be\u5411\u304c\u5f37\u304f\u3001\u5bb6\u306f\u8cb7\u3063\u305f\u3089\u3060\u305f\u4f4f\u3080\u3060\u3051\u306e\u3082\u306e\u3068\u6349\u3048\u308b\u3053\u3068\u304c\u591a\u3044\u3067\u3059\u304c\u3001\u30a2\u30e1\u30ea\u30ab\u306e\u5834\u5408\u306f\u3088\u304f\u307f\u306a\u3055\u3093\u5f15\u3063\u8d8a\u3057\u307e\u3059\u3088\u306d\u3002\u30e2\u30d3\u30ea\u30c6\u30a3(\u4eba\u306e\u6d41\u52d5\u6027\uff09\u304c\u9ad8\u3044\u306e\u3067\u3059\u3002\u5bb6\u306f\u58f2\u308c\u3070\u3082\u3061\u308d\u3093\u304a\u91d1\u304c\u5165\u3063\u3066\u304f\u308b\uff08\u304a\u91d1\u306e\u30a4\u30f3\u30d5\u30ed\u30fc\u304c\u3067\u304d\u308b\uff09\u3057\u3001\u307e\u305f\u58f2\u3089\u306a\u304f\u3066\u3082\u5bb6\u3092\u62c5\u4fdd\u306b\u304a\u91d1\u3092\u501f\u308a\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3001\u3064\u307e\u308a\u4f4f\u307f\u306a\u304c\u3089\u306b\u3057\u3066\u304a\u91d1\u306e\u30a4\u30f3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Program\u3092\u4f7f\u3048\u3070\u5f15\u3063\u8d8a\u3057\u3068\u8cc7\u91d1\u7b56\u304c\u4e00\u5ea6\u306b\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u5229\u70b9<\/p>\n<ul>\n<li>\u53d7\u3051\u53d6\u308a\u91d1\u306f\u53ce\u5165\u3067\u306f\u306a\u3044\u306e\u3067\u975e\u8ab2\u7a0e\u3067\u3059\u3002<\/li>\n<li>\u81ea\u5b85\u306e\u30bf\u30a4\u30c8\u30eb\uff08\u6a29\u5229\uff09\u306f\u3042\u304f\u307e\u3067\u3001\u81ea\u5206\u305f\u3061\u306e\u3082\u306e\u3067\u3059\u3002<\/li>\n<li>\u30e2\u30fc\u30b2\u30fc\u30b8\u6b8b\u9ad8\u304c\u6b8b\u3063\u3066\u3044\u308b\u5bb6\u306e\u5834\u5408\u306f\u3001\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u652f\u6255\u3044\u304c\u306a\u304f\u306a\u308a\u307e\u3059\u3002<\/li>\n<li>\u4e00\u6642\u91d1\u3084\u6708\u3005\u306e\u5b9a\u984d\u53d7\u3051\u53d6\u308a\u3001\u90fd\u5ea6\u306e\u5f15\u304d\u51fa\u3057\u306a\u3069\u30d5\u30ec\u30ad\u30b7\u30d6\u30eb\u306a\u53d7\u3051\u53d6\u308a\u65b9\u304c\u9078\u3079\u307e\u3059\u3002<\/li>\n<li>\u5bb6\u306e\u4fa1\u5024\u3092\u8d85\u3048\u3066\u3001\u8fd4\u6e08\u304c\u5fc5\u8981\u306b\u306a\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u305b\u3093\u3002<\/li>\n<li>\u53cd\u5bfe\u306b\u3001\u5bb6\u3092\u58f2\u3063\u305f\u5f8c\u3001\u30ed\u30fc\u30f3\u3092\u8fd4\u6e08\u3057\u3066\u4f59\u5270\u91d1\u304c\u6b8b\u308c\u3070\u3001\u305d\u308c\u306f\u76f8\u7d9a\u4eba\uff08\u3042\u308b\u3044\u306f\u672c\u4eba\u304c\u751f\u5b58\u3057\u3066\u3044\u308b\u306a\u3089\u672c\u4eba\uff09\u306e\u3082\u306e\u306b\u306a\u308a\u307e\u3059\u3002<\/li>\n<\/ul>\n<p