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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="/kojin/services/loan/other_loan">その他のローン</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">金利選択型セカンドハウスローン</li></ol></nav></div><main><div class="flex justify-center px-4 bg-white"><div class="w-full max-w-[960px]"><div class="flex items-center gap-x-4 pb-8 pt-14"><div><h1 class="text-64px font-bold tracking-[1.28px]">金利選択型セカンドハウスローン</h1></div></div></div></div><div class="flex justify-center px-4 bg-white"><div class="w-full max-w-[960px]"><div class="my-6"><p class="whitespace-pre-line break-words text-base text-active">別荘などのセカンドハウスの購入にご利用いただけます。</p></div><div class="my-6"><div class="pt-6 md:pt-8"><div class="flex"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 24" class="mr-1 mt-[3.5px] size-6 shrink-0 md:mt-[7.5px]"><path fill="#D53F50" d="M10.635 4H19.6v6.704c0 .878-.171 1.748-.504 2.56a6.7 6.7 0 0 1-1.437 2.168 6.6 6.6 0 0 1-2.15 1.447 6.6 6.6 0 0 1-2.534.505h-2.812c-3.041-.011-5.272 1.693-5.272 5.35V24H4V10.7a6.74 6.74 0 0 1 1.945-4.737A6.6 6.6 0 0 1 10.635 4"></path></svg><h2 class="text-22px font-bold md:text-28px" id="特徴" style="scroll-margin-top:0px">特徴</h2></div></div></div><div class="my-6"><div class="pt-6 md:pt-8"><h2 class="text-22px font-bold md:text-28px" id="POINT 1" style="scroll-margin-top:0px">POINT 1</h2><p class="mt-4 whitespace-pre-line">別荘などのセカンドハウスのご購入資金や諸費用に最高1億円、最長35年までご利用いただけます。「固定金利」「変動金利」をご自由にご選択できます。固定金利の期間は、3年・5年・7年・10年のいずれかとなります。</p></div></div><div class="my-6"><div class="pt-6 md:pt-8"><h2 class="text-22px font-bold md:text-28px" id="POINT 2" style="scroll-margin-top:0px">POINT 2</h2><p class="mt-4 whitespace-pre-line">お借入期間中、お客さまのご要望に応じて、変動金利、固定金利2つのタイプをご自由にご変更できます（固定金利ご利用中は適用期間満了後となります）。</p></div></div><div class="my-6"><div class="pt-6 md:pt-8"><h2 class="text-22px font-bold md:text-28px" id="POINT 3" style="scroll-margin-top:0px">POINT 3</h2><p class="mt-4 whitespace-pre-line">団体信用生命保険にご加入になれ、万が一のときも安心です（保険料は当行が負担します）。</p></div></div><div class="my-6"><div class="pt-6 md:pt-8"><div class="flex"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 24" class="mr-1 mt-[3.5px] size-6 shrink-0 md:mt-[7.5px]"><path fill="#D53F50" d="M10.635 4H19.6v6.704c0 .878-.171 1.748-.504 2.56a6.7 6.7 0 0 1-1.437 2.168 6.6 6.6 0 0 1-2.15 1.447 6.6 6.6 0 0 1-2.534.505h-2.812c-3.041-.011-5.272 1.693-5.272 5.35V24H4V10.7a6.74 6.74 0 0 1 1.945-4.737A6.6 6.6 0 0 1 10.635 4"></path></svg><h2 class="text-22px font-bold md:text-28px" id="ご利用いただける方" style="scroll-margin-top:0px">ご利用いただける方</h2></div><p class="mt-4 whitespace-pre-line">次の条件をすべて満たす個人のお客さま</p></div></div><div class="my-6"><div class="break-all text-base text-active"><ul><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">お借入時の年齢が満18歳以上満70歳未満の方</span></li><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">原則として安定した収入がある方</span></li><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">ちばぎん保証株式会社の保証を受けられる方</span></li><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">当行所定の団体信用生命保険に加入できる方</span></li></ul></div></div><div class="my-6"><div class="pt-6 md:pt-8"><div class="flex"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 24" class="mr-1 mt-[3.5px] size-6 shrink-0 md:mt-[7.5px]"><path fill="#D53F50" d="M10.635 4H19.6v6.704c0 .878-.171 1.748-.504 2.56a6.7 6.7 0 0 1-1.437 2.168 6.6 6.6 0 0 1-2.15 1.447 6.6 6.6 0 0 1-2.534.505h-2.812c-3.041-.011-5.272 1.693-5.272 5.35V24H4V10.7a6.74 6.74 0 0 1 1.945-4.737A6.6 6.6 0 0 1 10.635 4"></path></svg><h2 class="text-22px font-bold md:text-28px" id="資金使途" style="scroll-margin-top:0px">資金使途</h2></div><p class="mt-4 whitespace-pre-line">本人が常住しない不動産に関する次の資金にご利用いただけます。