{"id":1638,"date":"2026-10-09T13:43:07","date_gmt":"2026-10-09T04:43:07","guid":{"rendered":"https:\/\/saitama-kyosai.or.jp\/jutaku\/?post_type=column&#038;p=1638"},"modified":"2026-10-09T13:50:53","modified_gmt":"2026-10-09T04:50:53","slug":"5125rules","status":"publish","type":"column","link":"https:\/\/saitama-kyosai.or.jp\/jutaku\/column\/5125rules","title":{"rendered":"\u3010\u4eca\u66f4\u805e\u3051\u306a\u3044\uff01\uff1f\u3011\u4f4f\u5b85\u30ed\u30fc\u30f3\u5909\u52d5\u91d1\u5229\u306e\u300c5\u5e74\u30eb\u30fc\u30eb\u30fb125%\u30eb\u30fc\u30eb\u300d\u3068\u306f\uff1f\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\u3067\u5fb9\u5e95\u89e3\u8aac\uff01"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u6700\u8fd1\u3001\u30cb\u30e5\u30fc\u30b9\u3067\u3082\u3088\u304f\u8033\u306b\u3059\u308b\u300c\u91d1\u5229\u4e0a\u6607\u300d\u3002 \u3053\u308c\u304b\u3089\u30de\u30a4\u30db\u30fc\u30e0\u3092\u304a\u8003\u3048\u306e\u65b9\u3084\u3001\u3059\u3067\u306b\u5909\u52d5\u91d1\u5229\u3067\u4f4f\u5b85\u30ed\u30fc\u30f3\u3092\u7d44\u3093\u3067\u3044\u308b\u65b9\u306e\u4e2d\u306b\u306f\u3001\u300c\u3082\u3057\u91d1\u5229\u304c\u3069\u3093\u3069\u3093\u4e0a\u304c\u3063\u305f\u3089\u3001\u6bce\u6708\u306e\u652f\u6255\u3044\u306f\u3069\u3046\u306a\u3063\u3066\u3057\u307e\u3046\u306e\uff1f\u300d\u3068\u4e0d\u5b89\u3092\u611f\u3058\u3066\u3044\u308b\u65b9\u3082\u591a\u3044\u306e\u3067\u306f\u306a\u3044\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b9f\u306f\u3001\u4e00\u822c\u7684\u306a\u5909\u52d5\u91d1\u5229\u578b\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u306b\u306f\u3001\u5229\u7528\u8005\u3092\u6025\u6fc0\u306a\u652f\u6255\u3044\u5897\u52a0\u304b\u3089\u5b88\u308b\u305f\u3081\u306e\u300c2\u3064\u306e\u91cd\u8981\u306a\u30eb\u30fc\u30eb\u300d\u304c\u5b58\u5728\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4eca\u56de\u306f\u3001\u3053\u306e\u30eb\u30fc\u30eb\u306e\u4ed5\u7d44\u307f\u3068\u3001\u77e5\u3063\u3066\u304a\u304f\u3079\u304d\u6ce8\u610f\u70b9\u306b\u3064\u3044\u3066\u308f\u304b\u308a\u3084\u3059\u304f\u89e3\u8aac\u3057\u307e\u3059\u3002\u8a18\u4e8b\u306e\u6700\u5f8c\u306b\u306f\u3001\u3054\u81ea\u8eab\u3067\u91d1\u5229\u4e0a\u6607\u306e\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\u304c\u3067\u304d\u308b\u30c4\u30fc\u30eb\u3082\u3054\u7528\u610f\u3057\u3066\u3044\u307e\u3059\u306e\u3067\u3001\u305c\u3072\u6700\u5f8c\u307e\u3067\u3054\u89a7\u304f\u3060\u3055\u3044\uff01<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5909\u52d5\u91d1\u5229\u3092\u5b88\u308b2\u3064\u306e\u30eb\u30fc\u30eb<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. \u300c5\u5e74\u30eb\u30fc\u30eb\u300d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u91d1\u5229\u306f\u534a\u5e74\u306b\u4e00\u5ea6\u898b\u76f4\u3055\u308c\u307e\u3059\u304c\u3001<strong>\u300c5\u5e74\u9593\u300d\u306f\u6bce\u6708\u306e\u8fd4\u6e08\u984d\u304c\u5909\u308f\u3089\u306a\u3044<\/strong>\u3068\u3044\u3046\u4ed5\u7d44\u307f\u3067\u3059\u3002 \u3082\u3057\u4e16\u306e\u4e2d\u306e\u91d1\u5229\u304c\u6025\u6fc0\u306b\u4e0a\u6607\u3057\u305f\u3068\u3057\u3066\u3082\u3001\u3059\u3050\u306b\u5bb6\u8a08\u306e\u8ca0\u62c5\u304c\u91cd\u304f\u306a\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u6700\u521d\u306e5\u5e74\u9593\u306f\u3001\u8a08\u753b\u901a\u308a\u306e\u91d1\u984d\u3092\u652f\u6255\u3044\u7d9a\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. \u300c125%\u30eb\u30fc\u30eb\u300d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">6\u5e74\u76ee\u3092\u8fce\u3048\u3066\u8fd4\u6e08\u984d\u304c\u898b\u76f4\u3055\u308c\u308b\u969b\u3001\u3069\u308c\u3060\u3051\u91d1\u5229\u304c\u4e0a\u304c\u3063\u3066\u3044\u305f\u3068\u3057\u3066\u3082\u3001\u65b0\u3057\u3044\u8fd4\u6e08\u984d\u306f\u300c\u524d\u56de\u306e\u8fd4\u6e08\u984d\u306e1.25\u500d\uff08125%\uff09\u300d\u307e\u3067\u3057\u304b\u4e0a\u304c\u3089\u306a\u3044\u3068\u3044\u3046\u4e0a\u9650\u30eb\u30fc\u30eb\u3067\u3059\u3002 \u4f8b\u3048\u3070\u3001\u6bce\u67088\u4e07\u5186\u3092\u8fd4\u6e08\u3057\u3066\u3044\u305f\u5834\u5408\u3001\u6b21\u306e\u898b\u76f4\u3057\u3067\u3069\u3093\u306a\u306b\u91d1\u5229\u304c\u4e0a\u304c\u3063\u3066\u3082\u3001\u4e0a\u9650\u306f10\u4e07\u5186\uff088\u4e07\u5186\u00d71.25\uff09\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u25a0 \u3082\u3057\u3082\u306e\u6642\u306e\u5099\u3048<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u91d1\u5229\u304c\u4e0a\u304c\u3063\u3066\u5143\u672c\u306e\u8fd4\u6e08\u304c\u5c11\u306a\u304f\u306a\u3063\u305f\u308a\u3001\u672a\u6255\u3044\u5229\u606f\u304c\u767a\u751f\u3057\u3066\u3057\u307e\u3063\u305f\u308a\u3059\u308b\u3088\u3046\u306a\u3068\u304d\u3069\u3046\u3059\u308c\u3070\u3044\u3044\u3067\u3057\u3087\u3046\u304b\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u305d\u3093\u306a\u3068\u304d\u306f\u3001\u5bb6\u8a08\u306b\u4f59\u88d5\u304c\u3067\u304d\u305f\u30bf\u30a4\u30df\u30f3\u30b0\u3067\u300c\u4e00\u90e8\u7e70\u4e0a\u8fd4\u6e08\u300d\u3092\u3054\u6d3b\u7528\u3044\u305f\u3060\u304f\u3053\u3068\u3067\u3001\u7121\u7406\u306a\u304f\u67d4\u8edf\u306b\u5bfe\u5fdc\u3059\u308b\u3053\u3068\u304c\u53ef\u80fd\u3067\u3059\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u3053\u308c\u304b\u3089\u306e\u5bb6\u3065\u304f\u308a\u306f\u3001\u300c\u4f59\u88d5\u3092\u3082\u3063\u305f\u8cc7\u91d1\u8a08\u753b\u300d\u304c\u4f55\u3088\u308a\u306e\u5bb6\u8a08\u9632\u885b\u7b56\u306b\u306a\u308a\u307e\u3059\u3002 \u307e\u305a\u306f\u3054\u81ea\u8eab\u306e\u72b6\u6cc1\u306b\u5408\u308f\u305b\u3066\u3001\u5c06\u6765\u306e\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\u3092\u3057\u3066\u307f\u308b\u306e\u304c\u304a\u3059\u3059\u3081\u3067\u3059\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u3010\u304a\u8a66\u3057\u3011\u91d1\u5229\u30b7\u30df\u30e5\u30ec\u30fc\u30bf\u3067\u5c06\u6765\u3092\u8a08\u7b97\u3057\u3066\u307f\u307e\u3057\u3087\u3046<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u300c\u3082\u30573\u5e74\u5f8c\u306b\u91d1\u5229\u304c2%\u306b\u306a\u3063\u305f\u3089\uff1f\u300d\u300c\u6bce\u5e740.5%\u305a\u3064\u91d1\u5229\u304c\u4e0a\u304c\u3063\u305f\u3089\uff1f\u300d \u8a00\u8449\u3060\u3051\u3067\u306f\u30a4\u30e1\u30fc\u30b8\u3057\u306b\u304f\u3044\u5c06\u6765\u306e\u8fd4\u6e08\u984d\u306b\u3064\u3044\u3066\u3001\u5b9f\u969b\u306b\u8a08\u7b97\u3067\u304d\u308b\u30b7\u30df\u30e5\u30ec\u30fc\u30bf\u3092\u3054\u7528\u610f\u3057\u307e\u3057\u305f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u3054\u81ea\u8eab\u306e\u501f\u5165\u4e88\u5b9a\u91d1\u984d\u3092\u5165\u529b\u3057\u3066\u3001\u91d1\u5229\u304c\u4e0a\u6607\u3057\u305f\u5834\u5408\u306b\u300c\u3044\u3064\u3001\u3069\u306e\u304f\u3089\u3044\u8fd4\u6e08\u984d\u304c\u4e0a\u304c\u308b\u306e\u304b\u300d\u300c\u672a\u6255\u3044\u5229\u606f\u306f\u767a\u751f\u3059\u308b\u306e\u304b\u300d\u3092\u305c\u3072\u30c1\u30a7\u30c3\u30af\u3057\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u25bc \u4f4f\u5b85\u30ed\u30fc\u30f3\u91d1\u5229\u30b7\u30df\u30e5\u30ec\u30fc\u30bf \u25bc<\/strong><\/p>\n\n\n\n<div id=\"mortgage-sim-wp-wrapper\">\n    <script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\n    \n    <style>\n        \/* =========================================\n           \u30b9\u30b3\u30fc\u30d7\u5316\u3055\u308c\u305fCSS\uff08WP\u30c6\u30fc\u30de\u3068\u306e\u5e72\u6e09\u9632\u6b62\uff09\n        ========================================= *\/\n        #mortgage-sim-wp-wrapper {\n            font-family: 'Helvetica Neue', Arial, 'Hiragino Kaku Gothic ProN', 'Hiragino Sans', Meiryo, sans-serif;\n            color: #333;\n            background-color: #ffffff;\n            line-height: 1.6;\n            box-sizing: border-box;\n            max-width: 1000px;\n            margin: 0 auto;\n            padding: 15px 10px;\n            \/* \u30d9\u30fc\u30b9\u30d5\u30a9\u30f3\u30c8\u309216px\u306b\u62e1\u5927\uff08\u30b9\u30de\u30db\u3067\u306e\u8996\u8a8d\u6027\u5411\u4e0a\uff09 *\/\n            font-size: 16px; \n        }\n        #mortgage-sim-wp-wrapper * {\n            box-sizing: border-box;\n            margin: 0;\n            padding: 0;\n        }\n\n        \/* --- \u30bf\u30a4\u30c8\u30eb\u5468\u308a --- *\/\n        #mortgage-sim-wp-wrapper h2.ms-title {\n            font-size: 1.5rem; \/* 24px *\/\n            font-weight: bold;\n            margin-bottom: 8px;\n            color: #2c3e50;\n            border: none;\n            padding: 0;\n            line-height: 1.3;\n        }\n        #mortgage-sim-wp-wrapper p.ms-desc {\n            font-size: 1rem; \/* 16px *\/\n            color: #666;\n            margin-bottom: 24px;\n        }\n\n        \/* --- \u30ec\u30a4\u30a2\u30a6\u30c8 --- *\/\n        #mortgage-sim-wp-wrapper .ms-layout {\n            display: flex;\n            flex-wrap: wrap;\n            gap: 24px;\n        }\n        #mortgage-sim-wp-wrapper .ms-controls, \n        #mortgage-sim-wp-wrapper .ms-chart-area {\n            \/* flex\u9805\u76ee\u304c\u89aa\u8981\u7d20\u3092\u306f\u307f\u51fa\u3055\u306a\u3044\u3088\u3046\u306b\u3059\u308b\u9b54\u6cd5\u306e\u30b3\u30fc\u30c9 *\/\n            min-width: 0; \n            border-radius: 12px;\n            padding: 20px;\n        }\n        #mortgage-sim-wp-wrapper .ms-controls {\n            flex: 1 1 320px;\n            background: #f8fafc;\n            border: 1px solid #e2e8f0;\n        }\n        #mortgage-sim-wp-wrapper .ms-chart-area {\n            flex: 2 1 450px;\n            background: #ffffff;\n            border: 1px solid #e2e8f0;\n            display: flex;\n            flex-direction: column;\n        }\n\n        \/* --- \u5165\u529b\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u7fa4 --- *\/\n        #mortgage-sim-wp-wrapper .ms-control-group {\n            margin-bottom: 24px;\n        }\n        #mortgage-sim-wp-wrapper .ms-label-row {\n            display: flex;\n            justify-content: space-between;\n            align-items: flex-end;\n            margin-bottom: 12px;\n        }\n        #mortgage-sim-wp-wrapper label {\n            font-size: 1.125rem; \/* 18px\uff1a\u30e9\u30d9\u30eb\u3092\u5927\u304d\u304f *\/\n            font-weight: bold;\n            color: #2d3748;\n            display: block;\n        }\n        #mortgage-sim-wp-wrapper .ms-input-value {\n            display: flex;\n            align-items: baseline;\n            gap: 6px;\n        }\n        \n        \/* \u30d5\u30a9\u30fc\u30e0\u90e8\u54c1\u306e\u5171\u901a\u8a2d\u5b9a\uff08\u30b9\u30de\u30db\u3067\u30bf\u30c3\u30d7\u3057\u3084\u3059\u3044\u3088\u3046\u306b\u5927\u304d\u304f\uff09 *\/\n        #mortgage-sim-wp-wrapper input[type=\"number\"], \n        #mortgage-sim-wp-wrapper select {\n            width: 100%;\n            