align=\"left\">\u6b20\u70b9<\/p>\n<ul>\n<li>\u30aa\u30ea\u30b8\u30cd\u30fc\u30b7\u30e7\u30f3\u624b\u6570\u6599\u3084\u30af\u30ed\u30fc\u30b8\u30f3\u30b0\u30fb\u30b3\u30b9\u30c8\u3001\u6708\u3005\u306e\u30b5\u30fc\u30d3\u30b9\u624b\u6570\u6599\u3001\u30e2\u30fc\u30b2\u30fc\u30b8\u4fdd\u967a\u6599\u306a\u3069\u3067\u30b3\u30b9\u30c8\u304c\u5d69\u307f\u307e\u3059\u3002<\/li>\n<li>\u914d\u5076\u8005\u306e\u3069\u3061\u3089\u3082\u6b7b\u4ea1\u3057\u305f\u6642\u70b9\u3001\u5bb6\u3092\u58f2\u3063\u305f\u6642\u70b9\u3001\u3042\u308b\u3044\u306f\u3082\u3046\u5bb6\u306b\u4f4f\u307e\u306a\u304f\u306a\u3063\u305f\u6642\u70b9\u3067\u3001\u30ed\u30fc\u30f3\u6b8b\u9ad8\u304c\u4e00\u62ec\u8fd4\u6e08\u3055\u308c\u306a\u304f\u3066\u306f\u306a\u308a\u307e\u305b\u3093\u3002<\/li>\n<li>\u5fc5\u8981\u306a\u3068\u304d\u983c\u308a\u306b\u3067\u304d\u308b\u30a8\u30af\u30a4\u30c6\u30a3\u304c\u3001\u306a\u304f\u306a\u3063\u3066\u3057\u307e\u3046\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/li>\n<li>\u53d7\u53d6\u984d\u306f\u3001Medicaid\u8cc7\u683c\u306b\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059<\/li>\n<li>\u5bb6\u306e\u6a29\u5229\u306f\u6301\u3061\u7d9a\u3051\u308b\u306e\u3067\u3001\u30d7\u30ed\u30d1\u30c6\u30a3\u30fb\u30bf\u30c3\u30af\u30b9\u3001\u5bb6\u306e\u4fdd\u967a\u3001\u7dad\u6301\u8cbb\u306a\u3069\u306f\u6255\u3044\u7d9a\u3051\u306d\u3070\u306a\u308a\u307e\u305b\u3093\u3002<\/li>\n<li>\u5bb6\u65cf\u306b\u5bb6\u3092\u6b8b\u305b\u307e\u305b\u3093\u3002<\/li>\n<li>\u56fa\u5b9a\u91d1\u5229\u306fLump sum\uff08\u4e00\u6642\u91d1\uff09\u30d7\u30ed\u30b0\u30e9\u30e0\u3060\u3051\u306e\u9069\u7528\u3068\u306a\u308a\u307e\u3059\u3002<\/li>\n<li>\u901a\u5e38\u306e\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u91d1\u5229\u306f\u7a0e\u63a7\u9664\u306e\u5bfe\u8c61\u3068\u306a\u308a\u307e\u3059\u304c\uff08Itemized Deduction\u3092\u9078\u3093\u3060\u5834\u5408\uff09\u3001\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u91d1\u5229\u306f\u767a\u751f\u3057\u3066\u3044\u308b\u9593\uff08\u30ed\u30fc\u30f3\u8fd4\u6e08\u3092\u3059\u308b\u307e\u3067\uff09\u306f\u7a0e\u63a7\u9664\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u305b\u3093\u3002<\/li>\n<li><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p align=\"left\">\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u6bd4\u8f03\u7684\u5927\u304d\u306a\u984d\u3092\u9577\u671f\u9593\u501f\u308a\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u4ed5\u7d44\u307f\u3067\u3059\u304c\u3001\u3053\u308c\u306b\u5bfe\u3057\u3001\u6bd4\u8f03\u7684\u5c0f\u3055\u306a\u984d\u3092\u4e00\u6642\u7684\u306b\u501f\u308a\u305f\u3044\u5834\u5408\u306f\u3001\u30b3\u30b9\u30c8\u304c\u9ad8\u3044\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306f\u5411\u304d\u307e\u305b\u3093\u3002\u6708\u3005\u306e\u751f\u6d3b\u306f\u554f\u984c\u306a\u304f\u3084\u3063\u3066\u3044\u3051\u308b\u304c\u3001\