{"id":382,"date":"2026-10-15T03:36:00","date_gmt":"2026-10-14T18:36:00","guid":{"rendered":"https:\/\/liberttus.jp\/?p=382"},"modified":"2026-10-20T22:52:22","modified_gmt":"2026-10-20T13:52:22","slug":"%e4%bd%8f%e5%ae%85%e3%83%ad%e3%83%bc%e3%83%b3%e8%bf%94%e6%b8%88%e3%81%a8%e8%b3%87%e7%94%a3%e9%81%8b%e7%94%a8%e3%82%92%e3%82%b7%e3%83%9f%e3%83%a5%e3%83%ac%e3%83%bc%e3%82%b7%e3%83%a7%e3%83%b3%ef%bd%9c","status":"publish","type":"post","link":"https:\/\/liberttus.jp\/?p=382","title":{"rendered":"\u4f4f\u5b85\u30ed\u30fc\u30f3\u8fd4\u6e08\u3068\u8cc7\u7523\u904b\u7528\u3092\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\uff5c\u5b8c\u6e08\u6642\u306b\u8cc7\u7523\u306f\u3044\u304f\u3089\u6b8b\u308b\uff1f\u3010#33\u3011"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/liberttus.jp\/?p=380\">#31<\/a>\u3067\u7d39\u4ecb\u3057\u305f\u30b7\u30df\u30e5\u30ec\u30fc\u30bf\u30fc\u3092\u629c\u7c8b\u3057\u3066\u63b2\u8f09\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<div id=\"liberttus-mortgage-simulator\">\n  <style>\n    #liberttus-mortgage-simulator {\n      max-width: 760px;\n      margin: 32px auto;\n      font-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\",\n        \"Hiragino Kaku Gothic ProN\", \"Hiragino Sans\", Meiryo, sans-serif;\n      color: #333;\n      line-height: 1.7;\n    }\n\n    #liberttus-mortgage-simulator * {\n      box-sizing: border-box;\n    }\n\n    #liberttus-mortgage-simulator .sim-box {\n      border: 1px solid #ddd;\n      border-radius: 10px;\n      padding: 24px;\n      background: #fff;\n    }\n\n    #liberttus-mortgage-simulator h3 {\n      margin: 0 0 8px;\n      font-size: 1.35rem;\n    }\n\n    #liberttus-mortgage-simulator .lead {\n      margin: 0 0 24px;\n      color: #666;\n      font-size: 0.95rem;\n    }\n\n    #liberttus-mortgage-simulator .section-title {\n      margin: 26px 0 12px;\n      padding-bottom: 6px;\n      border-bottom: 1px solid #ddd;\n      font-size: 1.05rem;\n      font-weight: 700;\n    }\n\n    #liberttus-mortgage-simulator .input-grid {\n      display: grid;\n      grid-template-columns: 1fr 1fr;\n      gap: 14px 18px;\n    }\n\n    #liberttus-mortgage-simulator .field {\n      display: flex;\n      flex-direction: column;\n    }\n\n    #liberttus-mortgage-simulator label {\n      margin-bottom: 5px;\n      font-size: 0.9rem;\n      font-weight: 600;\n    }\n\n    #liberttus-mortgage-simulator .unit {\n      font-weight: 400;\n      color: #777;\n    }\n\n    #liberttus-mortgage-simulator input {\n      width: 100%;\n      min-height: 44px;\n      padding: 9px 11px;\n      border: 1px solid #ccc;\n      border-radius: 6px;\n      font-size: 16px;\n      background: #fff;\n    }\n\n    #liberttus-mortgage-simulator input:focus {\n      outline: none;\n      border-color: #555;\n      box-shadow: 0 0 0 2px rgba(0,0,0,0.08);\n    }\n\n    #liberttus-mortgage-simulator .note {\n      margin-top: 5px;\n      color: #777;\n      font-size: 0.78rem;\n    }\n\n    #liberttus-mortgage-simulator .button-area {\n      margin-top: 24px;\n      display: flex;\n      gap: 10px;\n      flex-wrap: wrap;\n    }\n\n    #liberttus-mortgage-simulator button {\n      min-height: 44px;\n      