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10 8 6.667 4.667"></path></svg><li aria-current="page" class="inline">住宅ローンに関する用語集</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]">住宅ローンに関する用語集</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"><div class="rounded-lg border border-solid border-borderInput bg-white p-6"><a href="#ア行" class="flex items-center justify-between py-2 focus-ring-offset-0"><div class="min-h-5 w-full break-all text-sm underline hover:text-primary">ア行</div><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 16 17" class="ml-2 flex-none"><path fill="#D53F50" fill-rule="evenodd" d="M12.523 11.287a.75.75 0 0 0-1.046-1.075l-2.728 2.655v-9.72a.75.75 0 0 0-1.5 0v9.72l-2.726-2.655a.75.75 0 0 0-1.046 1.075l3.998 3.894a.75.75 0 0 0 1.047 0z" clip-rule="evenodd"></path></svg></a><a href="#カ行" class="flex items-center justify-between py-2 focus-ring-offset-0"><div class="min-h-5 w-full break-all text-sm underline hover:text-primary">カ行</div><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 16 17" class="ml-2 flex-none"><path fill="#D53F50" fill-rule="evenodd" d="M12.523 11.287a.75.75 0 0 0-1.046-1.075l-2.728 2.655v-9.72a.75.75 0 0 0-1.5 0v9.72l-2.726-2.655a.75.75 0 0 0-1.046 1.075l3.998 3.894a.75.75 0 0 0 1.047 0z" clip-rule="evenodd"></path></svg></a><a href="#サ行" class="flex items-center justify-between py-2 focus-ring-offset-0"><div class="min-h-5 w-full break-all text-sm underline hover:text-primary">サ行</div><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 16 17" class="ml-2 flex-none"><path fill="#D53F50" fill-rule="evenodd" d="M12.523 11.287a.75.75 0 0 0-1.046-1.075l-2.728 2.655v-9.72a.75.75 0 0 0-1.5 0v9.72l-2.726-2.655a.75.75 0 0 0-1.046 1.075l3.998 3.894a.75.75 0 0 0 1.047 0z" clip-rule="evenodd"></path></svg></a><a href="#タ行" class="flex items-center justify-between py-2 focus-ring-offset-0"><div class="min-h-5 w-full break-all text-sm underline hover:text-primary">タ行</div><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 16 17" class="ml-2 flex-none"><path fill="#D53F50" fill-rule="evenodd" d="M12.523 11.287a.75.75 0 0 0-1.046-1.075l-2.728 2.655v-9.72a.75.75 0 0 0-1.5 0v9.72l-2.726-2.655a.75.75 0 0 0-1.046 1.075l3.998 3.894a.75.75 0 0 0 1.047 0z" clip-rule="evenodd"></path></svg></a><a href="#ハ行" class="flex items-center justify-between py-2 focus-ring-offset-0"><div class="min-h-5 w-full break-all text-sm underline hover:text-primary">ハ行</div><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 16 17" class="ml-2 flex-none"><path fill="#D53F50" fill-rule="evenodd" d="M12.523 11.287a.75.75 0 0 0-1.046-1.075l-2.728 2.655v-9.72a.75.75 0 0 0-1.5 0v9.72l-2.726-2.655a.75.75 0 0 0-1.046 1.075l3.998 3.894a.75.75 0 0 0 1.047 0z" clip-rule="evenodd"></path></svg></a><a href="#ラ行" class="flex items-center justify-between py-2 focus-ring-offset-0"><div class="min-h-5 w-full break-all text-sm underline hover:text-primary">ラ行</div><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 16 17" class="ml-2 flex-none"><path fill="#D53F50" fill-rule="evenodd" d="M12.523 11.287a.75.75 0 0 0-1.046-1.075l-2.728 2.655v-9.72a.75.75 0 0 0-1.5 0v9.72l-2.726-2.655a.75.75 0 0 0-1.046 1.075l3.998 3.894a.75.75 0 0 0 1.047 0z" clip-rule="evenodd"></path></svg></a></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="ア行" style="scroll-margin-top:0px">ア行</h2></div></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="印紙税" style="scroll-margin-top:0px">印紙税</h3><p class="mt-2 whitespace-pre-line">印紙税とは、契約書などを作成した場合にかかる国税のひとつです。