{"id":3260,"date":"2015-02-24T09:34:33","date_gmt":"2015-02-24T17:34:33","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=3260"},"modified":"2015-02-04T14:35:07","modified_gmt":"2015-02-04T22:35:07","slug":"hybrid_mortgage2","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/hybrid_mortgage2\/","title":{"rendered":"\u30e2\u30fc\u30b2\u30fc\u30b8\u3000\uff0d\u3000\u7121\u7406\u306b15\u5e74\u30ed\u30fc\u30f3\u306b\u3057\u306a\u3044\u306e\u304c\u8ce2\u660e\u306a\u308f\u3051"},"content":{"rendered":"<p>15\u5e74\u56fa\u5b9a\u91d1\u5229\u30ed\u30fc\u30f3\u306830\u5e74\u56fa\u5b9a\u91d1\u5229\u30ed\u30fc\u30f3\u3068\u306e\u5229\u5b50\u306e\u958b\u304d\u304c\u5927\u304d\u304f\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u904e\u53bb\u306e\u50be\u5411\u304b\u3089\u3044\u304f15\u5e74\u30ed\u30fc\u30f3\u306e\u91d1\u5229\u306f30\u5e74\u306e\u305d\u308c\u3088\u308a0.25\uff05\uff5e0.30\uff05\u304f\u3089\u3044\u4f4e\u3044\u3068\u3044\u3046\u306e\u304c\u666e\u901a\u306e\u3088\u3046\u3067\u3059\u304c\u30012015\u5e742\u6708\u3067\u306f\u5168\u56fd\u5e73\u5747\u30670.70\uff05\u5f31\u306e\u958b\u304d\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u4e00\u5e74\u524d\u306f\u3082\u3063\u3068\u3053\u306e\u958b\u304d\u304c\u5927\u304d\u304f\u30011.00%\u3068\u3044\u3046\u3053\u3068\u3082\u3042\u308a\u307e\u3057\u305f\u3002\u305d\u3082\u305d\u3082\u4f4e\u91d1\u5229\u304c\u7d9a\u3044\u3066\u3044\u308b\u306e\u306b\u3001\u305d\u306e\u4e2d\u3067\u3082\u3072\u3068\u304d\u308f\u4f4e\u304415\u5e74\u30ed\u30fc\u30f3\u306e\u91d1\u5229\u306f\u6ce8\u76ee\u3092\u547c\u3076\u3082\u306e\u3067\u3001\u3053\u306e\u969b\u306b\u305c\u307215\u5e74\u30ed\u30fc\u30f3\u306b\u3057\u305f\u307b\u3046\u304c\u3044\u3044\u3068\u3044\u3046\u58f2\u308a\u6587\u53e5\u3082\u3088\u304f\u898b\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>15\u5e74\u30ed\u30fc\u30f3\u304c\u9b45\u529b\u7684\u306a\u308f\u3051<\/h2>\n<p>15\u5e74\u30ed\u30fc\u30f3\u306e\u5927\u304d\u306a\u9b45\u529b\u306f\u300130\u5e74\u30ed\u30fc\u30f3\u306b\u6bd4\u3079\u3066\u652f\u6255\u3046\u5229\u5b50\u306e\u7dcf\u984d\u3092\u5927\u304d\u304f\u524a\u6e1b\u3067\u304d\u308b\u3053\u3068\u3067\u3059\u3002\u4e0b\u306f$400,000\u3092\u300115\u5e74\u56fa\u5b9a\u91d1\u5229\u306830\u5e74\u56fa\u5b9a\u91d1\u5229\u3067\u501f\u308a\u305f\u5834\u5408\u306b\u652f\u6255\u3046\u5229\u5b50\u306e\u5408\u8a08\u3067\u3059\u3002<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2015\/02\/30-vs-15yr-interest.gif?