padding: 10px 12px;\n            border: 1px solid #cbd5e0;\n            border-radius: 6px;\n            font-size: 1rem; \/* 16px *\/\n            background-color: #fff;\n            color: #333;\n        }\n        #mortgage-sim-wp-wrapper select {\n            font-weight: bold;\n            color: #1a202c;\n            cursor: pointer;\n        }\n        #mortgage-sim-wp-wrapper input[type=\"number\"].ms-num-large {\n            width: 140px;\n            text-align: right;\n            font-size: 1.25rem; \/* 20px *\/\n            font-weight: bold;\n        }\n        #mortgage-sim-wp-wrapper input[type=\"number\"].ms-num-small {\n            width: 80px;\n            text-align: right;\n            font-size: 1.25rem; \/* 20px *\/\n            font-weight: bold;\n        }\n        \n        \/* \u30b9\u30e9\u30a4\u30c0\u30fc *\/\n        #mortgage-sim-wp-wrapper input[type=\"range\"] {\n            width: 100%;\n            margin: 12px 0;\n            accent-color: #3182ce;\n            height: 6px;\n        }\n        #mortgage-sim-wp-wrapper .ms-range-labels {\n            display: flex;\n            justify-content: space-between;\n            font-size: 0.85rem;\n            color: #718096;\n            font-weight: bold;\n        }\n\n        #mortgage-sim-wp-wrapper hr.ms-divider {\n            border: none;\n            border-top: 2px dashed #e2e8f0;\n            margin: 24px 0;\n        }\n\n        \/* --- \u5e74\u5225\u91d1\u5229\u30b0\u30ea\u30c3\u30c9 --- *\/\n        #mortgage-sim-wp-wrapper .ms-grid-3 {\n            display: grid;\n            grid-template-columns: repeat(3, 1fr);\n            gap: 12px;\n            margin-top: 12px;\n        }\n        #mortgage-sim-wp-wrapper .ms-rate-box {\n            background: #fff;\n            border: 1px solid #cbd5e0;\n            border-radius: 6px;\n            padding: 8px;\n            text-align: center;\n            box-shadow: 0 1px 2px rgba(0,0,0,0.05);\n        }\n        #mortgage-sim-wp-wrapper .ms-rate-box span {\n            display: block;\n            font-size: 0.85rem;\n            font-weight: bold;\n            color: #4a5568;\n            margin-bottom: 4px;\n        }\n        #mortgage-sim-wp-wrapper .ms-rate-box input {\n            width: 100%;\n            text-align: center;\n            border: none;\n            border-bottom: 2px solid #e2e8f0;\n            font-weight: bold;\n            font-size: 1.1rem; \/* 17.6px *\/\n            border-radius: 0;\n            padding: 4px;\n            background: transparent;\n            color: #2b6cb0; \/* \u9752\u8272\u3067\u76ee\u7acb\u305f\u305b\u308b *\/\n        }\n        #mortgage-sim-wp-wrapper .ms-rate-box input:focus {\n            outline: none;\n            border-bottom-color: #3182ce;\n        }\n\n        \/* --- \u30b0\u30e9\u30d5\u30a8\u30ea\u30a2 --- *\/\n        \/* \u30b9\u30de\u30db\u3067\u306e\u6a2a\u306f\u307f\u51fa\u3057\u3092\u9632\u3050\u6700\u91cd\u8981\u30b3\u30f3\u30c6\u30ca *\/\n        #mortgage-sim-wp-wrapper .ms-chart-wrapper {\n            position: relative;\n            width: 100%;\n            height: 400px;\n            overflow: hidden; \/* \u306f\u307f\u51fa\u3057\u3092\u30ab\u30c3\u30c8 *\/\n            flex-grow: 1;\n        }\n        #mortgage-sim-wp-wrapper .ms-notes {\n            margin-top: 20px;\n            font-size: 0.9rem;\n            color: #4a5568;\n            list-style: none;\n            background: #edf2f7;\n            padding: 12px 15px;\n            border-radius: 6px;\n        }\n        #mortgage-sim-wp-wrapper .ms-notes li {\n            margin-bottom: 6px;\n            position: relative;\n            padding-left: 1.2em;\n            line-height: 1.5;\n        }\n        #mortgage-sim-wp-wrapper .ms-notes li:last-child {\n            margin-bottom: 0;\n        }\n        #mortgage-sim-wp-wrapper .ms-notes li::before {\n            content: \"\u203b\";\n            position: absolute;\n            left: 0;\n            color: #718096;\n        }\n\n        \/* =========================================\n           \u30ec\u30b9\u30dd\u30f3\u30b7\u30d6\u5bfe\u5fdc\uff08\u30b9\u30de\u30db\u753b\u9762\uff09\n        ========================================= *\/\n        @media (max-width: 600px) {\n            #mortgage-sim-wp-wrapper {\n                padding: 10px 0; \/* \u753b\u9762\u7aef\u30ae\u30ea\u30ae\u30ea\u307e\u3067\u4f7f\u3046 *\/\n            }\n            #mortgage-sim-wp-wrapper .ms-layout {\n                flex-direction: column; \/* \u7e26\u7a4d\u307f\u306b\u5909\u66f4 *\/\n                gap: 16px;\n            }\n            #mortgage-sim-wp-wrapper .ms-controls, \n            #mortgage-sim-wp-wrapper .ms-chart-area {\n                width: 100%;\n                border-radius: 0;\n                border-left: none;\n                border-right: none;\n                padding: 15px;\n            }\n            #mortgage-sim-wp-wrapper h2.ms-title,\n            #mortgage-sim-wp-wrapper p.ms-desc {\n                padding: 0 15px;\n            }\n        }\n    <\/style>\n\n  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id=\"ms-loan-amount-slider\" min=\"20000000\" max=\"80000000\" step=\"1000000\" value=\"35000000\">\n                <div class=\"ms-range-labels\">\n                    <span>2,000\u4e07<\/span>\n                    <span>8,000\u4e07<\/span>\n                <\/div>\n            <\/div>\n\n            <!-- \u8fd4\u6e08\u671f\u9593 -->\n            <div class=\"ms-control-group\">\n                <div class=\"ms-label-row\">\n                    <label>\u8fd4\u6e08\u671f\u9593<\/label>\n                    <div class=\"ms-input-value\">\n                        <input type=\"number\" id=\"ms-loan-term-input\" class=\"ms-num-small\" value=\"35\" step=\"1\" min=\"20\" max=\"35\">\n                        <span style=\"font-size:1rem; color:#4a5568; font-weight:bold;\">\u5e74<\/span>\n                    <\/div>\n                <\/div>\n                <input type=\"range\" id=\"ms-loan-term-slider\" min=\"20\" max=\"35\" step=\"1\" value=\"35\">\n                <div class=\"ms-range-labels\">\n                    <span>20\u5e74<\/span>\n                    <span>35\u5e74<\/span>\n                <\/div>\n            <\/div>\n\n            <hr class=\"ms-divider\">\n\n            <!-- \u30b7\u30ca\u30ea\u30aa\u9078\u629e -->\n            <div class=\"ms-control-group\">\n                <label style=\"margin-bottom:10px;\">\u91d1\u5229\u5909\u52d5\u30b7\u30ca\u30ea\u30aa<\/label>\n                <select id=\"ms-scenario-select\">\n                    <option value=\"1\">\u305a\u3063\u30681.25%\u306e\u307e\u307e<\/option>\n                    <option value=\"2\" selected>\u65e9\u671f2.5%\u5230\u9054\uff082\u5e74\u76ee2.0%\u2192\u4ee5\u964d2.5%\uff09<\/option>\n                    <option value=\"3\">\u6bce\u5e740.5%\u00d75\u5e74\u4e0a\u6607\uff086\u5e74\u76ee3.75%\uff09<\/option>\n                    <option value=\"4\">\u6bce\u5e740.25%\u6301\u7d9a\u4e0a\u6607\uff089\u5e74\u76ee3.25%\uff09<\/option>\n                    <option value=\"5\">\u6bce\u5e740.5%\u6301\u7d9a\u4e0a\u6607\uff089\u5e74\u76ee5.25%\uff09<\/option>\n                    <option value=\"custom\">\u30ab\u30b9\u30bf\u30e0\uff08\u4e0b\u306e\u6570\u5024\u3092\u500b\u5225\u8abf\u6574\uff09<\/option>\n                <\/select>\n            <\/div>\n\n            <!