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class=\"wp-block-heading\" id=\"content2\">\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u91d1\u5229\u306b\u306a\u305c\u5f71\u97ff\u3059\u308b\u306e\uff1f<\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img alt=\"\" decoding=\"async\" src=\"https:\/\/www.familyls.jp\/column\/wp-content\/uploads\/2024\/06\/negativeinterestrate3.jpg\" alt=\"\" class=\"wp-image-1744\"\/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4f4f\u5b85\u30ed\u30fc\u30f3\u306b\u9069\u7528\u3055\u308c\u308b\u91d1\u5229\u306f\u3001\u56fa\u5b9a\u91d1\u5229\u3068\u5909\u52d5\u91d1\u5229\u306b\u5206\u304b\u308c\u3066\u304a\u308a\u3001\u3069\u3061\u3089\u3082\u653f\u7b56\u91d1\u5229\u306b\u9023\u52d5\u3057\u307e\u3059\u3002\u3053\u3053\u3067\u306f\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u91d1\u5229\u306e\u7a2e\u985e\u3068\u91d1\u5229\u304c\u3069\u306e\u3088\u3046\u306b\u6c7a\u307e\u308b\u306e\u304b\u3092\u8aac\u660e\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u91d1\u5229\u306e\u7a2e\u985e\u306b\u3064\u3044\u3066<\/h3>\n\n\n\n<p>\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u91d1\u5229\u30bf\u30a4\u30d7\u306f\u3001\u4e3b\u306b\u56fa\u5b9a\u91d1\u5229\u3068\u5909\u52d5\u91d1\u5229\u306e2\u7a2e\u985e\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u56fa\u5b9a\u91d1\u5229\u306f\u3001\u91d1\u5229\u304c\u56fa\u5b9a\u3055\u308c\u308b\u30bf\u30a4\u30d7\u3067\u3042\u308a\u3001\u5168\u671f\u9593\u30013\u5e74\u30015\u5e74\u300110\u5e74\u300115\u5e74\u306a\u3069\u91d1\u878d\u6a5f\u95a2\u304c\u5b9a\u3081\u305f\u671f\u9593\u304c\u9078\u3079\u307e\u3059\u3002\u56fa\u5b9a\u91d1\u5229\u306e\u7279\u5fb4\u306f\u3001\u91d1\u5229\u304c\u6c7a\u307e\u3063\u3066\u3044\u308b\u305f\u3081\u3001\u6bce\u6708\u306e\u8fd4\u6e08\u984d\u304c\u540c\u3058\u3068\u306a\u308a\u3001\u671f\u9593\u4e2d\u3067\u5909\u308f\u308a\u307e\u305b\u3093\u3002\u91d1\u5229\u5909\u52d5\u306e\u5f71\u97ff\u306f\u53d7\u3051\u307e\u305b\u3093\u304c\u3001\u9069\u7528\u3055\u308c\u308b\u91d1\u5229\u304c\u5909\u52d5\u91d1\u5229\u3088\u308a\u9ad8\u3044\u305f\u3081\u3001\u7dcf\u652f\u6255\u984d\u304c\u591a\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u5909\u52d5\u91d1\u5229\u306f\u3001\u305d\u306e\u3068\u304d\u306e\u5e02\u6cc1\u306b\u3088\u3063\u3066\u9069\u7528\u91d1\u5229\u304c\u5909\u308f\u308a\u3001\u534a\u5e74\u306b\u4e00\u5ea6\u3001\u91d1\u5229\u306e\u898b\u76f4\u3057\u304c\u3042\u308a\u307e\u3059\u3002\u3055\u3089\u306b\u3001\u56fa\u5b9a\u91d1\u5229\u3088\u308a\u9069\u7528\u91d1\u5229\u304c\u4f4e\u304f\u3001\u6bce\u6708\u306e\u8fd4\u6e08\u984d\u3092\u6291\u3048\u3089\u308c\u308b\u70b9\u304c\u7279\u5fb4\u3067\u3059\u3002\u3057\u304b\u3057\u3001\u91d1\u5229\u304c\u4e0a\u6607\u3057\u305f\u5834\u5408\u3001\u6bce\u6708\u306e\u652f\u6255\u984d\u304c\u5897\u3048\u3066\u3001\u56fa\u5b9a\u91d1\u5229\u3088\u308a\u3082\u7dcf\u652f\u6255\u984d\u304c\u591a\u304f\u306a\u308b\u30ea\u30b9\u30af\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u56fa\u5b9a\u91d1\u5229\u3068\u5909\u52d5\u91d1\u5229\u306e\u30e1\u30ea\u30c3\u30c8\u3068\u30c7\u30e1\u30ea\u30c3\u30c8\u306b\u3064\u3044\u3066\u3001\u4ee5\u4e0b\u306e\u8868\u306b\u307e\u3068\u3081\u307e\u3057\u305f\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>&nbsp;<\/th><th>\u56fa\u5b9a\u91d1\u5229<\/th><th>\u5909\u52d5\u91d1\u5229<\/th><\/tr><tr><th>\u30e1\u30ea\u30c3\u30c8<\/th><td>\u30fb\u6bce\u6708\u306e\u652f\u6255\u984d\u304c\u6c7a\u307e\u3063\u