契約書などに必要な金額の印紙を貼り、消印することにより納税します。税額は契約書の内容や契約金額などによって異なります。1,000万円超5,000万円以下の住宅ローンでは、印紙税は2万円となります。</p></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="一部繰上返済" style="scroll-margin-top:0px">一部繰上返済</h3><p class="mt-2 whitespace-pre-line">一部繰上返済とは、お客さまが操作する端末による依頼および当行の承認に基づき、お客さまがローンについて、お借入れの一部を期限前に繰上げて返済し、新たなご返済方法を約定することができるサービスを指します。一部繰上返済は、固定金利選択と同時にご利用いただくこともできます。なお、本サービスではローンの全額繰上返済を行うことはできません。</p></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="親子リレー返済" style="scroll-margin-top:0px">親子リレー返済</h3><p class="mt-2 whitespace-pre-line">親が借りた住宅ローン債務を、将来、子どもが引き継いで返済する方式を指し、親子で連帯して債務を負います。住宅ローンには完済時年齢の制限があるため、親子リレー返済を利用することで、親が高齢であっても子どもの年齢あわせて住宅ローンの返済期間を設定することができます。</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="カ行" style="scroll-margin-top:0px">カ行</h2></div></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="元金（がんきん）" style="scroll-margin-top:0px">元金（がんきん）</h3><p class="mt-2 whitespace-pre-line">当初借り入れた（利息を含まない）金額を指します。</p></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="元金均等返済（がんきんきんとうへんさい）" style="scroll-margin-top:0px">元金均等返済（がんきんきんとうへんさい）</h3><p class="mt-2 whitespace-pre-line">元金の返済額が一定である返済方式を指します。借入金額を返済回数で割って算出した割賦元金に、残高に対する利息を上乗せして返済します。元利均等返済方式に比べて利息の総額は少ないですが、当初の返済額は多くなる点が特徴です。</p></div></div><div class="my-6"><button class="block w-full cursor-pointer border-0 bg-transparent p-0 text-left outline-none"><div class="relative w-full overflow-hidden rounded-xl border border-solid border-borderInput"><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="h-auto w-full" style="color:transparent" sizes="100vw" srcSet="/_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fw5AY49c5ypxZEABuxpNPqW&w=640&q=75 640w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fw5AY49c5ypxZEABuxpNPqW&w=750&q=75 750w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fw5AY49c5ypxZEABuxpNPqW&w=828&q=75 828w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fw5AY49c5ypxZEABuxpNPqW&w=1080&q=75 1080w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fw5AY49c5ypxZEABuxpNPqW&w=1200&q=75 1200w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fw5AY49c5ypxZEABuxpNPqW&w=1920&q=75 1920w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fw5AY49c5ypxZEABuxpNPqW&w=2048&q=75 2048w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fw5AY49c5ypxZEABuxpNPqW&w=3840&q=75 3840w" src="/_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fw5AY49c5ypxZEABuxpNPqW&w=3840&q=75"/></div></button></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="元利均等返済（がんりきんとうへんさい）" style="scroll-margin-top:0px">元利均等返済（がんりきんとうへんさい）</h3><p class="mt-2 whitespace-pre-line">元金と利息の合計（返済額）が一定である、一般的な返済方式を指します。毎回の返済額が同じ金額になるように返済します。元金均等返済に比べるとローン残高の減少スピードが遅いため、総返済額は多くなりますが、返済開始当初の返済額を少なくすることができ、返済額が常に一定しているため返済計画は立てやすいという点が特徴です。</p></div></div><div class="my-6"><button class="block w-full cursor-pointer border-0 bg-transparent p-0 text-left outline-none"><div class="relative w-full overflow-hidden rounded-xl border border-solid border-borderInput"><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="h-auto w-full" style="color:transparent" sizes="100vw" srcSet="/_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fq4DQiR3Mf36BaFgBqCeE5A&w=640&q=75 640w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fq4DQiR3Mf36BaFgBqCeE5A&w=750&q=75 750w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fq4DQiR3Mf36BaFgBqCeE5A&w=828&q=75 