u5bb6\u306e\u4fee\u7406\u3084\u6539\u88c5\u306a\u3069\u3001\u4e00\u6642\u7684\u306b\u307e\u3068\u307e\u3063\u305f\u304a\u91d1\u304c\u5fc5\u8981\u3068\u3044\u3046\u5834\u5408\u306b\u306f\u3001\u30ea\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u3084\u30a8\u30af\u30a4\u30c6\u30a3\u30fc\u30fb\u30ed\u30fc\u30f3\u306a\u3069\u304c\u4f7f\u308f\u308c\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3068\u540c\u69d8\u3001\u5bb6\u306e\u30a8\u30af\u30a4\u30c6\u30a3\u3092\u5143\u306b\u304a\u91d1\u3092\u5de5\u9762\u3059\u308b\u65b9\u6cd5\u3067\u3059\u304c\u3001\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u304c\u300c\u6b7b\u4ea1\u3059\u308b\u307e\u3067\u501f\u308a\u7d9a\u3051\u308b\u3053\u3068\u300d\u3092\u524d\u63d0\u306b\u3057\u3066\u3044\u308b\u306e\u306b\u5bfe\u3057\u3001\u4e0b\u306e\u65b9\u6cd5\u306f\u300c\u8fd4\u6e08\u3059\u308b\u3053\u3068\u300d\u3092\u524d\u63d0\u306b\u3057\u305f\u65b9\u6cd5\u3067\u3059\u3002<\/p>\n<h3><b>\u30ea\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9<\/b><\/h3>\n<p align=\"left\">\u307e\u3060\u3001\u5bb6\u306e\u30e2\u30fc\u30b2\u30fc\u30b8\u30ed\u30fc\u30f3\u304c\u6b8b\u3063\u3066\u3044\u308b\u5834\u5408\u3067\u3001\u73fe\u5728\u306e\u5229\u7387\u304c\u30ed\u30fc\u30f3\u306e\u5229\u7387\u306b\u6bd4\u3079\u3066\u4f4e\u3044\u306e\u3067\u3042\u308c\u3070\u3001\u30ea\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u3059\u308b\u3068\u3044\u3046\u65b9\u6cd5\u304c\u3042\u308a\u307e\u3059\u3002\u30ea\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u3059\u308b\u3053\u3068\u3067\u5c11\u3057\u501f\u308a\u5165\u308c\u3092\u591a\u3081\u306b\u3057\u3001\u5fc5\u8981\u306a\u304a\u91d1\u3092\u30ad\u30e3\u30c3\u30b7\u30e5\u30fb\u30a2\u30a6\u30c8\u3057\u3066\u624b\u5143\u306b\u6b8b\u3057\u307e\u3059\u3002<\/p>\n<p align=\"left\">\u5229\u70b9<\/p>\n<ul>\n<li>\u30af\u30ed\u30fc\u30b8\u30f3\u30b0\u306e\u624b\u6570\u6599\u306f\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306b\u6bd4\u3079\u308b\u3068\u4f4e\u304f\u3001\u91d1\u5229\u3082\u4f4e\u3044\u3067\u3057\u3087\u3046\u3002<\/li>\n<li>\u30e2\u30fc\u30b2\u30fc\u30b8\u4fdd\u967a\u6599\u306f\u5fc5\u8981\u3042\u308a\u307e\u305b\u3093\u3002<\/li>\n<li>\u6708\u3005\u8fd4\u6e08\u3057\u305f\u5229\u5b50\u306f\u3001\u591a\u304f\u306e\u5834\u5408\u7a0e\u63a7\u9664\u306e\u5bfe\u8c61\u3068\u306a\u308a\u307e\u3059\u3002\u3068\u304f\u306b\u9ad8\u53ce\u5165\u4e16\u5e2f\u306b\u306f\u3001\u6d3b\u7528\u5ea6\u304c\u9ad8\u3044\u3067\u3057\u3087\u3046\u3002<\/li>\n<\/ul>\n<p