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class="relative flex w-[-webkit-fill-available]"><div class="h-[22px] self-center border-l border-solid border-[#D4D4D4]"></div><a href="https://sasp.mapion.co.jp/b/chibabank/" class="h-[54px] w-[-webkit-fill-available] items-center justify-center focus-ring-offset-0 hover:text-primary md:flex border-l">店舗・ATM</a></li><li class="relative flex w-[-webkit-fill-available]"><div class="h-[22px] self-center border-l border-solid border-[#D4D4D4]"></div><a href="/faq" class="h-[54px] w-[-webkit-fill-available] items-center justify-center focus-ring-offset-0 hover:text-primary md:flex border-x">よくあるご質問</a></li><div class="h-[22px] self-center border-l border-solid border-[#D4D4D4]"></div></ul></nav></div></div></div><div class="hidden lg:block"><nav class="border-b border-solid border-borderGray py-4 text-sm lg:border-none lg:px-14 lg:pb-8" aria-label="＜住宅ローン＞金利選択型の変動金利を選択した場合について教えてください。"><ol><li aria-current="false" class="inline"><a class="hover:text-primary" href="/">ホーム</a></li><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 16" width="1em" height="1em" class="mb-1 mr-1 inline size-4 self-center"><path stroke="#282C2E" stroke-linecap="round" stroke-linejoin="round" stroke-opacity="0.66" stroke-width="1.5" d="M6.667 11.333 10 8 6.667 4.667"></path></svg><li aria-current="false" class="inline"><a class="hover:text-primary" href="/faq">よくあるご質問トップ</a></li><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 16" width="1em" height="1em" class="mb-1 mr-1 inline size-4 self-center"><path stroke="#282C2E" stroke-linecap="round" stroke-linejoin="round" stroke-opacity="0.66" stroke-width="1.5" d="M6.667 11.333 10 8 6.667 4.667"></path></svg><li aria-current="page" class="inline">＜住宅ローン＞金利選択型の変動金利を選択した場合について教えてください。</li></ol></nav></div><main><div class="flex justify-center px-4 bg-white"><div class="w-full max-w-[672px] mb-12 mt-8 md:mb-14 lg:mt-0"><h1 class="text-26px font-bold text-primary">Q</h1><p class="mt-4">ちばぎんアプリ / 住宅ローン</p><h1 class="mt-2 text-4xl font-bold tracking-[0.02em]">＜住宅ローン＞金利選択型の変動金利を選択した場合について教えてください。</h1><h1 class="mt-12 text-26px font-bold text-primary md:mt-14">A</h1><div class="my-6"><p class="whitespace-pre-line break-words text-base text-active">変動金利をご選択いただいた場合は次のようになります。 1.金利の見直し ・お借入期間中の適用利率の見直しは年2回行います。 ・毎年4月1日、10月1日の当行所定のローン基準金利に基づいて適用利率を見直し、6月、12月の約定返済日の翌日（ボーナス時の増額返済を併用される場合は、ボーナス時増額返済日の翌日）から適用します。 なお、毎月の約定返済日にいつでも、変動金利から固定金利（適用期間2年、3年、5年、7年）に変更することができますが、条件変更手数料33,000円（消費税込）が別途必要となります。 2.ご返済額の見直し ・年2回、適用利率が変更されても、毎年10月1日を基準日とするご融資利率の5回目の見直しを行うまで（約5年間）は、ご返済額の変更は行いません。（ご返済額を一定に保つことは、ご返済額の内訳である元金と利息の割合を調整することによって行います。） ・毎年10月1日を基準日とするご融資利率の5回目の見直し後の新返済額は、従前の返済額の1.25倍を限度とします。ただし、固定金利に切り替える場合には、この制限はありません。</p></div><div class="my-6"><span class="group leading-[24.4px] w-fit text-sm"><a href="https://www.chibabank.co.jp/faq/1489" class="flex underline underline-offset-2 hover:no-underline group-hover:border-b-0 group-hover:opacity-70 text-primary">変動金利</a></span></div><div class="my-6"><span class="group leading-[24.4px] w-fit text-sm"><a href="https://www.chibabank.co.jp/faq/1495" class="flex underline underline-offset-2 hover:no-underline group-hover:border-b-0 group-hover:opacity-70 text-primary">固定金利</a></span></div><div class="my-6"><span class="group leading-[24.4px] w-fit text-sm"><a href="https://www.chibabank.co.jp/faq/1514" class="flex underline underline-offset-2 hover:no-underline group-hover:border-b-0 group-hover:opacity-70 text-primary">元金</a></span></div><div class="grid gap-y-6"><h2 class="mt-6 text-22px font-bold tracking-[0.02em] md:mt-8 md:text-28px">この記事をシェア</h2><div class="flex gap-x-4"><a href="https://social-plugins.line.me/lineit/share?url=https://www.chibabank.co.jp/faq/602" target="_blank" rel="noopener noreferrer"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 25" class="size-6"><path fill="#04C755" fill-rule="evenodd" d="M11.975 11.229c-.047.521 0 1.233 0 1.773 0 .284.048.597-.095.806a.48.48 0 0 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