</p></div></div><div class="my-6"><div class="break-all text-base text-active"><ul><li class="mb-1 grid list-none" style="grid-template-columns:minmax(2ch, auto) 1fr"><span class="justify-self-end">1.</span><span class="whitespace-pre-line">別荘等セカンドハウスの新築、購入（中古物件を含む）資金</span></li><li class="mb-1 grid list-none" style="grid-template-columns:minmax(2ch, auto) 1fr"><span class="justify-self-end">2.</span><span class="whitespace-pre-line">セカンドハウス用の土地購入資金</span></li><li class="mb-1 grid list-none" style="grid-template-columns:minmax(2ch, auto) 1fr"><span class="justify-self-end">3.</span><span class="whitespace-pre-line">上記の物件取得に伴う付帯設備工事、火災保険料、保証料などの諸費用</span></li></ul></div></div><div class="my-6"><div class="pt-6 md:pt-8"><div class="flex"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 24" class="mr-1 mt-[3.5px] size-6 shrink-0 md:mt-[7.5px]"><path fill="#D53F50" d="M10.635 4H19.6v6.704c0 .878-.171 1.748-.504 2.56a6.7 6.7 0 0 1-1.437 2.168 6.6 6.6 0 0 1-2.15 1.447 6.6 6.6 0 0 1-2.534.505h-2.812c-3.041-.011-5.272 1.693-5.272 5.35V24H4V10.7a6.74 6.74 0 0 1 1.945-4.737A6.6 6.6 0 0 1 10.635 4"></path></svg><h2 class="text-22px font-bold md:text-28px" id="お借金額・お借入期間・お借入単位" style="scroll-margin-top:0px">お借金額・お借入期間・お借入単位</h2></div><p class="mt-4 whitespace-pre-line">次のとおりです。</p></div></div><div class="my-6"><div><h4 class="font-bold"></h4><div class="mt-4 max-w-[calc(100vw-32px)] overflow-x-scroll md:hidden-scrollbar"><table class="w-full min-w-full max-w-fit table-fixed md:max-w-full"><tbody><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">お借入期間</th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">1年以上、35年以内（1年単位）（※）</td></tr><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">お借入金額</th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">1億円以内</td></tr><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">お借入単位</th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">10万円単位</td></tr></tbody></table></div></div></div><div class="my-6"><p class="text-xs text-inactive line-clamp-3 block whitespace-pre-line break-words">※最終返済時の年齢は満80歳未満とします。</p></div><div class="my-6"><div class="pt-6 md:pt-8"><div class="flex"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 24" class="mr-1 mt-[3.5px] size-6 shrink-0 md:mt-[7.5px]"><path fill="#D53F50" d="M10.635 4H19.6v6.704c0 .878-.171 1.748-.504 2.56a6.7 6.7 0 0 1-1.437 2.168 6.6 6.6 0 0 1-2.15 1.447 6.6 6.6 0 0 1-2.534.505h-2.812c-3.041-.011-5.272 1.693-5.272 5.35V24H4V10.7a6.74 6.74 0 0 1 1.945-4.737A6.6 6.6 0 0 1 10.635 4"></path></svg><h2 class="text-22px font-bold md:text-28px" id="お借入方法" style="scroll-margin-top:0px">お借入方法</h2></div><p class="mt-4 whitespace-pre-line">お借入金はご指定の預金口座へのご入金により交付いたします。</p></div></div><div class="my-6"><div class="pt-6 md:pt-8"><div class="flex"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 24" class="mr-1 mt-[3.5px] size-6 shrink-0 md:mt-[7.5px]"><path fill="#D53F50" d="M10.635 4H19.6v6.704c0 .878-.171 1.748-.504 2.56a6.7 6.7 0 0 1-1.437 2.168 6.6 6.6 0 0 1-2.15 1.447 6.6 6.6 0 0 1-2.534.505h-2.812c-3.041-.011-5.272 1.693-5.272 5.35V24H4V10.7a6.74 6.74 0 0 1 1.945-4.737A6.6 6.6 0 0 1 10.635 4"></path></svg><h2 class="text-22px font-bold md:text-28px" id="ご返済方法" style="scroll-margin-top:0px">ご返済方法</h2></div><p class="mt-4 whitespace-pre-line">お借入期間に応じてお借入金額を次の方法で分割し、第1回返済日以後1カ月毎の応当日（約定返済日）に、ご指定の預金口座から自動振替により、利息とともにご返済いただきます。