align=\"left\">\u6b20\u70b9<\/p>\n<ul>\n<li>\u30ea\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u306e\u7533\u8acb\u306b\u306f\u3001\u53ce\u5165\u3084\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30d2\u30b9\u30c8\u30ea\u30fc\u306e\u30c1\u30a7\u30c3\u30af\u304c\u5fc5\u8981\u3067\u3059\u3002\u9ad8\u9f62\u8005\u306e\u5834\u5408\u306f\u3001\u30ed\u30fc\u30f3\u304c\u4e0b\u308a\u306a\u3044\u3053\u3068\u3082\u3042\u308a\u5f97\u307e\u3059\u3002<\/li>\n<li>\u8fd4\u6e08\u304c\u5fc5\u8981\u3067\u3059\u3002\u6708\u3005\u306e\u8fd4\u6e08\u984d\u3001\u8fd4\u6e08\u671f\u9593\u3092\u304d\u3061\u3093\u3068\u30d7\u30e9\u30f3\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u304d\u3061\u3093\u3068\u8a08\u753b\u3059\u308c\u3070\u3001\u7121\u7406\u306e\u306a\u3044\u8fd4\u6e08\u3092\u7d9a\u3051\u3001\u3061\u3087\u3063\u3068\u4f59\u88d5\u304c\u3042\u308b\u3068\u304d\u306b\u306f\u4f59\u5206\u306b\u8fd4\u6e08\u3057\u3001\u3067\u304d\u308b\u3060\u3051\u65e9\u304f\u30ed\u30fc\u30f3\u3092\u7d42\u308f\u3089\u305b\u308b\u3068\u3044\u3046\u3053\u3068\u3082\u53ef\u80fd\u3067\u3057\u3087\u3046\u3002<\/li>\n<\/ul>\n<p><b>\u00a0<\/b><\/p>\n<h3><b>\u30db\u30fc\u30e0\u30a8\u30af\u30a4\u30c6\u30a3\u30fb\u30ed\u30fc\u30f3\u3068<\/b><b>HELOC<\/b><\/h3>\n<p align=\"left\">\u30e2\u30fc\u30b2\u30fc\u30b8\u30ed\u30fc\u30f3\u306f\u5b8c\u6e08\u3057\u3066\u5bb6\u306f100\uff05\u81ea\u5206\u306e\u3082\u306e\u3068\u3044\u3046\u5834\u5408\u306a\u3089\u3001\u30db\u30fc\u30e0\u30a8\u30af\u30a4\u30c6\u30a3\u30fb\u30ed\u30fc\u30f3\u304bHELOC\uff08Home Equity Line of Credit\uff09\u3092\u5229\u7528\u3067\u304d\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u30db\u30fc\u30e0\u30a8\u30af\u30a4\u30c6\u30a3\u30fb\u30ed\u30fc\u30f3\u306f\u91d1\u984d\u3092\u6c7a\u3081\u3066\u3001\u305d\u306e\u91d1\u984d\u3092\u501f\u308a\u308b\u3082\u306e\u3067\u3042\u308b\u306e\u306b\u5bfe\u3057\u3001HELOC\u306f\u4e00\u5b9a\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u9650\u5ea6\u984d\uff08Line of Credit\uff09\u3092\u4e0e\u3048\u3089\u308c\u3001\u305d\u306e\u7bc4\u56f2\u5185\u3067\u5fc5\u8981\u306b\u5fdc\u3058\u3066\u304a\u91d1\u3092\u5f15\u304d\u51fa\u3057\u3066\u4f7f\u3046\u3068\u3044\u3046\u501f\u308a\u65b9\u3067\u3059\u3002<\/p>\n<p align=\"left\">\u5229\u70b9<\/p>\n<ul>\n<li>\u7533\u8acb\u81ea\u4f53\u306f\u6bd4\u8f03\u7684\u30b7\u30f3\u30d7\u30eb\u3067\u3001\u91d1\u5229\u3082\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306b\u6bd4\u3079\u308b\u3068\u4f4e\u3044\u3067\u3057\u3087\u3046\u3002<\/li>\n<li>\u30af\u30ed\u30fc\u30b8\u30f3\u30b0\u306e\u624b\u6570\u6599\u3082\u975e\u5e38\u306b\u5c0f\u3055\u3044\u304b\u5834\u5408\u306b\u3088\u3063\u3066\u306f\u30bc\u30ed\u306a\u306e\u3067\u3001\u77ed\u671f\u9593\u306e\u30ed\u30fc\u30f3\u306b\u306f\u6700\u9069\u3067\u3059\u3002<\/li>\n<li>\u30e2\u30fc\u30b2\u30fc\u30b8\u4fdd\u967a\u6599\u306f\u5fc5\u8981\u3042\u308a\u307e\u305b\u3093\u3002<\/li>\n<li>\