padding: 9px 18px;\n      border: 0;\n      border-radius: 6px;\n      background: #333;\n      color: #fff;\n      font-size: 15px;\n      cursor: pointer;\n    }\n\n    #liberttus-mortgage-simulator button.secondary {\n      background: #eee;\n      color: #333;\n    }\n\n    #liberttus-mortgage-simulator button:hover {\n      opacity: 0.88;\n    }\n\n    #liberttus-mortgage-simulator .result {\n      display: none;\n      margin-top: 28px;\n      padding-top: 22px;\n      border-top: 1px solid #ddd;\n    }\n\n    #liberttus-mortgage-simulator .result-grid {\n      display: grid;\n      grid-template-columns: 1fr 1fr;\n      gap: 12px;\n    }\n\n    #liberttus-mortgage-simulator .result-card {\n      padding: 14px;\n      border-radius: 8px;\n      background: #f7f7f7;\n    }\n\n    #liberttus-mortgage-simulator .result-label {\n      font-size: 0.82rem;\n      color: #666;\n    }\n\n    #liberttus-mortgage-simulator .result-value {\n      margin-top: 2px;\n      font-size: 1.2rem;\n      font-weight: 700;\n    }\n\n    #liberttus-mortgage-simulator .main-result {\n      margin: 18px 0;\n      padding: 18px;\n      border: 1px solid #ddd;\n      border-radius: 8px;\n      text-align: center;\n    }\n\n    #liberttus-mortgage-simulator .main-result .result-label {\n      font-size: 0.9rem;\n    }\n\n    #liberttus-mortgage-simulator .main-result .result-value {\n      margin-top: 4px;\n      font-size: 1.8rem;\n    }\n\n    #liberttus-mortgage-simulator .message {\n      margin-top: 16px;\n      padding: 14px;\n      background: #f7f7f7;\n      border-radius: 7px;\n      font-size: 0.9rem;\n    }\n\n    #liberttus-mortgage-simulator .warning {\n      margin-top: 16px;\n      padding: 14px;\n      border: 1px solid #ccc;\n      border-radius: 7px;\n      background: #fafafa;\n      font-size: 0.9rem;\n    }\n\n    #liberttus-mortgage-simulator .formula {\n      margin-top: 20px;\n      padding: 14px;\n      background: #f7f7f7;\n      border-radius: 7px;\n      font-size: 0.86rem;\n    }\n\n    #liberttus-mortgage-simulator .error {\n      display: none;\n      margin-top: 16px;\n      padding: 12px;\n      color: #8a1c1c;\n      background: #fff4f4;\n      border: 1px solid #e2bcbc;\n      border-radius: 6px;\n      font-size: 0.9rem;\n    }\n\n    @media (max-width: 600px) {\n      #liberttus-mortgage-simulator .sim-box {\n        padding: 18px;\n      }\n\n      #liberttus-mortgage-simulator .input-grid,\n      #liberttus-mortgage-simulator .result-grid {\n        grid-template-columns: 1fr;\n      }\n\n      #liberttus-mortgage-simulator h3 {\n        font-size: 1.2rem;\n      }\n    }\n  <\/style>\n\n  <div class=\"sim-box\">\n    <h3>\u4f4f\u5b85\u30ed\u30fc\u30f3\u30fb\u904b\u7528\u8cc7\u7523\u30b7\u30df\u30e5\u30ec\u30fc\u30bf\u30fc<\/h3>\n\n    <p class=\"lead\">\n      \u4f4f\u5b85\u30ed\u30fc\u30f3\u3068\u3001\u305d\u308c\u3068\u5bfe\u306b\u306a\u308b\u904b\u7528\u8cc7\u7523\u3092\u7f6e\u3044\u3066\u3001\n      \u30ed\u30fc\u30f3\u5b8c\u6e08\u6642\u70b9\u3067\u904b\u7528\u8cc7\u7523\u304c\u3044\u304f\u3089\u6b8b\u308b\u306e\u304b\u3092\u8a66\u7b97\u3057\u307e\u3059\u3002\n    <\/p>\n\n    <div class=\"section-title\">\u4f4f\u5b85\u30ed\u30fc\u30f3<\/div>\n\n    <div class=\"input-grid\">\n\n      <div class=\"field\">\n        <label for=\"lm-original\">\n          \u5f53\u521d\u306e\u501f\u5165\u984d <span class=\"unit\">\uff08\u4e07\u5186\uff09<\/span>\n        <\/label>\n        <input id=\"lm-original\"\n               type=\"number\"\n               min=\"0\"\n               step=\"10\"\n               value=\"3500\">\n      <\/div>\n\n      <div class=\"field\">\n        <label for=\"lm-original-rate\">\n          \u5f53\u521d\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u91d1\u5229 <span class=\"unit\">\uff08\uff05\uff09<\/span>\n        <\/label>\n        <input id=\"lm-original-rate\"\n               type=\"number\"\n               min=\"0\"\n               step=\"0.01\"\n               value=\"1.0\">\n      <\/div>\n\n      <div class=\"field\">\n        <label for=\"lm-term\">\n          \u8fd4\u6e08\u671f\u9593 <span class=\"unit\">\uff08\u5e74\uff09<\/span>\n        <\/label>\n        <input id=\"lm-term\"\n               type=\"number\"\n               min=\"1\"\n               max=\"50\"\n               step=\"1\"\n               value=\"35\">\n      <\/div>\n\n      <div class=\"field\">\n        <label for=\"lm-elapsed\">\n          \u501f\u5165\u304b\u3089\u306e\u7d4c\u904e\u5e74\u6570 <span class=\"unit\">\uff08\u5e74\uff09<\/span>\n        <\/label>\n        <input id=\"lm-elapsed\"\n               type=\"number\"\n               min=\"0\"\n               step=\"0.1\"\n               value=\"5\">\n      <\/div>\n\n      <div class=\"field\">\n        <label for=\"lm-current-rate\">\n          \u73fe\u5728\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u91d1\u5229 <span class=\"unit\">\uff08\uff05\uff09<\/span>\n        <\/label>\n        <input id=\"lm-current-rate\"\n               type=\"number\"\n               min=\"0\"\n               step=\"0.01\"\n               value=\"1.0\">\n\n        <div class=\"note\">\n          \u4eca\u5f8c\u3082\u3053\u306e\u91d1\u5229\u304c\u7d9a\u304f\u3082\u306e\u3068\u3057\u3066\u8a66\u7b97\u3057\u307e\u3059\n        <\/div>\n      <\/div>\n\n      <div class=\"field\">\n        <label for=\"lm-balance\">\n          \u73fe\u5728\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u6b8b\u9ad8 <span class=\"unit\">\uff08\u4e07\u5186\uff09<\/span>\n        <\/label>\n        <input id=\"lm-balance\"\n               type=\"number\"\n               min=\"0\"\n               step=\"10\"\n               value=\"3000\">\n\n        <div class=\"note\">\n          \u73fe\u5728\u306e\u6b8b\u9ad8\u3092\u76f4\u63a5\u5165\u529b\u3057\u307e\u3059\n        <\/div>\n      <\/div>\n\n    <\/div>\n\n    <div class=\"section-title\">\u5bfe\u306b\u3059\u308b\u904b\u7528\u8cc7\u7523<\/div>\n\n    <div class=\"input-grid\">\n\n      <div class=\"field\">\n        <label for=\"lm-assets\">\n          \u73fe\u5728\u306e\u904b\u7528\u8cc7\u7523 <span class=\"unit\">\uff08\u4e07\u5186\uff09<\/span>\n        <\/label>\n        <input id=\"lm-assets\"\n               type=\"number\"\n               min=\"0\"\n               step=\"10\"\n               value=\"2500\">\n      <\/div>\n\n      <div class=\"field\">\n        <label