</p></div></div><div class="my-6"><div class="break-all text-base text-active"><ul><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">元利均等毎月返済</span></li><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">ボーナス時増額返済併用（年2回、1月と7月、2月と8月、6月と12月のいずれかに増額返済）ただし、ボーナス時増額返済による返済元金総額は、お借入金額の50％以内（10万円単位）とします。</span></li></ul></div></div><div class="my-6"><div class="pt-6 md:pt-8"><div class="flex"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 24" class="mr-1 mt-[3.5px] size-6 shrink-0 md:mt-[7.5px]"><path fill="#D53F50" d="M10.635 4H19.6v6.704c0 .878-.171 1.748-.504 2.56a6.7 6.7 0 0 1-1.437 2.168 6.6 6.6 0 0 1-2.15 1.447 6.6 6.6 0 0 1-2.534.505h-2.812c-3.041-.011-5.272 1.693-5.272 5.35V24H4V10.7a6.74 6.74 0 0 1 1.945-4.737A6.6 6.6 0 0 1 10.635 4"></path></svg><h2 class="text-22px font-bold md:text-28px" id="ご返済額" style="scroll-margin-top:0px">ご返済額</h2></div></div></div><div class="my-6"><div class=""><h4 class="font-bold" style="scroll-margin-top:undefinedpx">変動金利をご選択の場合</h4><p class="mt-2 whitespace-pre-line">ご選択時の適用利率により計算したご返済額を5年間は変更しません（当該期間中に適用利率が変動した場合は、返済額の中で返済元金と利息を調整します）。以後5年毎に新利率によりご返済額を再計算のうえ変更します（従前の返済額の1.25倍を上限とします）。ただし、ボーナス時増額返済を併用の場合は、増額返済月の翌月から変更します。</p></div></div><div class="my-6"><div class=""><h4 class="font-bold" style="scroll-margin-top:undefinedpx">固定金利をご選択の場合</h4><p class="mt-2 whitespace-pre-line">ご選択時の適用利率により計算したご返済額を固定金利期間中は変更しません。 当該期間の終了時に新利率（変動金利、固定金利のいずれかをご選択ください）によりご返済額を再計算のうえ変更します。</p></div></div><div class="my-6"><p class="text-xs text-inactive line-clamp-3 block whitespace-pre-line break-words">※変動金利、固定金利ともに最終返済日に未払利息がある場合は、残存元金とともに一括してご返済いただきます。</p></div><div class="my-6"><div class="pt-6 md:pt-8"><div class="flex"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 24" class="mr-1 mt-[3.5px] size-6 shrink-0 md:mt-[7.5px]"><path fill="#D53F50" d="M10.635 4H19.6v6.704c0 .878-.171 1.748-.504 2.56a6.7 6.7 0 0 1-1.437 2.168 6.6 6.6 0 0 1-2.15 1.447 6.6 6.6 0 0 1-2.534.505h-2.812c-3.041-.011-5.272 1.693-5.272 5.35V24H4V10.7a6.74 6.74 0 0 1 1.945-4.737A6.6 6.6 0 0 1 10.635 4"></path></svg><h2 class="text-22px font-bold md:text-28px" id="利息" style="scroll-margin-top:0px">利息</h2></div><p class="mt-4 whitespace-pre-line">以下のとおりです。</p></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="適用利率" style="scroll-margin-top:0px">適用利率</h3><p class="mt-2 whitespace-pre-line">お借入時の当行所定の利率を所定の期間について適用いたします。 金利区分は、変動金利または固定金利（適用期間3年、5年、7年、10年）よりご選択いただけます。 ただし、適用期間10年の固定金利はお借入当初に限りご選択いただけます。</p></div></div><div class="my-6"><div class=""><h4 class="font-bold" style="scroll-margin-top:undefinedpx">変動金利をご選択の場合</h4><p class="mt-2 whitespace-pre-line">毎年4月1日、10月1日のローン基準金利を指標とする利率変更方法により、年2回、6月、12月の約定返済日の翌日から適用利率が変動します。ただし、ボーナス時増額返済を併用の場合は、増額返済日の翌日から変動します。 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（3年、5年、7年）に変更することができます（条件変更手数料が別途必要となります）。</p></div></div><div class="my-6"><div class=""><h4 class="font-bold" style="scroll-margin-top:undefinedpx">固定金利をご選択の場合</h4><p class="mt-2 whitespace-pre-line">ご選択時の適用利率を固定金利期間終了時まで適用いたします。 なお、当該期間の終了時には、変動金利または固定金利（3年、5年、7年）をご選択いただけます。3営業日前までに銀行にお申し出ください。</p></div></div><div class="my-6"><div class=""><h4 class="font-bold" style="scroll-margin-top:undefinedpx">固定金利を再度ご選択の場合</h4></div></div><div class="my-6"><div class="break-all text-base text-active"><ul><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">従前の固定金利期間終了日の当行所定の利率を翌日から適用いたします。