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3264\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2015\/02\/30-vs-15yr-interest.gif?resize=262%2C139&#038;ssl=1\" alt=\"30 vs 15yr interest\" width=\"262\" height=\"139\" \/><\/a><\/p>\n<p>15\u5e74\u56fa\u5b9a\u3067\u306f\u5229\u5b50\u5408\u8a08\u304c$88,607\u306a\u306e\u306b\u5bfe\u3057\u300130\u5e74\u56fa\u5b9a\u3067\u306f$236,619\u30682.6\u500d\u3082\u306e\u5229\u5b50\u3092\u6255\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u305d\u306e\u5dee\u984d\u306f\u7d04$150,000\u3067\u3001\u3053\u306e\u984d\u304c\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3084\u5b66\u8cc7\u306b\u5145\u3066\u3089\u308c\u305f\u3089\uff65\uff65\u3068\u3082\u601d\u3046\u3067\u3057\u3087\u3046\u3002\u3053\u3046\u6bd4\u8f03\u3059\u308b\u306830\u5e74\u30ed\u30fc\u30f3\u3092\u7d44\u3080\u306e\u306f\u3044\u304b\u306b\u3082\u640d\u306a\u611f\u3058\u304c\u3057\u3066\u3001\u300c\u3053\u306e\u91d1\u5229\u306e\u5b89\u3044\u3046\u3061\u306b\u65e9\u304f\u501f\u308a\u3066\u304a\u3044\u305f\u307b\u3046\u304c\u3044\u3044\u3067\u3059\u3088\u300d\u3068\u3044\u308f\u308c\u308c\u3070\u3001\u6708$1,000\u306e\u4f59\u5206\u306a\u8fd4\u6e08\u984d\u304c\u306a\u3093\u3068\u304b\u8ca0\u62c5\u3067\u304d\u308b\u306a\u308915\u5e74\u30ed\u30fc\u30f3\u306b\u3057\u3088\u3046\u3068\u601d\u3046\u306e\u304c\u4eba\u60c5\u3068\u3044\u3046\u3082\u306e\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2>\u3061\u3087\u3063\u3068\u5f85\u3063\u3066<\/h2>\n<p>\u3053\u306e\u6708$1,000\u304c\u4eca\u3082\u4eca\u5f8c15\u5e74\u9593\u3082\u6052\u5e38\u7684\u306b\u3042\u308b\u7a0b\u5ea6\u306e\u4f59\u88d5\u3092\u3082\u3063\u3066\u51fa\u3059\u3053\u3068\u304c\u3067\u304d\u308b\u306e\u3067\u3042\u308c\u3070\u3001\u3082\u3061\u308d\u309315\u5e74\u30ed\u30fc\u30f3\u306b\u3057\u305f\u307b\u3046\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001$1,000\u3092\u51fa\u3059\u3053\u3068\u3067\u5c06\u6765\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306e\u6e96\u5099\u304c\u5c11\u3005\u304a\u305d\u308d\u304b\u306b\u306a\u308b\u3068\u304b\u3001\u4eca\u5f8c\u5b50\u3069\u3082\u3092\u5927\u5b66\u306b\u3084\u3089\u306d\u3070\u306a\u3089\u306a\u3044\u306e\u3067\u305d\u306e\u9593\u306f\u5b66\u8cc7\u3082\u5fc3\u914d\u3060\u3068\u304b\u3001\u4f59\u88d5\u304c\u3042\u308b\u6708\u3082\u3042\u308b\u304b\u3082\u3057\u308c\u306a\u3044\u304c\u306a\u3044\u6708\u3082\u3042\u308b\u304b\u3082\u3057\u308c\u306a\u3044\u306a\u3069\u3068\u3044\u3046\u72b6\u6cc1\u304c\u3042\u308b\u306e\u306a\u3089\u3001\u7121\u7406\u306b15\u5e74\u30ed\u30fc\u30f3\u306b\u3057\u306a\u3044\u307b\u3046\u304c\u3044\u3044\u3053\u3068\u3082\u591a\u3044\u306e\u3067\u3059\u3002<\/p>\n<p>\u3068\u304f\u306b\u6ce8\u610f\u3057\u305f\u3044\u306e\u306f15\u5e74\u30ed\u30fc\u30f3\u3092\u7d44\u3093\u3060\u304c\u3086\u3048\u306b