-- \u5e74\u5225\u9069\u7528\u91d1\u5229\uff08\u500b\u5225\u8abf\u6574\uff09 -->\n            <div class=\"ms-control-group\">\n                <label>\u5e74\u5225\u9069\u7528\u91d1\u5229 (%)<\/label>\n                <div class=\"ms-grid-3\" id=\"ms-yearly-rates\">\n                    <!-- JS\u3067\u52d5\u7684\u306b9\u500b\u306e\u5165\u529b\u67a0\u3092\u751f\u6210 -->\n                <\/div>\n            <\/div>\n        <\/div>\n\n        <!-- \u30b0\u30e9\u30d5\u30a8\u30ea\u30a2 -->\n        <div class=\"ms-chart-area\">\n            <h3 style=\"font-size:1.25rem; color:#2d3748; margin-bottom:15px; font-weight:bold;\">\u5f53\u521d9\u5e74\u9593\u306e\u5e74\u9593\u8fd4\u6e08\u984d \u5185\u8a33\u63a8\u79fb<\/h3>\n            \n            <!-- \u30b0\u30e9\u30d5\u306f\u307f\u51fa\u3057\u9632\u6b62\u30e9\u30c3\u30d1\u30fc -->\n            <div class=\"ms-chart-wrapper\">\n                <canvas id=\"ms-mortgage-chart\"><\/canvas>\n            <\/div>\n            \n            <ul class=\"ms-notes\">\n                <li>1\u301c5\u5e74\u76ee\u306f\u300c5\u5e74\u30eb\u30fc\u30eb\u300d\u306b\u3088\u308a\u6bce\u6708\u306e\u8fd4\u6e08\u984d\u306f\u4e00\u5b9a\u3067\u3059\u3002<\/li>\n                <li>6\u5e74\u76ee\u306b\u300c125%\u30eb\u30fc\u30eb\u300d\u304c\u9069\u7528\u3055\u308c\u3001\u8fd4\u6e08\u984d\u304c\u6700\u59271.25\u500d\u306b\u5f15\u304d\u4e0a\u3052\u3089\u308c\u307e\u3059\u3002<\/li>\n                <li><strong style=\"color:#e53e3e;\">\u8d64\u8272\u306e\u300c\u672a\u6255\u3044\u5229\u606f\u300d<\/strong>\u304c\u767a\u751f\u3057\u3066\u3044\u308b\u5834\u5408\u3001\u6bce\u6708\u306e\u652f\u6255\u3044\u304c\u5229\u606f\u5206\u306b\u8ffd\u3044\u3064\u304b\u305a\u3001\u501f\u91d1\u304c\u81a8\u3089\u3093\u3067\u3044\u308b\u72b6\u614b\u3092\u793a\u3057\u307e\u3059\u3002<\/li>\n            <\/ul>\n        <\/div>\n    <\/div>\n\n    <script>\n        \/\/ IIFE (\u5373\u6642\u5b9f\u884c\u95a2\u6570)\n        (function() {\n            let chartInstance = null;\n\n            const scenarios = {\n                \"1\": [1.25, 1.25, 1.25, 1.25, 1.25, 1.25, 1.25, 1.25, 1.25],\n                \"2\": [1.25, 2.00, 2.50, 2.50, 2.50, 2.50, 2.50, 2.50, 2.50],\n                \"3\": [1.25, 1.75, 2.25, 2.75, 3.25, 3.75, 3.75, 3.75, 3.75],\n                \"4\": [1.25, 1.50, 1.75, 2.00, 2.25, 2.50, 2.75, 3.00, 3.25],\n                \"5\": [1.25, 1.75, 2.25, 2.75, 3.25, 3.75, 4.25, 4.75, 5.25]\n            };\n\n            const els = {\n                amtInput: document.getElementById('ms-loan-amount-input'),\n                amtSlider: document.getElementById('ms-loan-amount-slider'),\n                termInput: document.getElementById('ms-loan-term-input'),\n                termSlider: document.getElementById('ms-loan-term-slider'),\n                scenario: document.getElementById('ms-scenario-select'),\n                ratesContainer: document.getElementById('ms-yearly-rates'),\n                canvas: document.getElementById('ms-mortgage-chart')\n            };\n\n            function init() {\n                \/\/ 9\u5e74\u5206\u306e\u5165\u529b\u30d5\u30a3\u30fc\u30eb\u30c9\u751f\u6210\n                let ratesHtml = '';\n                for (let i = 1; i <= 9; i++) {\n                    ratesHtml += `\n                        <div