</span></li><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">固定金利を再度ご選択する旨のお申し出がない場合は、変動金利をご選択したものとして、固定金利期間終了日直前の4月1日または10月1日のローン基準金利を指標とする利率を翌日から適用いたします（以後のお取り扱いは、変動金利をご選択の場合に準じます）。</span></li></ul></div></div><div class="my-6"><span class="group leading-[24.4px] w-fit text-sm"><a href="https://www.chibabank.co.jp/kinri/kinri.html" class="flex underline underline-offset-2 hover:no-underline group-hover:border-b-0 group-hover:opacity-70 text-primary">金利一覧はこちら</a></span></div><div class="my-6"><span class="group leading-[24.4px] w-fit text-sm"><a href="https://www.chibabank.co.jp/kojin/loan/housing/first/choice/kinri.html" class="flex underline underline-offset-2 hover:no-underline group-hover:border-b-0 group-hover:opacity-70 text-primary">金利選択型の仕組みについてはこちら</a></span></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="受入方法" style="scroll-margin-top:0px">受入方法</h3><p class="mt-2 whitespace-pre-line">約定返済日に指定預金口座から自動振替により、返済元金とともに受け入れます。 金利選択のお申し出により適用利率を変更する場合は､ボーナス時増額返済の未払利息は分かち計算により、次回増額返済まで繰延べます。ただし、変動金利から固定金利へ変更する場合は、変更時に未払利息を一括して精算させていただきます。</p></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="計算方法" style="scroll-margin-top:0px">計算方法</h3><p class="mt-2 whitespace-pre-line">付利単位を1円、1年を12カ月とした月割により計算します。 ただし、次の場合は1年を365日とした日割により計算します。</p></div></div><div class="my-6"><div class="break-all text-base text-active"><ul><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">お借入日から第1回返済日までの期間が1カ月未満の場合の約定利息</span></li><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">繰上返済の場合の未払利息</span></li><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">遅延損害金</span></li></ul></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="金利情報" style="scroll-margin-top:0px">金利情報</h3><p class="mt-2 whitespace-pre-line">金利は窓口にお問い合わせください。</p></div></div><div class="my-6"><div class="pt-6 md:pt-8"><div class="flex"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 24" class="mr-1 mt-[3.5px] size-6 shrink-0 md:mt-[7.5px]"><path fill="#D53F50" d="M10.635 4H19.6v6.704c0 .878-.171 1.748-.504 2.56a6.7 6.7 0 0 1-1.437 2.168 6.6 6.6 0 0 1-2.15 1.447 6.6 6.6 0 0 1-2.534.505h-2.812c-3.041-.011-5.272 1.693-5.272 5.35V24H4V10.7a6.74 6.74 0 0 1 1.945-4.737A6.6 6.6 0 0 1 10.635 4"></path></svg><h2 class="text-22px font-bold md:text-28px" id="保証人、担保" style="scroll-margin-top:0px">保証人、担保</h2></div><p class="mt-4 whitespace-pre-line">●ちばぎん保証株式会社を保証人とします（保証料が別途必要となります）。 なお、担保物件が共有または別途に担保提供する場合、もしくは所得を合算する場合は、原則として当該関係者をちばぎん保証株式会社に対する連帯保証人とします。 ●原則として融資対象物件または居宅を担保とし、ちばぎん保証株式会社が第1順位の抵当権を設定登記します。 ●敷地に抵当権を設定しない場合などにおいては、お借入対象となる建物に長期火災保険を付保していただき保険金請求権にちばぎん保証株式会社を質権者とする第1順位の質権を設定します。</p></div></div><div class="my-6"><div class="pt-6 md:pt-8"><div class="flex"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 24" class="mr-1 mt-[3.5px] size-6 shrink-0 md:mt-[7.5px]"><path fill="#D53F50" d="M10.635 4H19.6v6.704c0 .878-.171 1.748-.504 2.56a6.7 6.7 0 0 1-1.437 2.168 6.6 6.6 0 0 1-2.15 1.447 6.6 6.6 0 0 1-2.534.505h-2.812c-3.041-.011-5.272 1.693-5.272 5.35V24H4V10.7a6.74 6.74 0 0 1 1.945-4.737A6.6 6.6 0 0 1 10.635 4"></path></svg><h2 class="text-22px font-bold md:text-28px" id="手数料・保証料" style="scroll-margin-top:0px">手数料・保証料</h2></div><p class="mt-4 whitespace-pre-line">お借入時に所定の事務取扱手数料及び保証料が別途必要となります。