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306e\u6e96\u5099\u304c\u5f8c\u56de\u3057\u306b\u306a\u308b\u3053\u3068\u3067\u3059\u3002\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u3067\u304d\u3061\u3093\u3068\u7a4d\u307f\u7acb\u3066\u3092\u3057\u3066\u3044\u3051\u3070\u3001\u30ea\u30b9\u30af\u4e2d\u5eb8\u306e\u6295\u8cc7\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3067\u30826\uff05\uff5e8\uff05\u7a0b\u5ea6\u306e\u5229\u56de\u308a\u306f\u898b\u8fbc\u3081\u308b\u3067\u3057\u3087\u3046\u3002\u305d\u308c\u306a\u306e\u306b2.750\uff05\u306e\u5229\u5b50\u3067\u501f\u308a\u305f\u3044\u304c\u305f\u3081\u306b\u7121\u7406\u3057\u306615\u5e74\u30ed\u30fc\u30f3\u3067\u8fd4\u6e08\u984d\u3092\u5897\u3084\u3057\u305f\u306e\u3067\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u306b\u56de\u3059\u304a\u91d1\u304c\u306a\u304f\u306a\u3063\u305f\u3068\u3044\u3046\u306e\u306f\u611a\u4f5c\u3067\u3059\u3002\u305d\u306e\u53cd\u5bfe\u306b\u30013.375\uff05\uff0830\u5e74\u30ed\u30fc\u30f3\u306e\u91d1\u5229\uff09\u3067\u501f\u308a\u3066\u304a\u3044\u3066\u3001\u6d6e\u3044\u305f$1,000\u3092\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306b\u56de\u30576\uff05\uff5e8\uff05\u306e\u5229\u56de\u308a\u3067\u5897\u3084\u3057\u305f\u307b\u3046\u304c\u8ce2\u3044\u3084\u308a\u65b9\u3067\u3059\u3002<\/p>\n<p>\u3067\u308230\u5e74\u30ed\u30fc\u30f3\u306b\u3057\u3066\u3042\u3093\u306a\u306b\u5927\u304d\u306a\u5229\u5b50\u7dcf\u984d\u3092\u6255\u3046\u306e\u306b\u306f\u62b5\u6297\u304c\u3042\u308b\u30fb\u30fb\u3068\u3044\u3046\u65b9\u3082\u3044\u3089\u3063\u3057\u3083\u308b\u3067\u3057\u3087\u3046\u3002\u305d\u3046\u3044\u3046\u5834\u5408\u306e\u3082\u3046\u3072\u3068\u3064\u306e\u30aa\u30d7\u30b7\u30e7\u30f3\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u306e\u30aa\u30d7\u30b7\u30e7\u30f3\u3092\u898b\u308b\u524d\u306b\u3001\u4eca\u4e00\u6b69\u3001\u306a\u305c15\u5e74\u30ed\u30fc\u30f3\u306830\u5e74\u30ed\u30fc\u30f3\u3067\u3001\u652f\u6255\u3044\u5229\u5b50\u306e\u7dcf\u984d\u304c\u3053\u308c\u307b\u3069\u307e\u3067\u306b\u5927\u304d\u304f\u9055\u3046\u306e\u304b\u306b\u3064\u3044\u3066\u8003\u5bdf\u3057\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2>\u306a\u305c\u5229\u5b50\u7dcf\u984d\u304c\u3053\u3093\u306a\u306b\u9055\u3046\u306e\u304b<\/h2>\n<p>15\u5e74\u30ed\u30fc\u30f3\u306830\u5e74\u30ed\u30fc\u30f3\u306e\u91d1\u5229\u306e\u5dee\u306b\u306f\u3001\u7406\u7531\u304c\u3075\u305f\u3064\u3042\u308a\u307e\u3059\u3002\u3072\u3068\u3064\u306f15\u5e74\u30ed\u30fc\u30f3\u306e\u307b\u3046\u304c\u91d1\u5229\u304c\u4f4e\u3044\u3053\u3068\u3067\u3059\u304c\u3001\u3082\u3046\u3072\u3068\u3064\u306f15\u5e74\u