2. 総量規制の導入で融資額が年収の1/3までに規制

  3. 総量規制の対象外（除外・例外）になる借金やローン

  4. 専業主婦がお金を借りる時に必要となる書類

当サイトの人気ランキング

まずは改正貸金業法と総量規制について理解しましょう！

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    • 2010年6月18日を境に、お金を借りるルールが変わりました。

    また、同時に「総量規制」が導入されました。

    オススメの消費者金融

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    • 銀行のカードローンは総量規制の対象外

    ただし、審査は消費者金融よりも厳しくなります。

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    1. 月々の返済額が減る

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    • 友人との付き合い
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    事業資金の調達
    個人事業者に対する貸付けは総量規制の対象外

    不動産担保ローン

    不動産担保ローン

    また、不動産担保ローンには以下の３つの特徴もあります。

    1. 不動産という担保があるので、無担保に比べて低金利。

    2. 不動産という担保があるので、まとまった金額の借り入れも可能。

    3. 不動産という担保があるので、総量規制の対象外。

    こんな時に上手にお金を借りたいですね。


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