</p></div></div><div class="my-6"><div><h4 class="font-bold">事務取扱手数料</h4><div class="mt-4 max-w-[calc(100vw-32px)] overflow-x-scroll md:hidden-scrollbar"><table class="w-full min-w-full max-w-fit table-fixed md:max-w-full"><tbody><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">銀行事務取扱手数料</th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">44,000円（税込）</td></tr><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">保証会社事務取扱手数料</th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">11,000円（税込）</td></tr></tbody></table></div></div></div><div class="my-6"><div><h4 class="font-bold">保証料</h4><div class="mt-4 max-w-[calc(100vw-32px)] overflow-x-scroll md:hidden-scrollbar"><table class="w-full min-w-full max-w-fit table-fixed md:max-w-full"><tbody><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">ご利用期間</th><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold HeadingMultiColumnTable_not-first-column__zQ7_x">保証料金額</th></tr><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">5年</th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">4,580円</td></tr><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">10年</th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">8,544円</td></tr><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">15年</th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">11,982円</td></tr><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">20年</th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">14,834円</td></tr><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">25年</th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">17,254円</td></tr><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">30年</th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">19,137円</td></tr><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">35年</th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">20,688円</td></tr></tbody></table></div></div></div><div class="my-6"><p class="text-xs text-inactive line-clamp-3 block whitespace-pre-line break-words">※お借入金額100万円あたりの金額です。 ※保証料をお支払いにならない方法もご選択できます。その場合、お借入れにかかる適用利率は店頭表示の利率に対し年0.2％～0.4％上乗せとなります。</p></div><div class="my-6"><p class="whitespace-pre-line break-words text-base text-active">変動金利から固定金利への変更及びその他返済条件を変更する場合は、条件変更手数料 33,000円（消費税含） が別途必要となります。</p></div><div class="my-6"><p class="text-xs text-inactive line-clamp-3 block whitespace-pre-line break-words">※内入を伴わない期間短縮の場合は、ちばぎん保証株式会社より残高・残存期間に応じて保証料をお戻しいたしますが、保証料返還事務手数料3,300円（消費税含）が別途必要となります。</p></div><div class="my-6"><div class="pt-6 md:pt-8"><div class="flex"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 24" class="mr-1 mt-[3.5px] size-6 shrink-0 md:mt-[7.5px]"><path fill="#D53F50" d="M10.635 4H19.6v6.704c0 .878-.171 1.748-.504 2.56a6.7 6.7 0 0 1-1.437 2.168 6.6 6.6 0 0 1-2.15 1.447 6.6 6.6 0 0 1-2.534.505h-2.812c-3.041-.011-5.272 1.693-5.272 5.35V24H4V10.7a6.74 6.74 0 0 1 1.945-4.737A6.6 6.6 0 0 1 10.635 4"></path></svg><h2 class="text-22px font-bold md:text-28px" id="繰上返済のお取り扱い" style="scroll-margin-top:0px">繰上返済のお取り扱い</h2></div><p class="mt-4 whitespace-pre-line">最終返済日前に全額または一部を繰上返済する場合は、前回返済日から繰上返済日までの日数に応じた未払利息とともに、繰上返済元金を受入れます。ただし、固定金利期間中の全額または一部の繰上返済は原則としてできません。 最終返済日前に繰上返済する場合は、次の繰上返済手数料（消費税含）が別途必要となります。</p></div></div><div class="my-6"><div><h4 class="font-bold"></h4><div class="mt-4 max-w-[calc(100vw-32px)] overflow-x-scroll md:hidden-scrollbar"><table class="w-full min-w-full max-w-fit table-fixed md:max-w-full"><tbody><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column"></th><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold HeadingMultiColumnTable_not-first-column__zQ7_x">変動金利期間中</th><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold HeadingMultiColumnTable_not-first-column__zQ7_x">固定金利期間 終了時</th><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold HeadingMultiColumnTable_not-first-column__zQ7_x">固定金利期間中</th></tr><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">一部繰上返済</th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">33,000円</td><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">33,000円</td><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">原則としてお取扱いできません</td></tr><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">全額繰上返済</th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">33,000円</td><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">33,000円</td><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">原則としてお取扱いできません</td></tr></tbody></table></div></div></div><div class="my-6"><p class="text-xs text-inactive line-clamp-3 block whitespace-pre-line break-words">※繰上返済いただいた場合、ちばぎん保証（株）より残高・残存期間に応じて保証料をお戻しいたしますが、保証料返還事務手数料＜一部：5,500円（消費税含）、全額：11,000円（消費税含）＞が別途必要となります。</p></div><div class="my-6"><div class="pt-6 md:pt-8"><div class="flex"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 24" class="mr-1 mt-[3.5px] size-6 shrink-0 md:mt-[7.5px]"><path fill="#D53F50" d="M10.635 4H19.6v6.704c0 .878-.171 1.748-.504 2.56a6.7 6.7 0 0 1-1.437 2.168 6.6 6.6 0 0 1-2.15 1.447 6.6 6.6 0 0 1-2.534.505h-2.812c-3.041-.011-5.272 1.693-5.272 5.35V24H4V10.7a6.74 6.74 0 0 1 1.945-4.737A6.6 6.6 0 0 1 10.635 4"></path></svg><h2 class="text-22px font-bold md:text-28px" id="団体信用生命保険" style="scroll-margin-top:0px">団体信用生命保険</h2></div><p class="mt-4 whitespace-pre-line">加入者が死亡または所定の高度障害状態になられたときなど、保険金によりローンの残額が返済される団体信用生命保険に加入していただきます（保険料は当行が負担いたします）。</p></div></div><div class="my-6"><p class="text-xs text-inactive line-clamp-3 block whitespace-pre-line break-words">※団体信用生命保険の詳細については、加入申込書兼告知書に添付されている「契約概要」「注意喚起情報」「正しく告知いただくために」および加入申込書兼告知書の裏面をご覧ください。</p></div><div class="my-6"><h4 class="mb-4 break-words text-base font-bold text-active">詳しくはこちら</h4><div class="rounded-lg border border-solid border-borderDarkGray p-4 md:p-6"><div class="flex w-fit"><a href="https://www.chibabank.co.jp/kojin/services/loan/housing/group_insurance/gi_general" class="break-all text-sm text-primary underline hover:no-underline hover:opacity-70">団信（特約なし）付ローンについて</a></div><div class="flex mt-4 w-fit"><a href="https://www.chibabank.co.jp/kojin/services/loan/housing/group_insurance/gi_cancer" class="break-all text-sm text-primary underline hover:no-underline hover:opacity-70">がん団信付ローンについて</a></div><div class="flex mt-4 w-fit"><a href="https://www.chibabank.co.jp/kojin/services/loan/housing/group_insurance/gi_wide" class="break-all text-sm text-primary underline hover:no-underline hover:opacity-70">ワイド団信付ローンについて</a></div><div class="flex mt-4 w-fit"><a href="https://www.chibabank.co.jp/kojin/services/loan/housing/group_insurance/gi_11shippei" class="break-all text-sm text-primary underline hover:no-underline hover:opacity-70">11疾病団信（生活習慣病団信＜入院プラス＞（がん先進付））付ローンについて）</a></div><div class="flex mt-4 w-fit"><a href="https://www.chibabank.co.jp/kojin/services/loan/housing/group_insurance/gi_injuries" class="break-all text-sm text-primary underline hover:no-underline hover:opacity-70">全傷病団信（全傷病団信α（がん先進付）））</a></div></div></div><div class="my-6"><div class="pt-6 md:pt-8"><div class="flex"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 24" class="mr-1 mt-[3.5px] size-6 shrink-0 md:mt-[7.5px]"><path fill="#D53F50" d="M10.635 4H19.6v6.704c0 .878-.171 1.748-.504 2.56a6.7 6.7 0 0 1-1.437 2.168 6.6 6.6 0 0 1-2.15 1.447 6.6 6.6 0 0 1-2.534.505h-2.812c-3.041-.011-5.272 1.693-5.272 5.35V24H4V10.7a6.74 6.74 0 0 1 1.945-4.737A6.6 6.6 0 0 1 10.635 4"></path></svg><h2 class="text-22px font-bold md:text-28px" id="損害保険（銀行窓販商品）" style="scroll-margin-top:0px">損害保険（銀行窓販商品）</h2></div><p class="mt-4 whitespace-pre-line">火災などにより建物や家財が損害を受けた場合に、損害が補償される住宅ローン専用火災保険（※）にご加入いただくことができます（保険料が別途必要となります）。 