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

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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！

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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。

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    • オススメの消費者金融

    30日間無利息、利息0円

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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。

    女性のためのキャッシング・レディースローン

    女性専用レディースローン

    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

    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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