828w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fq4DQiR3Mf36BaFgBqCeE5A&w=1080&q=75 1080w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fq4DQiR3Mf36BaFgBqCeE5A&w=1200&q=75 1200w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fq4DQiR3Mf36BaFgBqCeE5A&w=1920&q=75 1920w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fq4DQiR3Mf36BaFgBqCeE5A&w=2048&q=75 2048w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fq4DQiR3Mf36BaFgBqCeE5A&w=3840&q=75 3840w" src="/_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fq4DQiR3Mf36BaFgBqCeE5A&w=3840&q=75"/></div></button></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="金銭消費貸借契約（きんせんしょうひたいしゃくけいやく）" style="scroll-margin-top:0px">金銭消費貸借契約（きんせんしょうひたいしゃくけいやく）</h3><p class="mt-2 whitespace-pre-line">金融機関から融資を受けるときに交わす、いわゆるローン契約を指します。「金消契約」と略されます。</p></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="繰上返済（期間短縮型）（くりあげへんさい きかんたんしゅくがた）" style="scroll-margin-top:0px">繰上返済（期間短縮型）（くりあげへんさい きかんたんしゅくがた）</h3><p class="mt-2 whitespace-pre-line">通常の返済額とは別に、ローン残高の一部または全額を返済することをいい、もともと負担するはずだった支払利息を軽減できる効果があります。「期間短縮型」は、現在の毎回の返済額を変えずに、残りの返済期間を短くする方法。一般的には、「期間短縮型」のほうが、「返済額軽減型」よりも利息軽減効果が高いといわれています。</p></div></div><div class="my-6"><button class="block w-full cursor-pointer border-0 bg-transparent p-0 text-left outline-none"><div class="relative w-full overflow-hidden rounded-xl border border-solid border-borderInput"><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="h-auto w-full" style="color:transparent" sizes="100vw" srcSet="/_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2F34uo2rLcVxwgKknX2GqbhB&w=640&q=75 640w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2F34uo2rLcVxwgKknX2GqbhB&w=750&q=75 750w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2F34uo2rLcVxwgKknX2GqbhB&w=828&q=75 828w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2F34uo2rLcVxwgKknX2GqbhB&w=1080&q=75 1080w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2F34uo2rLcVxwgKknX2GqbhB&w=1200&q=75 1200w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2F34uo2rLcVxwgKknX2GqbhB&w=1920&q=75 1920w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2F34uo2rLcVxwgKknX2GqbhB&w=2048&q=75 2048w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2F34uo2rLcVxwgKknX2GqbhB&w=3840&q=75 3840w" src="/_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2F34uo2rLcVxwgKknX2GqbhB&w=3840&q=75"/></div></button></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="繰上返済（返済額軽減型）（くりあげへんさい へんさいがくけいげんがた）" style="scroll-margin-top:0px">繰上返済（返済額軽減型）（くりあげへんさい へんさいがくけいげんがた）</h3><p class="mt-2 whitespace-pre-line">通常のローン返済額とは別に、ローン残高の一部を返済する一部繰上返済のうち、返済期間は変えずにその後の返済額を減らす方法を指します。 期間短縮型と同様に、利息軽減効果があります。</p></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="固定金利（こていきんり）" style="scroll-margin-top:0px">固定金利（こていきんり）</h3><p class="mt-2 whitespace-pre-line">契約期間または一定期間の適用金利が変わらない金利体系のことを指します。金利が低いときや今後金利の上昇が見込まれるような場合には、固定金利が有利と言われています。</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="サ行" style="scroll-margin-top:0px">サ行</h2></div></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="住宅ローン控除（じゅうたくろーんこうじょ）" style="scroll-margin-top:0px">住宅ローン控除（じゅうたくろーんこうじょ）</h3><p class="mt-2 whitespace-pre-line">住宅ローンを用いて新築や中古住宅の購入、増改築をした場合に、一定の条件に該当すれば年末のローン残高に応じて所得税が還付される減税制度を指します。入居時期により最大控除額が異なります。正式には「住宅借入金等特別控除」となります。</p></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="収入合算（しゅうにゅうがっさん）" style="scroll-margin-top:0px">収入合算（しゅうにゅうがっさん）</h3><p class="mt-2 whitespace-pre-line">申込本人の収入だけでは、希望する額の住宅ローンの借入れに必要な収入基準を満たさない場合に、同居予定者の収入を合算することを指します。