30ed\u30fc\u30f3\u306e\u307b\u3046\u304c\u501f\u308a\u5165\u308c\u671f\u9593\u304c\u77ed\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u305d\u3057\u3066\u3001\u3053\u306e\u3075\u305f\u3064\u306e\u3046\u3061\u3069\u3061\u3089\u304c\u3001\u5229\u5b50\u7dcf\u984d\u306b\u3088\u308a\u5927\u304d\u306a\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u304b\u3068\u3044\u3046\u3068\u5b9f\u306f\u501f\u308a\u5165\u308c\u671f\u9593\u306e\u307b\u3046\u3067\u3059\u3002\u5b9f\u969b\u306e\u4f8b\u3067\u898b\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u305f\u3068\u3048\u307030\u5e74\u56fa\u5b9a\u30ed\u30fc\u30f3\u306f\u5b9f\u306f3.375\uff05\u3067\u3059\u304c\u3001\u3082\u305715\u5e74\u56fa\u5b9a\u30ed\u30fc\u30f3\u3068\u540c\u3058\u91d1\u5229\u3067\u3042\u308b2.750\uff05\u3067\u501f\u308a\u3089\u308c\u305f\u3068\u3057\u305f\u3089\u3001\u5229\u5b50\u7dcf\u984d\u306f\u3069\u306e\u304f\u3089\u3044\u6e1b\u308b\u304b\u3068\u3044\u3046\u8a08\u7b97\u3092\u3057\u3066\u307f\u308b\u3068\u3001\u3053\u308c\u306f$187,867\u3068\u306a\u308a\u3001\u91d1\u5229\u304c15\u5e74\u30ed\u30fc\u30f3\u3068\u540c\u3058\u4f4e\u3044\u30ec\u30d9\u30eb\u306b\u4e0b\u304c\u3063\u305f\u3053\u3068\u3067\u7bc0\u7d04\u3067\u304d\u308b\u5229\u5b50\u984d\u306f$48,752\u3067\u3057\u305f\u3002<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2015\/02\/30-yr-interest-different.gif?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3263\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2015\/02\/30-yr-interest-different.gif?resize=450%2C136&#038;ssl=1\" alt=\"30 yr interest different\" width=\"450\" height=\"136\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>\u3067\u306f\u300130\u5e74\u56fa\u5b9a\u30ed\u30fc\u30f3\u306e\u91d1\u5229\u306f\u3082\u3068\u3082\u3068\u306e3.375\uff05\u306e\u9ad8\u3044\u30ec\u30d9\u30eb\u306e\u307e\u307e\u3001\u305f\u3060\u300130\u5e74\u3067\u306f\u306a\u304f\u306615\u5e74\u9593\u3067\u8fd4\u6e08\u3057\u3066\u3057\u307e\u3046\u3068\u3059\u308b\u3068\u3069\u3046\u306a\u308b\u3067\u3057\u3087\u3046\u3002\u5229\u5b50\u7dcf\u984d\u306f$110,307\u3068\u306a\u308a\u3001\u5229\u5b50\u306f\u307e\u3063\u305f\u304f\u4e00\u7dd2\u3067\u3082\u3001\u6255\u3044\u8fbc\u3080\u5229\u5b50\u984d\u3092$126,312\u3082\u7bc0\u7d04\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2015\/02\/30yr-reduction-of-loan-period.gif?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3262\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2015\/02\/30yr-reduction-of-loan-period.gif?resize=448%2C135&#038;ssl=1\" alt=\"30yr reduction of loan period\" width=\"448\" height=\"135\" 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