class=\"ms-rate-box\">\n                            <span>${i}\u5e74\u76ee<\/span>\n                            <input type=\"number\" id=\"ms-rate-${i}\" min=\"0\" max=\"15\" step=\"0.01\" class=\"ms-rate-input\">\n                        <\/div>\n                    `;\n                }\n                els.ratesContainer.innerHTML = ratesHtml;\n\n                \/\/ \u30a4\u30d9\u30f3\u30c8\u30ea\u30b9\u30ca\u30fc\n                const sync = (src, tgt) => { tgt.value = src.value; render(); };\n                els.amtInput.addEventListener('input', function() { sync(this, els.amtSlider); });\n                els.amtSlider.addEventListener('input', function() { sync(this, els.amtInput); });\n                els.termInput.addEventListener('input', function() { sync(this, els.termSlider); });\n                els.termSlider.addEventListener('input', function() { sync(this, els.termInput); });\n\n                els.scenario.addEventListener('change', function() {\n                    applyScenario();\n                    render();\n                });\n\n                document.querySelectorAll('.ms-rate-input').forEach(input => {\n                    input.addEventListener('input', function() {\n                        els.scenario.value = \"custom\";\n                        render();\n                    });\n                });\n\n                applyScenario();\n                render();\n            }\n\n            function applyScenario() {\n                const val = els.scenario.value;\n                if (val !== \"custom\" && scenarios[val]) {\n                    const rates = scenarios[val];\n                    rates.forEach((r, idx) => {\n                        document.getElementById(`ms-rate-${idx + 1}`).value = r;\n                    });\n                }\n            }\n\n            function getRates() {\n                let rates = [];\n                for (let i = 1; i <= 9; i++) {\n                    rates.push(parseFloat(document.getElementById(`ms-rate-${i}`).value) || 0);\n                }\n                return rates;\n            }\n\n            function calcPMT(principal, ratePct, months) {\n                const r = (ratePct \/ 100) \/ 12;\n                if (r === 0) return principal \/ months;\n                return principal * r \/ (1 - Math.pow(1 + r, -months));\n            }\n\n            function simulate() {\n                const initPrincipal = parseFloat(els.amtInput.value);\n                const totalMonths = parseInt(els.termInput.value) * 12;\n                const rates = getRates();\n\n                let balance = initPrincipal;\n                let unpaidIntAccum = 0;\n                \n                \/\/ 1\u301c5\u5e74\u76ee\u306e\u8fd4\u6e08\u984d\n                const initPMT = calcPMT(balance, rates[0], totalMonths);\n                let currentPMT = initPMT;\n\n                let results = [];\n\n                for (let year = 1; year <= 9; year++) {\n                    const rate = rates[year - 1];\n                    let yPrincipal = 0, yInterest = 0, yNewUnpaid = 0;\n\n                    \/\/ 6\u5e74\u76ee\u3067\u518d\u8a08\u7b97\n                    if (year === 6) {\n                        const remainMonths = totalMonths - 60;\n                        let newPMT = calcPMT(balance, rate, remainMonths);\n                        const limitPMT = initPMT * 1.25;\n                        currentPMT = (newPMT > limitPMT) ? limitPMT : newPMT;\n                    }\n\n                    for (let m = 1; m <= 12; m++) {\n                        