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総量規制の導入で融資額が年収の1/3までに規制

11. 総量規制の対象外（除外・例外）になる借金やローン

12. 専業主婦がお金を借りる時に必要となる書類

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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！

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。

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オススメの消費者金融

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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女性のためのキャッシング・レディースローン

OLや主婦の場合は、女性専用のレディースキャッシングがオススメです。

複数の金融機関からお金を借りている人へ

1. 月々の返済額が減る

2. 金利（実質年率）が下がる

3. トータルの返済額も減る

4. 返済日が月に１日だけなので精神的にも楽になる

予期せぬ出費に備えよう！
使途自由のフリーローン

• 友人との付き合い
• 友人や親類のお祝い事
• キャリアップを目指した自己投資
• 子供の教育資金
• 家族や友人や会社の同僚との旅行
• 病気やケガなどの医療費

といった予期せぬ出費に事前に備えることができます！

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

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。

• 新しい洋服を買いたい！
• 旅行に行きたい！
• 事業のつなぎ資金に！
• 急な出費、お葬式
• 急な出費、結婚式
• 急な出費、医療費
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• プレゼント・記念日のお祝い
• お稽古・資格取得・学校
• 新年・お正月明けは金欠に
• 家賃の支払いの遅れ・家賃滞納

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