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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">住宅ローン変動金利の基準利率見直しについて</li></ol></nav></div><main><div class="flex justify-center px-4 bg-white"><div class="w-full max-w-[672px] pb-12 pt-8 md:pb-14 lg:pt-0"><h1 class="text-4xl font-bold tracking-[0.56px]">住宅ローン変動金利の基準利率見直しについて</h1><div class="flex items-baseline gap-x-2.5"><p class="block w-fit content-center text-sm text-left bg-secondary text-primary-dark min-h-7 rounded px-1.5 ">NEW</p><p class="mt-2 text-sm text-inactive">2026.10.1</p></div><div class="contents ![overflow-wrap:anywhere] [&_*]:![overflow-wrap:anywhere]"><div class="my-6"><p class="whitespace-pre-line break-words text-base text-active"><span class="">「短期プライムレート」の引き上げに伴い、住宅ローン変動金利の基準利率を以下の通り見直しました。</span></p></div><div class="my-6"><div class="pt-6 md:pt-8"><h2 class="text-22px font-bold md:text-28px" id="１．住宅ローン変動金利の基準利率見直し" style="scroll-margin-top:0px">１．住宅ローン変動金利の基準利率見直し</h2><p class="mt-4 whitespace-pre-line"><span class="">見直し日：2026年10月1日（木）</span></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"><span class="">変更前</span></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"><span class="">変更後</span></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"><span class="">改訂幅</span></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"><span class="">基準利率</span></th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x"><span class="">3.125％</span></td><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x"><span class="">3.375％</span></td><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x"><span class="">+0.25%</span></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"><span class="">（短期プライムレート）</span></th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x"><span class="">2.500％</span></td><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x"><span class="">2.750％</span></td><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x"><span class="">+0.25%</span></td></tr></tbody></table></div></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"><span class="">当行が設定する「ローン基準金利（店頭表示金利）」を基準利率とします。</span></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"><span class="">「ローン基準金利」は、金利環境等の変化に応じて毎月見直されます。</span></span></li></ul></div></div><div class="my-6"><div class="pt-6 md:pt-8"><h2 class="text-22px font-bold md:text-28px" id="２．これからローンをご利用されるお客さま" style="scroll-margin-top:0px">２．これからローンをご利用されるお客さま</h2><p class="mt-4 whitespace-pre-line"><span class="">2026年10月1日（木）以降に「お借入れ」のお客さまにつきましては、変更後の基準利率が適用されます。</span></p></div></div><div class="my-6"><p class="text-xs text-inactive line-clamp-3 block whitespace-pre-line break-words">※お借入利率は、「お借入れ日」を基準に決定します。 ※お借入れ後の利率の見直しは、下記３をご覧ください。</p></div><div class="my-6"><div class="pt-6 md:pt-8"><h2 class="text-22px font-bold md:text-28px" id="３．ローンをご利用中のお客さま" style="scroll-margin-top:0px">３．ローンをご利用中のお客さま</h2></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="お借入利率" style="scroll-margin-top:0px">お借入利率</h3><p class="mt-2 whitespace-pre-line"><span class="">下記の通り見直します。</span></p></div></div><div class="my-6"><div class=""><h4 class="font-bold" style="scroll-margin-top:undefinedpx">基準日 ※</h4><p class="mt-2 whitespace-pre-line"><span class="">2026年10月1日（木）</span></p></div></div><div class="my-6"><p class="text-xs text-inactive line-clamp-3 block whitespace-pre-line break-words">※適用する基準利率の決定日</p></div><div class="my-6"><div class="break-all text-base text-active"><div class="mb-4 font-bold">新しいお借入利率の適用開始日</div><ul><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end">①</span><span class="whitespace-pre-line"><span class="">半年ごとの増額返済を利用しない場合 2026年12月の約定返済日の翌日</span></span></li><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end">②</span><span class="whitespace-pre-line"><span class="">半年ごとの増額返済を利用する場合 2026年12月以降、最初に到来する増額返済日の翌日</span></span></li></ul></div></div><div class="my-6"><p class="whitespace-pre-line break-words text-base text-active"><span class="">見直し後のお借入利率は、返済予定表等にて11月上旬～中旬頃にちばぎんマイポスト（郵送での交付をお申込みいただいているお客さまは郵送）でお知らせしております。</span></p></div><div class="my-6"><p class="whitespace-pre-line break-words text-base text-active"><span class="">（例）毎月10日を返済日とし、増額返済（ボーナス返済）を利用していない場合</span></p></div><div class="my-6"><div class="block w-full overflow-hidden rounded-xl border border-solid border-borderInput" role="button" tabindex="0" aria-label="画像を拡大表示" style="cursor:pointer"><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.imagewave.pictures%2F7v7x-fhj20OnBDQXVK2v4g%2F86d33038-0305-40fa-b196-0485af9da800%2Fpublic&w=640&q=75 640w, 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