if (balance <= 0) break;\n                        const mInterest = balance * ((rate \/ 100) \/ 12);\n                        \n                        let pToPrin = 0, pToIn = 0, newUnpaid = 0;\n\n                        if (mInterest >= currentPMT) {\n                            pToIn = currentPMT;\n                            newUnpaid = mInterest - currentPMT;\n                            unpaidIntAccum += newUnpaid;\n                        } else {\n                            let available = currentPMT - mInterest;\n                            pToIn = mInterest;\n                            \n                            if (unpaidIntAccum > 0) {\n                                if (available >= unpaidIntAccum) {\n                                    available -= unpaidIntAccum;\n                                    unpaidIntAccum = 0;\n                                    pToPrin = available;\n                                } else {\n                                    unpaidIntAccum -= available;\n                                }\n                            } else {\n                                pToPrin = available;\n                            }\n                        }\n\n                        balance -= pToPrin;\n                        yPrincipal += pToPrin;\n                        yInterest += pToIn;\n                        yNewUnpaid += newUnpaid;\n                    }\n\n                    results.push({\n                        year,\n                        prinPaid: Math.max(0, yPrincipal),\n                        intPaid: yInterest,\n                        newUnpaid: yNewUnpaid,\n                        balance: balance,\n                        accumUnpaid: unpaidIntAccum\n                    });\n                }\n                return results;\n            }\n\n            function render() {\n                const data = simulate();\n                const labels = data.map(d => `${d.year}\u5e74\u76ee`);\n                \n                if (chartInstance) chartInstance.destroy();\n\n                const ctx = els.canvas.getContext('2d');\n                \n                \/\/ Chart.js\u306e\u63cf\u753b\u8a2d\u5b9a\n                chartInstance = new Chart(ctx, {\n                    type: 'bar',\n                    data: {\n                        labels: labels,\n                        datasets: [\n                            {\n                                label: '\u5143\u672c\u8fd4\u6e08',\n          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class=\"wp-block-paragraph\">\u672c\u30b3\u30e9\u30e0\u306b\u8a2d\u7f6e\u3057\u3066\u3044\u308b\u300c\u91d1\u5229\u30b7\u30df\u30e5\u30ec\u30fc\u30bf\u300d\u306e\u8a08\u7b97\u30d7\u30ed\u30b0\u30e9\u30e0\u306f\u3001AI\u3067\u4f5c\u6210\u3057\u305f\u4e0a\u8a18\u30eb\u30fc\u30eb\u306e\u30a4\u30e1\u30fc\u30b8\u3092\u53ef\u8996\u5316\u3059\u308b\u305f\u3081\u306e\u3082\u306e\u3067\u652f\u6255\u3044\u91d1\u984d\u7b49\u306b\u306f\u8aa4\u5dee\u304c\u3042\u308a\u307e\u3059\u3002\u6b63\u78ba\u306a\u8cc7\u91d1\u8a08\u753b\u306b\u3064\u3044\u3066\u306f\u4f4f\u5b85\u30ed\u30fc\u30f3\u501f\u5165\u3092\u884c\u3046\u5404\u91d1\u878d\u6a5f\u95a2\u7b49\u306b\u304a\u554f\u5408\u305b\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u770c\u6c11\u5171\u6e08\u4f4f\u5b85\u3067\u306f\u3001\u9ad8\u54c1\u8cea\u306a\u4f4f\u307e\u3044\u3092\u300c\u9069\u6b63\u4fa1\u683c\uff08\u30ed\u30fc\u30b3\u30b9\u30c8\uff09\u300d\u3067\u3054\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002 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