総量規制の導入で融資額が年収の1/3までに規制
総量規制の対象外（除外・例外）になる借金やローン
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！
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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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
月々の返済額が減る
金利（実質年率）が下がる
トータルの返済額も減る
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。
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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。
不動産という担保があるので、総量規制の対象外。
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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！
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- 急な出費、お葬式
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- 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