病気やケガなどで就業不能となった場合に、返済額相当の保険金が支払われる債務返済支援保険（※）へのご加入が可能です（保険料が別途必要となります）。</p></div></div><div class="my-6"><p class="text-xs text-inactive line-clamp-3 block whitespace-pre-line break-words">※保険内容については、専用パンフレットをご覧ください。</p></div><div class="my-6"><div class="pt-6 md:pt-8"><div class="flex"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 24" class="mr-1 mt-[3.5px] size-6 shrink-0 md:mt-[7.5px]"><path fill="#D53F50" d="M10.635 4H19.6v6.704c0 .878-.171 1.748-.504 2.56a6.7 6.7 0 0 1-1.437 2.168 6.6 6.6 0 0 1-2.15 1.447 6.6 6.6 0 0 1-2.534.505h-2.812c-3.041-.011-5.272 1.693-5.272 5.35V24H4V10.7a6.74 6.74 0 0 1 1.945-4.737A6.6 6.6 0 0 1 10.635 4"></path></svg><h2 class="text-22px font-bold md:text-28px" id="付加できる特約事項" style="scroll-margin-top:0px">付加できる特約事項</h2></div><p class="mt-4 whitespace-pre-line">毎月のご返済額およびボーナス時増額返済額について、元利均等返済額を下限として任意にご指定いただける返済額指定方式のお取り扱いが可能です。</p></div></div><div class="my-6"><p class="text-xs text-inactive line-clamp-3 block whitespace-pre-line break-words">※条件変更手数料が別途必要となります｡</p></div><div class="mb-6 mt-12 md:mt-14"><div style="height:212.8px"><div class="absolute right-0 mx-[calc(50%-(100dvw-var(--scrollbar-width,0px))/2)] w-dvw-no-sb"><div class="rounded-br-[32px] rounded-tl-[32px] bg-primary px-6 py-12 md:px-4 md:py-14"><div class="mx-auto md:flex md:max-w-[960px] md:items-center md:gap-14"><h2 class="break-all text-26px font-bold text-white md:flex-1 md:text-36px">お申込はこちら</h2><div class="mt-12 md:mt-0 md:flex-1"><div class=""><h3 class="break-all text-base font-bold text-white">住宅ローンのお申込・ご相談・シミュレーション</h3><div class="flex flex-col gap-6 mt-6"><a class="flex justify-center items-center gap-x-2 border bg-white border-solid border-borderDarkGray text-primary hover:border-primary font-bold min-h-12 w-full rounded-full px-4 py-2 focus:outline-none focus:ring-[3px] focus:ring-offset-4 focus:ring-white focus:ring-offset-primary break-all bg-white" href="https://www.chibabank.co.jp/kojin/loan/housing/tool/"><span class="flex max-h-[44.8px] gap-x-2 overflow-hidden leading-[1.4]"><span class="inline">住宅ローンシミュレーション</span></span></a><a class="flex justify-center items-center gap-x-2 text-white bg-primary hover:bg-[#D53F50B2] font-bold min-h-12 w-full rounded-full px-4 py-2 focus:outline-none focus:ring-[3px] focus:ring-offset-4 focus:ring-white focus:ring-offset-primary break-all border border-solid border-white hover:bg-[#E27985]" href="https://www.chibabank.co.jp/kojin/reservation/notes/"><span class="flex max-h-[44.8px] gap-x-2 overflow-hidden leading-[1.4]"><span class="inline">来店予約</span></span></a></div></div><div class="mt-12"><h3 class="break-all text-base font-bold text-white">住宅ローンに関する資料はこちら</h3><div class="flex flex-col gap-6 mt-6"><a class="flex justify-center items-center gap-x-2 border bg-white border-solid border-borderDarkGray text-primary hover:border-primary font-bold min-h-12 w-full rounded-full px-4 py-2 focus:outline-none focus:ring-[3px] focus:ring-offset-4 focus:ring-white focus:ring-offset-primary break-all bg-white" href="https://www.chibabank.co.jp/kojin/loan/housing/documents/"><span class="flex max-h-[44.8px] gap-x-2 overflow-hidden leading-[1.4]"><span