for=\"lm-return\">\n          \u60f3\u5b9a\u904b\u7528\u5229\u56de\u308a <span class=\"unit\">\uff08\uff05\u30fb\u5e74\u7387\uff09<\/span>\n        <\/label>\n        <input id=\"lm-return\"\n               type=\"number\"\n               min=\"-99\"\n               step=\"0.1\"\n               value=\"4.0\">\n\n        <div class=\"note\">\n          \u4e00\u5b9a\u306e\u5229\u56de\u308a\u3067\u904b\u7528\u3067\u304d\u308b\u3082\u306e\u3068\u3057\u3066\u8a66\u7b97\u3057\u307e\u3059\n        <\/div>\n      <\/div>\n\n    <\/div>\n\n    <div class=\"button-area\">\n      <button type=\"button\" id=\"lm-calculate\">\n        \u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\u3059\u308b\n      <\/button>\n\n      <button type=\"button\" id=\"lm-reset\" class=\"secondary\">\n        \u521d\u671f\u5024\u306b\u623b\u3059\n      <\/button>\n    <\/div>\n\n    <div id=\"lm-error\" class=\"error\"><\/div>\n\n    <div id=\"lm-result\" class=\"result\" aria-live=\"polite\">\n\n      <div class=\"section-title\">\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\u7d50\u679c<\/div>\n\n      <div class=\"result-grid\">\n\n        <div class=\"result-card\">\n          <div class=\"result-label\">\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u6b8b\u308a\u671f\u9593<\/div>\n          <div class=\"result-value\" id=\"lm-remaining-term\">&#8212;<\/div>\n        <\/div>\n\n        <div class=\"result-card\">\n          <div class=\"result-label\">\u73fe\u5728\u306e\u6bce\u6708\u306e\u5143\u91d1\u8fd4\u6e08\u984d<\/div>\n          <div class=\"result-value\" id=\"lm-principal-payment\">&#8212;<\/div>\n        <\/div>\n\n        <div class=\"result-card\">\n          <div class=\"result-label\">\u73fe\u5728\u306e\u6bce\u6708\u306e\u8fd4\u6e08\u984d<\/div>\n          <div class=\"result-value\" id=\"lm-payment\">&#8212;<\/div>\n        <\/div>\n\n        <div class=\"result-card\">\n          <div class=\"result-label\">\u73fe\u5728\u306e\u904b\u7528\u8cc7\u7523<\/div>\n          <div class=\"result-value\" id=\"lm-start-assets\">&#8212;<\/div>\n        <\/div>\n\n        <div class=\"result-card\">\n          <div class=\"result-label\">\u73fe\u5728\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u6b8b\u9ad8<\/div>\n          <div class=\"result-value\" id=\"lm-start-balance\">&#8212;<\/div>\n        <\/div>\n\n      <\/div>\n\n      <div class=\"main-result\">\n        <div class=\"result-label\">\n          \u4f4f\u5b85\u30ed\u30fc\u30f3\u5b8c\u6e08\u6642\u70b9\u3067\u6b8b\u308b\u904b\u7528\u8cc7\u7523\n        <\/div>\n\n        <div class=\"result-value\" id=\"lm-final-assets\">\n          &#8212;\n        <\/div>\n      <\/div>\n\n      <div class=\"message\" id=\"lm-message\"><\/div>\n\n      <div class=\"formula\">\n        <strong>\u8a08\u7b97\u306e\u8003\u3048\u65b9<\/strong><br>\n        \u5143\u91d1\u5747\u7b49\u8fd4\u6e08\u3092\u524d\u63d0\u3068\u3057\u3001\u6bce\u6708\u4e00\u5b9a\u984d\u306e\u5143\u91d1\u3092\u8fd4\u6e08\u3057\u307e\u3059\u3002\n        \u305d\u306e\u6708\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u6b8b\u9ad8\u306b\u5bfe\u3057\u3066\u5229\u606f\u3092\u8a08\u7b97\u3057\u3001\n        \u300c\u5143\u91d1\uff0b\u5229\u606f\u300d\u304c\u305d\u306e\u6708\u306e\u8fd4\u6e08\u984d\u3068\u306a\u308a\u307e\u3059\u3002\n        \u4e00\u65b9\u3001\u904b\u7528\u8cc7\u7523\u306b\u306f\u6bce\u6708\u306e\u904b\u7528\u53ce\u76ca\u3092\u52a0\u3048\u3001\n        \u305d\u3053\u304b\u3089\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u8fd4\u6e08\u984d\u3092\u5dee\u3057\u5f15\u3044\u3066\u3044\u304d\u307e\u3059\u3002\n      <\/div>\n\n      <div class=\"warning\">\n        <strong>\u3054\u6ce8\u610f<\/strong><br>\n        \u3053\u306e\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\u306f\u3001\u5143\u91d1\u5747\u7b49\u8fd4\u6e08\u3092\u524d\u63d0\u3068\u3057\u3001\n        \u5165\u529b\u3057\u305f\u4f4f\u5b85\u30ed\u30fc\u30f3\u91d1\u5229\u3068\u60f3\u5b9a\u904b\u7528\u5229\u56de\u308a\u304c\u4e00\u5b9a\u3067\u7d9a\u304f\u3082\u306e\u3068\u3057\u3066\n        \u8a08\u7b97\u3057\u305f\u8a66\u7b97\u3067\u3059\u3002\n        \u5b9f\u969b\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u91d1\u5229\u3084\u6295\u8cc7\u53ce\u76ca\u3001\u8fd4\u6e08\u984d\u3068\u306f\u7570\u306a\u308b\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002\n        \u307e\u305f\u3001\u5b9f\u969b\u306e\u6295\u8cc7\u3067\u306f\u4fa1\u683c\u5909\u52d5\u304c\u3042\u308b\u305f\u3081\u3001\n        \u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\u7d50\u679c\u3092\u5c06\u6765\u306e\u904b\u7528\u6210\u679c\u3068\u3057\u3066\u4fdd\u8a3c\u3059\u308b\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\n      <\/div>\n\n    <\/div>\n  <\/div>\n\n  <script>\n    (function () {\n      const root = document.getElementById(\n        \"liberttus-mortgage-simulator\"\n      );\n\n      if (!root || root.dataset.initialized === \"1\") {\n        return;\n      }\n\n      root.dataset.initialized = \"1\";\n\n      const $ = (id) => root.querySelector(\"#\" + id);\n\n      const initialValues = {\n        original: 3500,\n        originalRate: 1.0,\n        term: 35,\n        elapsed: 5,\n        currentRate: 1.0,\n        balance: 3000,\n        assets: 2500,\n        returnRate: 4.0\n      };\n\n      function getNumber(id) {\n        const value = parseFloat($(id).value);\n        return Number.isFinite(value) ? value : NaN;\n      }\n\n      function yen(value) {\n        return Math.round(value).toLocaleString(\"ja-JP\") + \"\u5186\";\n      }\n\n      function manYen(value) {\n        return Math.round(value \/ 10000)\n          .toLocaleString(\"ja-JP\") + \"\u4e07\u5186\";\n      }\n\n      function showError(message) {\n        $(\"lm-error\").textContent = message;\n        $(\"lm-error\").style.display = \"block\";\n        $(\"lm-result\").style.display = \"none\";\n      }\n\n      function clearError() {\n        $(\"lm-error\").style.display = \"none\";\n      }\n\n      function simulate() {\n\n        clearError();\n\n        const original = getNumber(\"lm-original\");\n        const originalRate = getNumber(\"lm-original-rate\");\n        const term = getNumber(\"lm-term\");\n        const elapsed = getNumber(\"lm-elapsed\");\n        const currentRate = getNumber(\"lm-current-rate\");\n        const balance = getNumber(\"lm-balance\");\n        const assetsMan = getNumber(\"lm-assets\");\n        