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u3088\u3046\u306b\u300c62\u6b73\u4ee5\u4e0a\u300d\u3068\u3044\u3046\u6761\u4ef6\u304c\u306a\u3044\u306e\u3067\u3001\u592b\u5a66\u306e\u7247\u65b9\u304c62\u6b73\u672a\u6e80\u306e\u5834\u5408\u306b\u3082\u4f7f\u3048\u307e\u3059\u3002\u307e\u305f\u3001\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u5229\u7528\u3067\u304d\u308b\u6642\u671f\u307e\u3067\u306e\u77ed\u671f\u7684\u89e3\u6c7a\u7b56\u3068\u3057\u3066\u3082\u4f7f\u3048\u307e\u3059\u3002<\/li>\n<li>\u6708\u3005\u8fd4\u6e08\u3057\u305f\u5229\u5b50\u306f\u3001\u591a\u304f\u306e\u5834\u5408\u7a0e\u63a7\u9664\u306e\u5bfe\u8c61\u3068\u306a\u308a\u307e\u3059\u3002\u3068\u304f\u306b\u9ad8\u53ce\u5165\u4e16\u5e2f\u306b\u306f\u3001\u6d3b\u7528\u5ea6\u304c\u9ad8\u3044\u3067\u3057\u3087\u3046\u3002<\/li>\n<\/ul>\n<p align=\"left\">\u6b20\u70b9<\/p>\n<ul>\n<li>\u5bb6\u306e\u30a8\u30af\u30a4\u30c6\u30a3\u304c\u5341\u5206\u306b\u3042\u308b\u3053\u3068\u3001\u5b89\u5b9a\u3057\u305f\u53ce\u5165\u3084\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30d2\u30b9\u30c8\u30ea\u30fc\u304c\u5fc5\u8981\u3067\u3059\u3002\u9ad8\u9f62\u8005\u306e\u5834\u5408\u306f\u3001\u30ed\u30fc\u30f3\u304c\u4e0b\u308a\u306a\u3044\u3053\u3068\u3082\u3042\u308a\u5f97\u307e\u3059\u3002<\/li>\n<\/ul>\n<ul>\n<li>\u6708\u3005\u306e\u8fd4\u6e08\u304c\u5fc5\u8981\u3067\u3059\u3002\u6708\u3005\u306e\u8fd4\u6e08\u984d\u3001\u8fd4\u6e08\u671f\u9593\u3092\u304d\u3061\u3093\u3068\u30d7\u30e9\u30f3\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u304d\u3061\u3093\u3068\u8a08\u753b\u3059\u308c\u3070\u3001\u7121\u7406\u306e\u306a\u3044\u8fd4\u6e08\u3092\u7d9a\u3051\u3001\u3061\u3087\u3063\u3068\u4f59\u88d5\u304c\u3042\u308b\u3068\u304d\u306b\u306f\u4f59\u5206\u306b\u8fd4\u6e08\u3057\u3001\u3067\u304d\u308b\u3060\u3051\u65e9\u304f\u30ed\u30fc\u30f3\u3092\u7d42\u308f\u3089\u305b\u308b\u3068\u3044\u3046\u3053\u3068\u3082\u53ef\u80fd\u3067\u3057\u3087\u3046\u3002<\/li>\n<\/ul>\n<ul>\n<li>HELOC\u306e\u5834\u5408\u306f\u3001\u5bb6\u306e\u5024\u6bb5\u304c\u4e0b\u304c\u3063\u305f\u3001\u53ce\u5165\u3084\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30b9\u30b3\u30a2\u304c\u4e0b\u304c\u3063\u305f\u306a\u3069\u306e\u7406\u7531\u3067\u3001\u9280\u884c\u304c\u30af\u30ec\u30b8\u30c3\u30c8\u9650\u5ea6\u984d\u306e\u672a\u4f7f\u7528\u5206\u3092\u30ad\u30e3\u30f3\u30bb\u30eb\u3059\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002\u7d50\u679c\u7684\u306b\u3001\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306eLine of Credit\u306e\u3088\u3046\u306b\u9577\u671f\u7684\u306b\u5b89\u5b9a\u3057\u3066\u983c\u308a\u306b\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u306a\u3044\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p