class="inline">パンフレットダウンロード</span></span></a></div></div></div></div></div></div></div></div><div class="my-6"><div class="flex w-full rounded-lg bg-white p-4 border border-solid border-borderDarkGray"><details class="w-full"><summary class="flex cursor-pointer select-none list-none focus-ring-offset-0 [&::-webkit-details-marker]:hidden"><div class="flex w-full cursor-pointer justify-between focus-ring-offset-0"><div class="flex w-full items-center"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 20 20" class="mr-2 size-5 shrink-0"><circle cx="10" cy="10" r="7.5" stroke="#D53F50" stroke-width="1.5"></circle><path fill="#D53F50" fill-rule="evenodd" d="M11 6.667a1 1 0 1 0-2 0v3.75a1 1 0 1 0 2 0zM10 13a1 1 0 1 0 0 2 1 1 0 0 0 0-2" clip-rule="evenodd"></path></svg><p>ご留意事項</p></div><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 25" class="ml-2 flex-none self-center size-6"><path stroke="#D53F50" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m7 11.5 5 5 5-5"></path></svg></div></summary><div class="h-0 overflow-hidden transition-[height,opacity] duration-100 ease-in-out"><div class="w-full border-collapse bg-white"><p class="mt-6 whitespace-pre-wrap text-sm">●ご返済額の試算をご希望の場合は、窓口にお申し付けください。 ●ご利用いただくためには、当行所定の審査が必要となります。 ●審査の結果によっては、ご希望に添いかねることもございますので、あらかじめご了承ください。</p></div></div></details></div></div><h2 class="mt-12 text-22px font-bold md:mt-14 md:text-28px">キャンペーン</h2><div class="mt-6"><div class="w-full h-[calc(370px+24px+40px)] md:h-[calc(334px+24px+40px)]"><div class="flex h-full items-center justify-center"><div class="h-[40px]"><div class="size-full"></div></div></div></div></div></div></div><div class="flex justify-center px-4 bg-white"><div class="w-full max-w-[960px] py-12 md:py-14"><div class="mt-12 md:mt-14"><h2 class="mb-6 text-22px font-bold tracking-[0.44px] md:text-28px md:tracking-[0.56px]">関連ブログ</h2><div class="w-full h-[calc(370px+24px+40px)] md:h-[calc(334px+24px+40px)]"><div class="flex h-full items-center justify-center"><div class="h-[40px]"><div class="size-full"></div></div></div></div></div><div class="mt-12 md:mt-14"><h2 class="mb-6 text-22px font-bold tracking-[0.44px] md:text-28px md:tracking-[0.56px]">セミナー・イベント</h2><div class="w-full h-[calc(221px + 24px + 40px)] md:h-[calc(259px+24px+40px)]"><div class="flex h-full items-center justify-center"><div class="h-[40px]"><div class="size-full"></div></div></div></div></div><div class="mt-12 md:mt-14"><h2 class="mb-6 text-22px font-bold tracking-[0.44px] md:text-28px md:tracking-[0.56px]">よくあるご質問</h2><div class="w-full min-h-auto"><div class="flex h-[92px] items-center justify-center"><p class="text-center">現在、金利選択型セカンドハウスローンに関連するよくあるご質問はございません</p></div></div></div><div class="mt-12 md:mt-14"><h2 class="mb-6 text-22px font-bold tracking-[0.44px] md:ml-0 md:text-28px md:tracking-[0.56px]">関連リンク</h2><div class="w-full h-[calc(170px + 24px + 40px)] md:h-[calc(186px+24px+40px)]"><div class="flex h-full items-center justify-center"><div class="h-[40px]"><div class="size-full"></div></div></div></div></div></div></div><div class="flex justify-center px-4 bg-white"><div class="w-full max-w-[960px] pb-12 md:pb-14"><div class="mt-12 md:mt-14"><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/kojin/services/loan/other_loan/second_house_outline" 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 1-.6.17c-.237-.094-.313-.255-.313-.587V9.854c0-.313.095-.474.314-.57.333-.122.504.077.618.238.171.209 1.806 2.465 1.883 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