const returnRate = getNumber(\"lm-return\");\n\n        if (\n          !Number.isFinite(original) ||\n          !Number.isFinite(originalRate) ||\n          !Number.isFinite(term) ||\n          !Number.isFinite(elapsed) ||\n          !Number.isFinite(currentRate) ||\n          !Number.isFinite(balance) ||\n          !Number.isFinite(assetsMan) ||\n          !Number.isFinite(returnRate)\n        ) {\n          showError(\"\u3059\u3079\u3066\u306e\u9805\u76ee\u306b\u6570\u5b57\u3092\u5165\u529b\u3057\u3066\u304f\u3060\u3055\u3044\u3002\");\n          return;\n        }\n\n        if (\n          original < 0 ||\n          balance < 0 ||\n          assetsMan < 0\n        ) {\n          showError(\n            \"\u501f\u5165\u984d\u30fb\u4f4f\u5b85\u30ed\u30fc\u30f3\u6b8b\u9ad8\u30fb\u904b\u7528\u8cc7\u7523\u306f0\u4ee5\u4e0a\u3067\u5165\u529b\u3057\u3066\u304f\u3060\u3055\u3044\u3002\"\n          );\n          return;\n        }\n\n        if (\n          term <= 0 ||\n          elapsed < 0 ||\n          elapsed >= term\n        ) {\n          showError(\n            \"\u8fd4\u6e08\u671f\u9593\u3068\u7d4c\u904e\u5e74\u6570\u306e\u95a2\u4fc2\u3092\u78ba\u8a8d\u3057\u3066\u304f\u3060\u3055\u3044\u3002\"\n          );\n          return;\n        }\n\n        if (\n          currentRate < 0 ||\n          returnRate <= -100\n        ) {\n          showError(\n            \"\u91d1\u5229\u30fb\u5229\u56de\u308a\u306e\u5165\u529b\u5024\u3092\u78ba\u8a8d\u3057\u3066\u304f\u3060\u3055\u3044\u3002\"\n          );\n          return;\n        }\n\n        const remainingYears = term - elapsed;\n\n        const remainingMonths =\n          Math.round(remainingYears * 12);\n\n        if (remainingMonths <= 0) {\n          showError(\n            \"\u6b8b\u308a\u306e\u8fd4\u6e08\u671f\u9593\u304c\u3042\u308a\u307e\u305b\u3093\u3002\"\n          );\n          return;\n        }\n\n        const balanceYen = balance * 10000;\n        let assetsYen = assetsMan * 10000;\n\n        \/*\n         * \u5143\u91d1\u5747\u7b49\u8fd4\u6e08\n         *\n         * \u6bce\u6708\u306e\u5143\u91d1\u8fd4\u6e08\u984d\u306f\u4e00\u5b9a\u3002\n         * \u73fe\u5728\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u6b8b\u9ad8\u3092\u6b8b\u308a\u8fd4\u6e08\u6708\u6570\u3067\u5272\u308b\u3002\n         *\/\n        const monthlyPrincipal =\n          balanceYen \/ remainingMonths;\n\n        const monthlyMortgageRate =\n          currentRate \/ 100 \/ 12;\n\n        \/*\n         * \u5e74\u7387\u306e\u60f3\u5b9a\u904b\u7528\u5229\u56de\u308a\u3092\u3001\n         * \u6708\u6b21\u306e\u8907\u5229\u5229\u56de\u308a\u306b\u5909\u63db\u3002\n         *\/\n        const monthlyReturnRate =\n          Math.pow(\n            1 + returnRate \/ 100,\n            1 \/ 12\n          ) - 1;\n\n        let mortgageBalance = balanceYen;\n\n        let depleted = false;\n        let depletionMonth = 0;\n\n        let firstMonthPayment = 0;\n\n        for (\n          let month = 1;\n          month <= remainingMonths;\n          month++\n        ) {\n\n          \/*\n           * \u305d\u306e\u6708\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u5229\u606f\u3002\n           * \u5143\u91d1\u5747\u7b49\u8fd4\u6e08\u306a\u306e\u3067\u3001\u6b8b\u9ad8\u304c\u6e1b\u308b\u306b\u3064\u308c\u3066\n           * \u5229\u606f\u3082\u5f90\u3005\u306b\u6e1b\u5c11\u3059\u308b\u3002\n           *\/\n          const interest =\n            mortgageBalance *\n            monthlyMortgageRate;\n\n          \/*\n           * \u6700\u7d42\u6708\u306a\u3069\u306e\u7aef\u6570\u3092\u8003\u616e\u3002\n           *\/\n          const principalRepayment =\n            Math.min(\n              monthlyPrincipal,\n              mortgageBalance\n            );\n\n          const mortgagePayment =\n            principalRepayment +\n            interest;\n\n          if (month === 1) {\n            firstMonthPayment =\n              mortgagePayment;\n          }\n\n          \/*\n           * \u904b\u7528\u8cc7\u7523\u306f\u3001\u307e\u305a\u904b\u7528\u53ce\u76ca\u3092\u5f97\u3066\u3001\n           * \u305d\u306e\u5f8c\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u8fd4\u6e08\u984d\u3092\u5dee\u3057\u5f15\u304f\u3002\n           *\/\n          const investmentReturn =\n            assetsYen *\n            monthlyReturnRate;\n\n          assetsYen += investmentReturn;\n          assetsYen -= mortgagePayment;\n\n          mortgageBalance -=\n            principalRepayment;\n\n          \/*\n           * \u904b\u7528\u8cc7\u7523\u304c\u5c3d\u304d\u305f\u5834\u5408\u3002\n           *\/\n          if (assetsYen <= 0) {\n            assetsYen = 0;\n            depleted = true;\n            depletionMonth = month;\n            break;\n          }\n\n          \/*\n           * \u6d6e\u52d5\u5c0f\u6570\u70b9\u8aa4\u5dee\u5bfe\u7b56\u3002\n           *\/\n          if (mortgageBalance < 0.01) {\n            mortgageBalance = 0;\n          }\n        }\n\n        $(\"lm-remaining-term\").textContent =\n          Math.floor(remainingMonths \/ 12) +\n          \"\u5e74\" +\n          (remainingMonths % 12) +\n          \"\u304b\u6708\";\n\n        $(\"lm-principal-payment\").textContent =\n          yen(monthlyPrincipal);\n\n        $(\"lm-payment\").textContent =\n          yen(firstMonthPayment);\n\n        $(\"lm-start-assets\").textContent =\n          manYen(assetsMan * 10000);\n\n        $(\"lm-start-balance\").textContent =\n          manYen(balanceYen);\n\n        $(\"lm-final-assets\").textContent =\n          yen(assetsYen);\n\n        const message =\n          $(\"lm-message\");\n\n        if (depleted) {\n\n          const years =\n            Math.floor(depletionMonth \/ 12);\n\n          const months =\n            depletionMonth % 12;\n\n          message.innerHTML =\n            \"\u3053\u306e\u6761\u4ef6\u3067\u306f\u3001\u904b\u7528\u8cc7\u7523\u306f\u4f4f\u5b85\u30ed\u30fc\u30f3\u5b8c\u6e08\u524d\u306b\u5e95\u3092\u3064\u304f\u8a66\u7b97\u306b\u306a\u308a\u307e\u3059\u3002<br>\" +\n            \"\u904b\u7528\u8cc7\u7523\u304c\u306a\u304f\u306a\u308b\u307e\u3067\u306e\u671f\u9593\u306f\u3001\u7d04\" +\n            years +\n            \"\u5e74\" +\n            months +\n            \"\u304b\u6708\u3067\u3059\u3002\";\n\n        } else {\n\n          const difference =\n            assetsYen -\n            assetsMan * 10000;\n\n          