align=\"left\">\u8001\u5f8c\u306e\u751f\u6d3b\u8cc7\u91d1\u304c\u4e0d\u8db3\u3057\u3066\u3044\u308b\u306e\u3067\u3042\u308c\u3070\u3001\u30e9\u30a4\u30d5\u30fb\u30b9\u30bf\u30a4\u30eb\u3092\u898b\u76f4\u3057\u751f\u6d3b\u8cbb\u81ea\u4f53\u3092\u524a\u6e1b\u3059\u308b\u304b\u3001\u3042\u308b\u3044\u306f\u4ed6\u306b\u8cc7\u91d1\u6e90\u3092\u78ba\u4fdd\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u4eca\u307e\u3067\u4f4f\u3093\u3067\u3044\u305f\u5bb6\u306b\u4f4f\u307f\u7d9a\u3051\u308b\u5fc5\u8981\u304c\u306a\u3044\u306e\u3067\u3042\u308c\u3070\u3001\u601d\u3044\u5207\u3063\u3066\u5bb6\u3092\u58f2\u308b\u3053\u3068\u3067\u73fe\u91d1\u3092\u624b\u306b\u3059\u308b\u3068\u3044\u3046\u9078\u629e\u304c\u3042\u308a\u307e\u3059\u3002\u30ea\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u3001\u30db\u30fc\u30e0\u30a8\u30af\u30a4\u30c6\u30a3\u30fb\u30ed\u30fc\u30f3\u3001HELOC\u3001\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u3069\u308c\u3082\u304c\u3001\u4f4f\u3093\u3067\u3044\u308b\u5bb6\u306e\u30a8\u30af\u30a4\u30c6\u30a3\u3092\u5143\u306b\u304a\u91d1\u3092\u501f\u308a\u308b\u65b9\u6cd5\u3067\u3042\u308b\u306e\u306b\u5bfe\u3057\u3001\u4e0b\u306e\u30aa\u30d7\u30b7\u30e7\u30f3\u306f\u3001\u4f4f\u3080\u5834\u6240\u306f\u4ed6\u306b\u898b\u3064\u3051\u3001\u73fe\u5728\u306e\u5bb6\u3092\u58f2\u308b\u3053\u3068\u3067\u30a8\u30af\u30a4\u30c6\u30a3\u3092\u73fe\u91d1\u5316\u3059\u308b\u65b9\u6cd5\u3067\u3059\u3002<\/p>\n<h3 align=\"left\"><b>\u30ea\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3<\/b><\/h3>\n<p align=\"left\">\u4f4f\u5c45\u8cbb\u3001\u751f\u6d3b\u8cbb\u304c\u9ad8\u3044\u5730\u57df\u306b\u4f4f\u3093\u3067\u3044\u308b\u5834\u5408\u306f\u3001\u4f4f\u3093\u3067\u3044\u305f\u5bb6\u3092\u58f2\u308a\u3001\u305d\u306e\u8cc7\u91d1\u3067\u3082\u3063\u3068\u30b3\u30b9\u30c8\u304c\u5b89\u3044\u571f\u5730\u306b\u5bb6\u3092\u8cb7\u3044\u3001\u6b8b\u3063\u305f\u8cc7\u91d1\u3092\u8001\u5f8c\u306e\u751f\u6d3b\u8cbb\u306b\u3042\u3066\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<h3 align=\"left\"><b>\u30c0\u30a6\u30f3\u30b5\u30a4\u30ba<\/b><\/h3>\n<p align=\"left\">\u4f4f\u3093\u3067\u3044\u308b\u5bb6\u304c\u5927\u304d\u3059\u304e\u308b\u3001\u4e0d\u8981\u306a\u30b9\u30da\u30fc\u30b9\u304c\u3042\u308b\u5834\u5408\u306f\u3001\u305d\u306e\u5bb6\u3092\u58f2\u308a\u5c0f\u3055\u3044\u5bb6\u3092\u8cb7\u3044\u3001\u6b8b\u3063\u305f\u8cc7\u91d1\u3092\u8001\u5f8c\u306e\u751f\u6d3b\u8cbb\u306b\u3042\u3066\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u30ea\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u3068\u30c0\u30a6\u30f3\u30b5\u30a4\u30ba\u306f\u540c\u6642\u306b\u884c\u3046\u3053\u3068\u3082\u53ef\u80fd\u3067\u3059\u3002<\/p>\n<h3 