3066\u3044\u308b<br>\u30fb\u5bb6\u8a08\u7ba1\u7406\u304c\u3057\u3084\u3059\u3044<br>\u30fb\u91d1\u5229\u30ea\u30b9\u30af\u306b\u5f71\u97ff\u3057\u306a\u3044<\/td><td>\u30fb\u652f\u6255\u984d\u304c\u4f4e\u3044<br>\u30fb\u5229\u606f\u8ca0\u62c5\u304c\u5c11\u306a\u3044<br>\u30fb\u7dcf\u652f\u6255\u984d\u304c\u5c11\u306a\u3044<\/td><\/tr><tr><th>\u30c7\u30e1\u30ea\u30c3\u30c8<\/th><td>\u30fb\u91d1\u5229\u304c\u9ad8\u3081<br>\u30fb\u6708\u3005\u306e\u8fd4\u6e08\u984d\u304c\u9ad8\u3044<br>\u30fb\u7dcf\u652f\u6255\u984d\u304c\u591a\u304f\u306a\u308b<\/td><td>\u30fb\u534a\u5e74\u306b\u4e00\u5ea6\u3001\u898b\u76f4\u3057\u304c\u3042\u308b<br>\u30fb\u8fd4\u6e08\u984d\u304c\u5909\u308f\u308b\u3053\u3068\u304c\u3042\u308b<br>\u30fb\u91d1\u5229\u30ea\u30b9\u30af\u306b\u5f71\u97ff\u3059\u308b<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u91d1\u5229\u30bf\u30a4\u30d7\u306b\u3064\u3044\u3066\u306f\u4ee5\u4e0b\u306e\u8a18\u4e8b\u3067\u3082\u89e3\u8aac\u3057\u3066\u3044\u308b\u305f\u3081\u3001\u3054\u53c2\u7167\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n<p><a href=\"https:\/\/www.familyls.jp\/column\/loan\/dym_column05\/\" target=\"_blank\" rel=\"noopener\">\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u5909\u52d5\u91d1\u5229\u3068\u306f\uff1f\u56fa\u5b9a\u91d1\u5229\u3068\u306e\u9055\u3044\u3084\u91d1\u5229\u30bf\u30a4\u30d7\u306e\u9078\u3073\u65b9\u3082\u89e3\u8aac<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u91d1\u5229\u306f\u3069\u306e\u3088\u3046\u306b\u8a2d\u5b9a\u3055\u308c\u308b\u306e\u304b<\/h3>\n\n\n\n<p>\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u91d1\u5229\u306f\u3001\u65e5\u9280\u3084\u6c11\u9593\u91d1\u878d\u6a5f\u95a2\u304c\u767a\u8868\u3057\u3066\u3044\u308b\u91d1\u5229\u3092\u3082\u3068\u306b\u57fa\u6e96\u91d1\u5229\u304c\u8a2d\u5b9a\u3055\u308c\u307e\u3059\u3002\u57fa\u6e96\u91d1\u5229\u3068\u306f\u3001\u5e97\u982d\u3067\u51fa\u3057\u3066\u3044\u308b\u91d1\u5229\u3067\u3042\u308a\u3001\u4e00\u822c\u7684\u306a\u5546\u54c1\u306e\u5b9a\u4fa1\u306b\u5f53\u305f\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3010\u30d5\u30e9\u30c3\u30c835\u3011\u306f\u4f4f\u5b85\u30ed\u30fc\u30f3\u62c5\u4fdd\u8a3c\u5238\u306e\u5229\u56de\u308a\u91d1\u5229\u3001\u6c11\u9593\u91d1\u878d\u6a5f\u95a2\u3067\u306f15\u5e74\u8d85\u306e\u30b9\u30ef\u30c3\u30d7\u30ec\u30fc\u30c8\u3092\u57fa\u306b\u91d1\u5229\u3092\u8a2d\u5b9a\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u307e\u305f\u3001\u5909\u52d5\u91d1\u5229\u306f\u3001\u77ed\u671f\u30d7\u30e9\u30a4\u30e0\u30ec\u30fc\u30c8\u306b\u9023\u52d5\u3057\u3066\u91d1\u5229\u304c\u6c7a\u307e\u308a\u307e\u3059\u3002\u77ed\u671f\u30d7\u30e9\u30a4\u30e0\u30ec\u30fc\u30c8\u3068\u306f\u3001\u9280\u884c\u304c\u512a\u826f\u3068\u3055\u308c\u308b\u4f01\u696d\u306b\u8cb8\u3057\u4ed8\u3051\u308b1\u5e74\u4ee5\u5185\u306e\u77ed\u671f\u8cb8\u4ed8\u306e\u91d1\u5229\u3092\u6307\u3057\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u77ed\u671f\u30d7\u30e9\u30a4\u30e0\u30ec\u30fc\u30c8\u306f\u653f\u7b56\u91d1\u5229\u306e\u52d5\u5411\u306b\u5f71\u97ff\u3055\u308c\u3084\u3059\u3044\u7279\u5fb4\u304c\u3042\u308a\u307e\u3059\u3002\u91d1\u878d\u6a5f\u95a2\u306e\u6a19\u6e96\u91d1\u5229\u306f\u3001\u77ed\u671f\u30d7\u30e9\u30a4\u30e0\u30ec\u30fc\u30c8\u306b1\uff05\u304f\u3089\u3044\u306e\u4e00\u5b9a\u5e45\u3092\u30d7\u30e9\u30b9\u3057\u3066\u8a2d\u5b9a\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<h3 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