1,PLANNING for EDUCATION FUND
i STUDENT INSURANCE
Education endowment insurance is sold by general life insurance companies and non-life insurance companies.
- ・savings function.
- ・security function.
ii EDUCATION LOAN
There are public loans and private loans in education loans, and the main types of public loans include educational general loans.
教育一般貸付（Education general loan.）
- ・限度額：３５０万円
- ・金利：固定金利
- ・返済期間：最長１８年
- ・融資元：日本政策金融公庫
※年収制限あり、備品購入・交通費購入可能
iii SCHOLARSHIP SYSTEM of JAPAN STUDENT SERVICES ORGANIZATION
A representative scholarship system is the scholarship system operated by the Japan Student Services Organization (independent administrative agency).
日本学生支援機構
①貸付型
- 無利息：第一種奨学金
- 利息付：第二種奨学金
②給付型（高等教育の修学支援新制度）
- ・授業料と入学金の減額または免除 （By each collage)
- ・給付型奨学金の支給 （By Japan Student Services Organization)
2,PLANNING for HOUSING FUND
i PROPERTY HOUSING SAVIMGS
Employees of companies that have introduced the property accumulation savings system make savings for the purpose of acquiring or expanding a house in the form of deductions from their salaries.
- ・５５０万まで非課税（財形年金の合計値※所要件有）
- ・５５歳未満の人
ii MOETGAGE INTEREST RATE
There are fixed interest rates, variable interest rates, and fixed interest rate options for housing loans.
・固定金利型（ fixed interest rates）
A loan in which the rights at the time of loan application or loan execution remain unchanged until repayment is complete.
・変動金利型（variable interest rates）
A loan whose interest rate fluctuates as market interest rates fluctuate.
※Interest rates are reviewed semi-annually.
・固定金利選択型（Fixed interest option type.）
A loan that has a fixed interest rate at the beginning of the repayment period and can choose between a fixed or variable interest rate after the fixed interest period ends.
※固定金利期間が長いの程、金利は高くなる
iii MORTGAGE REPAYMENT METHOD
There are two types of mortgage repayment methods: equal principal and interest repayment and principal equal repayment.
①元利均等返済（Equal repayment of principal and interest.）
A repayment method in which the total amount of each repayment (principal and interest) is fixed.※At the beginning of the repayment period, the interest portion is large, and as the repayment period elapses, the principal portion increases.
②元金均等返済（Equal repayment of principal.）
A repayment method in which the principal portion of each repayment amount is constant.※As the repayments progress, the loan balance will decrease. interest is also reduced.
①元利均等返済>②元金均等返済 ※私は 元金均等返済 で借りる
iv TYPE of MORTGAGE
The main mortgages are Zaikei Housing Loans and Flat 35.
①財形住宅融資（ Zaikei Housing Loans ）（By Public)
- ・金利： ５年 固定金利
- ・融資金額：財形貯蓄残高の10倍以内。最高4000万円で、住宅の購入価格の90%以内。
- ※条件：1年以上継続して積み立てており、財形貯蓄残高が50万円以上ある
②フラット35（Private financial institutions and the Japan Housing Finance Agency.）
- ・金利：固定金利（融資実行日の金利適用）
- ・融資金額：8000万円（購入価格100％）※90％以上の場合、高金利。
- ・返済期間：最長35年（完済時の年齢80歳以下）
- ・条件：本人が住む。申し込時点で70歳未満
- ・繰越返済：窓口100万円以上、ネット10万円以上
- ※保証人や保証料不要、繰越返済の手数料は無料、親子リレー完済可
v EARLY REPAYMENT
By making early repayments, the principal of the loan is reduced, so the interest is also reduced, and the total repayment amount can be reduced. There are two types of early repayment: the repayment time reduction type and the repayment amount reduction type.
①返済期間短縮型（the repayment time reduction type ）
How to shorten the repayment period without changing the amount of each repayment.
②返済額軽減型（the repayment amount reduction type.）
How to reduce the amount of each payment without changing the repayment period.
①返済期間短縮型>②返済額軽減型 私は、 返済期間短縮型 にする
vi REFINANCING
Refinancing means paying off a high-interest loan in one lump sum and replacing it with a lower-interest loan.
※You cannot refinance to a public loan such as a property type housing loan.
vii GROUP CREDIT LIFE INSURANCE
Group credit life insurance is an insurance contract under which if the debtor dies while the mortgage is being repaid, the insurance company will pay the mortgage balance at that time to the financial institution as insurance money. Therefore, if group credit life insurance is applied to a mortgage, the bereaved family will not have to pay the remaining mortgage after the mortgage debtor dies. ※団体信用生命保険：主死んだら返さなくてよいよ！
3,PLAMMIMG for RETIREMENT FUND
i CALCULATION of POST-RETIREMENT LIVING EXPENSES
①Retirement planning.
Life planning after retirement or old age.
②Living expenses for old age.
The main funds for life after retirement are retirement allowances, pensions (public pensions, corporate pensions), and savings. Retirement planning involves estimating these post-retirement living expenses (income) and post-retirement living expenses (expenditures), and if there is a shortage, we will think about how to prepare for it.
③Calculation of post-retirement living expenses.
- 夫婦とも健在（月額）退職前のの生活費×0.7％
- 独り身（月額）：退職前の生活費×0.5％