align=\"left\"><b>\u8cc3\u8cb8<\/b><\/h3>\n<p align=\"left\">\u5bb6\u3092\u58f2\u3063\u305f\u8cc7\u91d1\u3092\u3046\u307e\u304f\u904b\u7528\u3057\u3064\u3064\u3001\u8cc3\u8cb8\u306b\u5207\u308a\u66ff\u3048\u308b\u3068\u3044\u3046\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u3002\u307e\u305f\u3001\u30b7\u30cb\u30a2\u3092\u30bf\u30fc\u30b2\u30c3\u30c8\u306b\u3057\u305f\u30b3\u30df\u30e5\u30cb\u30c6\u30a3\u3084\u30a2\u30d1\u30fc\u30c8\u306b\u4f4f\u3080\u3068\u3044\u3046\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u3002<\/p>\n<p align=\"left\">\u5229\u70b9<\/p>\n<ul>\n<li>\u5c06\u6765\u7684\u306b\u751f\u6d3b\u9762\u3067\u306e\u30b5\u30dd\u30fc\u30c8\u304c\u5fc5\u8981\u306b\u306a\u3063\u305f\u3068\u304d\u306b\u5099\u3048\u3066\u3001\u5a18\u3084\u606f\u5b50\u306e\u8fd1\u304f\u306b\u4f4f\u3080\u306a\u3069\u304c\u53ef\u80fd\u306b\u306a\u308a\u307e\u3059\u3002<\/li>\n<li>\u5bb6\u3092\u58f2\u3063\u305f\u8cc7\u91d1\u5185\u3067\u3001\u65b0\u3057\u3044\u5bb6\u306e\u7121\u7406\u306e\u306a\u3044\u8cfc\u5165\u3092\u3059\u308b\u306a\u3089\u3001\u30ed\u30fc\u30f3\u7d44\u3080\u5fc5\u8981\u304c\u3042\u308a\u307e\u305b\u3093\u3002<\/li>\n<li>\u5bb6\u3084\u5ead\u306a\u3069\u306e\u30e1\u30f3\u30c6\u30ca\u30f3\u30b9\u304c\u8efd\u6e1b\u3059\u308b\u3001\u3042\u308b\u3044\u306f\u305d\u308c\u3089\u304b\u3089\u958b\u653e\u3055\u308c\u307e\u3059\u3002<\/li>\n<li>\u592b\u5a66\u306e\u3069\u3061\u3089\u304b\u306e\u5065\u5eb7\u304c\u60aa\u5316\u3057\u3066\u3044\u308b\u3001\u81ea\u5206\u305f\u3061\u3060\u3051\u3067\u751f\u6d3b\u3057\u3066\u3044\u304f\u3053\u3068\u304c\u96e3\u3057\u304f\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u306a\u3069\u306e\u5834\u5408\u306b\u306f\u3001\u8cc3\u8cb8\u306b\u5207\u308a\u66ff\u3048\u308b\u3053\u3068\u3067\u3001\u5c06\u6765\u306e\u79fb\u52d5\u30fb\u5909\u66f4\u306b\u5bfe\u3059\u308b\u30d5\u30ec\u30ad\u30b7\u30d3\u30ea\u30c6\u30a3\u304c\u6b8b\u305b\u307e\u3059\u3002<\/li>\n<\/ul>\n<p align=\"left\">\u6b20\u70b9<\/p>\n<ul>\n<li>\u58f2\u308b\u305f\u3081\u306e\u6e96\u5099\u3001\u8cbb\u7528\u3001\u5f15\u8d8a\u3057\u8cbb\u7528\u304c\u304b\u304b\u308a\u307e\u3059\u3002<\/li>\n<li>\u9577\u5e74\u4f4f\u3093\u3067\u3044\u305f\u5bb6\u3078\u306e\u601d\u3044\u5165\u308c\u3092\u65ad\u3061\u5207\u3089\u306d\u3070\u306a\u308a\u307e\u305b\u3093\u3002<\/li>\n<\/ul>\n<h3 align=\"left\"><b>\u00a0<\/b><\/h3>\n<h3 align=\"left\"><b>\u5bb6\u65cf\u5185\u3067\u306e\u58f2\u8cb7\u3068\u30ea\u30fc\u30b9\u30fb\u30d0\u30c3\u30af<\/b><\/h3>\n<p