収入合算によって借入額を増やすことは可能ですが、返済額も増えることとなるので、慎重に検討する必要があります。</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="タ行" style="scroll-margin-top:0px">タ行</h2></div></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="担保（たんぽ）" style="scroll-margin-top:0px">担保（たんぽ）</h3><p class="mt-2 whitespace-pre-line">ローンの返済ができなくなった場合に備えて、債権者があらかじめ、何らかの物（物的担保）もしくは保証人（人的担保）を債務者に提供してもらい、債務の弁済を確保するものを指します。住宅ローンでは融資対象物件を担保とし、抵当権を設定します。</p></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="抵当権（ていとうけん）" style="scroll-margin-top:0px">抵当権（ていとうけん）</h3><p class="mt-2 whitespace-pre-line">債務が弁済されないときには、担保物件（土地、建物等）の競売代金から優先して弁済を受けられる権利を指します。</p></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="登記費用（とうきひよう）" style="scroll-margin-top:0px">登記費用（とうきひよう）</h3><p class="mt-2 whitespace-pre-line">取得した土地・建物などを登記するために必要な費用を指します。司法書士に支払う報酬も登記費用に含まれます。</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="ハ行" style="scroll-margin-top:0px">ハ行</h2></div></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="変動金利（へんどうきんり）" style="scroll-margin-top:0px">変動金利（へんどうきんり）</h3><p class="mt-2 whitespace-pre-line">借入期間の途中で一定のルールに基づいて、適用金利が変わる金利体系を指します。金利が下落傾向にある場合は、そのメリットを早く受けられるように変動金利制を選択するのが一般的に有利といわれています。</p></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="ボーナス返済（ぼーなすへんさい）" style="scroll-margin-top:0px">ボーナス返済（ぼーなすへんさい）</h3><p class="mt-2 whitespace-pre-line">毎月の返済に加えて、年2回のボーナス月に上乗せして返済する方法を指します。お借入金額の1／2が上限となります。</p></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="保証料（ほしょうりょう）" style="scroll-margin-top:0px">保証料（ほしょうりょう）</h3><p class="mt-2 whitespace-pre-line">一般的に、銀行や住宅金融公庫で住宅ローンを借りる場合、保証人の代わりに保証会社や保証協会に保証してもらう際、借入期間や金額に応じて支払う料金を指します。</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="ラ行" style="scroll-margin-top:0px">ラ行</h2></div></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="連帯債務者（れんたいさいむしゃ）" style="scroll-margin-top:0px">連帯債務者（れんたいさいむしゃ）</h3><p class="mt-2 whitespace-pre-line">連帯して債務（ローン）の返済をする人を指します。連帯債務とは、1つの債務（ローン）に対する連帯（共同）責任であり、返済責任が半分に按分されるというものではなく、債権者に対しては、あくまで債務全額ついて返済責任を負うこととなります。</p></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="連帯保証人（れんたいほしょうにん）" style="scroll-margin-top:0px">連帯保証人（れんたいほしょうにん）</h3><p class="mt-2 whitespace-pre-line">債務の保証をする人のことを指します。保証人には「保証人」と「連帯保証人」がありますが、このうち、住宅ローンの保証人としては「連帯保証人」とされる場合がほとんどです。 連帯保証人には「催告の抗弁権」（先に債務者に請求せよと言える権利）および「検索の抗弁権」（先に債務者の財産を差し押さえよ」と言える権利）がなく、事実上、債務者とほぼ同等の義務を負うことになります。</p></div></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://form.chibabank.co.jp/pc/house_terms_new.php?loan_id=N01"><span class="flex max-h-[44.8px] gap-x-2 overflow-hidden leading-[1.4]"><span class="inline">ネットで事前審査<svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 24" class="pointer-events-none ml-1 inline-block size-6 align-sub"><path fill="#D53F50" fill-rule="evenodd" d="M13.773 4a.75.75 0 0 0 0 1.5h3.666l-.443.443-5.58 5.579-.014.015-.932.933a.75.75 0 0 0 1.06 1.06l6.527-6.527.443-.442v3.666a.75.75 0 0 0 1.5 0V4.75a.75.75 0 0 0-.75-.75zM4 7.25a.75.75 0 0 0-.75.75v12c0 .414.336.75.75.75h12a.75.75 0 0 0 .75-.75v-6a.75.75 0 0 0-1.5 0v5.25H4.75V8.75H10a.75.75 0 0 0 0-1.5z" clip-rule="evenodd"></path></svg></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/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><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、住宅ローンに関する用語集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/housing/housing_basics/housing_glossary" 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