align=\"left\">\u4f4f\u3093\u3067\u3044\u308b\u5bb6\u3092\u5b50\u3069\u3082\u306b\u58f2\u308a\u3001\u5b50\u3069\u3082\u304b\u3089\u8cc3\u8cb8\u3092\u53d7\u3051\u308b\uff08\u30ea\u30fc\u30b9\u30fb\u30d0\u30c3\u30af\uff09\u3068\u3044\u3046\u5f62\u3092\u3068\u308b\u3068\u3044\u3046\u9078\u629e\u80a2\u3082\u3042\u308a\u307e\u3059\u3002\u5bb6\u306f\u5b50\u3069\u3082\u306e\u3082\u306e\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u305d\u308c\u3092\u30ea\u30fc\u30b9\u3059\u308b\u306e\u3067\u3001\u7d99\u7d9a\u3057\u3066\u305d\u306e\u5bb6\u306b\u4f4f\u307f\u7d9a\u3051\u308b\u3053\u3068\u304c\u53ef\u80fd\u306b\u306a\u308a\u307e\u3059\u3002\u5bb6\u3092\u58f2\u3063\u305f\u8cc7\u91d1\u306f\u8cc3\u8cb8\u6599\u3068\u751f\u6d3b\u8cbb\u306b\u3042\u3066\u3089\u308c\u307e\u3059\u3002\u5b50\u3069\u3082\u304b\u3089\u8001\u5f8c\u306e\u8cc7\u91d1\u3092\u3082\u3089\u3044\u3001\u305d\u306e\u4ee3\u308f\u308a\u306b\u5bb6\u3092\u6b8b\u3059\u3068\u3044\u3046\u3084\u308a\u3068\u308a\u3092\u304d\u3061\u3093\u3068\u30b7\u30b9\u30c6\u30e0\u5316\u3057\u305f\u3082\u306e\u3067\u3059\u3002<\/p>\n<p align=\"left\">\u5229\u70b9<\/p>\n<ul>\n<li>\u89aa\u306f\u3001\u4f4f\u307f\u6163\u308c\u305f\u5bb6\u306b\u4f4f\u307f\u7d9a\u3051\u306a\u304c\u3089\u3001\u307e\u3068\u307e\u3063\u305f\u8cc7\u91d1\u3092\u5f97\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u9ad8\u3044\u30b3\u30b9\u30c8\u306a\u3057\u306b\u3001\u30a8\u30af\u30a4\u30c6\u30a3\u3092\u73fe\u91d1\u5316\u3067\u304d\u307e\u3059\u3002<\/li>\n<li>\u5bb6\u306e\u6a29\u5229\u304c\u5bb6\u65cf\u306e\u624b\u306e\u4e2d\u306b\u6b8b\u305b\u307e\u3059\u3002<\/li>\n<li>\u5b50\u3069\u3082\u306f\u8cc3\u8cb8\u53ce\u5165\u3092\u5f97\u308b\u3068\u3068\u3082\u306b\u3001\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u30ed\u30fc\u30f3\u5229\u5b50\u3001\u30e1\u30f3\u30c6\u30ca\u30f3\u30b9\u8cbb\u7528\u3001\u5bb6\u306e\u4fdd\u967a\u3001\u6e1b\u4fa1\u511f\u5374\u8cbb\u306a\u3069\u306b\u5bfe\u3057\u7a0e\u63a7\u9664\u3092\u53d7\u3051\u3089\u308c\u307e\u3059\u3002<\/li>\n<\/ul>\n<p align=\"left\">\u6b20\u70b9<\/p>\n<ul>\n<li>\u5b50\u3069\u3082\u5074\u306b\u3001\u8cfc\u5165\u3059\u308b\u305f\u3081\u306e\u8cc7\u91d1\u529b\u304c\u5fc5\u8981\u3067\u3059\u3002<\/li>\n<li>\u58f2\u8cb7\u4fa1\u683c\u3068\u8cc3\u8cb8\u4fa1\u683c\u306f\u3001\u7b2c\u4e09\u8005\u9593\u3067\u306e\u53d6\u5f15\u306b\u5339\u6575\u3059\u308b\u5e02\u5834\u4fa1\u683c\u306b\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/li>\n<li>\u53d6\u5f15\u3092\u6210\u7acb\u3055\u305b\u308b\u305f\u3081\u3001\u4f1a\u8a08\u58eb\u3001\u5f01\u8b77\u58eb\u306a\u3069\u306e\u5c02\u9580\u5bb6\u306e\u30d8\u30eb\u30d7\u304c\u5fc5\u8981\u3068\u306a\u308b\u3067\u3057\u3087\u3046\u3002<\/li>\n<\/ul>\n<p align=\"left\"><b>\u00a0<\/b><\/p>\n<h3 align=\"left\"><b>\u5bb6\u65cf\u9593\u3067\u306e\u30ed\u30fc\u30f3<\/b><\/h3>\n<p 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