if (difference >= 0) {\n\n            message.innerHTML =\n              \"\u3053\u306e\u6761\u4ef6\u3067\u306f\u3001\u904b\u7528\u53ce\u76ca\u304c\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u8fd4\u6e08\u8ca0\u62c5\u3092\u4e0a\u56de\u308a\u3001\" +\n              \"\u4f4f\u5b85\u30ed\u30fc\u30f3\u5b8c\u6e08\u6642\u70b9\u3067\u3082\u904b\u7528\u8cc7\u7523\u304c\u6b8b\u308b\u8a66\u7b97\u3067\u3059\u3002<br>\" +\n              \"\u73fe\u5728\u306e\u904b\u7528\u8cc7\u7523\u304b\u3089\u306e\u5897\u52a0\u984d\u306f\u3001\u7d04\" +\n              yen(difference) +\n              \"\u3067\u3059\u3002\";\n\n          } else {\n\n            message.innerHTML =\n              \"\u3053\u306e\u6761\u4ef6\u3067\u306f\u3001\u904b\u7528\u53ce\u76ca\u3060\u3051\u3067\u306f\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u8fd4\u6e08\u8ca0\u62c5\u3092\u88dc\u3044\u304d\u308c\u305a\u3001\" +\n              \"\u904b\u7528\u8cc7\u7523\u3092\u53d6\u308a\u5d29\u3057\u306a\u304c\u3089\u8fd4\u6e08\u3059\u308b\u8a66\u7b97\u3067\u3059\u3002<br>\" +\n              \"\u73fe\u5728\u306e\u904b\u7528\u8cc7\u7523\u304b\u3089\u306e\u6e1b\u5c11\u984d\u306f\u3001\u7d04\" +\n              yen(Math.abs(difference)) +\n              \"\u3067\u3059\u3002\";\n          }\n        }\n\n        $(\"lm-result\").style.display =\n          \"block\";\n      }\n\n      function reset() {\n\n        $(\"lm-original\").value =\n          initialValues.original;\n\n        $(\"lm-original-rate\").value =\n          initialValues.originalRate;\n\n        $(\"lm-term\").value =\n          initialValues.term;\n\n        $(\"lm-elapsed\").value =\n          initialValues.elapsed;\n\n        $(\"lm-current-rate\").value =\n          initialValues.currentRate;\n\n        $(\"lm-balance\").value =\n          initialValues.balance;\n\n        $(\"lm-assets\").value =\n          initialValues.assets;\n\n        $(\"lm-return\").value =\n          initialValues.returnRate;\n\n        clearError();\n\n        $(\"lm-result\").style.display =\n          \"none\";\n      }\n\n      $(\"lm-calculate\").addEventListener(\n        \"click\",\n        simulate\n      );\n\n      $(\"lm-reset\").addEventListener(\n        \"click\",\n        reset\n      );\n\n      root.querySelectorAll(\"input\")\n        .forEach(function (input) {\n          input.addEventListener(\n            \"keydown\",\n            function (event) {\n              if (event.key === \"Enter\") {\n                event.preventDefault();\n                simulate();\n              }\n            }\n          );\n        });\n\n    })();\n  <\/script>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u3053\u306e\u8a18\u4e8b\u304c\u53c2\u8003\u306b\u306a\u308a\u307e\u3057\u305f\u3089\u3001\u30b7\u30a7\u30a2\u3057\u3066\u3044\u305f\u3060\u3051\u308b\u3068\u52b1\u307f\u306b\u306a\u308a\u307e\u3059\u3002<br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>#31\u3067\u7d39\u4ecb\u3057\u305f\u30b7\u30df\u30e5\u30ec\u30fc\u30bf\u30fc\u3092\u629c\u7c8b\u3057\u3066\u63b2\u8f09\u3057\u307e\u3059\u3002 \u4f4f\u5b85\u30ed\u30fc\u30f3\u30fb\u904b\u7528\u8cc7\u7523\u30b7\u30df\u30e5\u30ec\u30fc\u30bf\u30fc \u4f4f\u5b85\u30ed\u30fc\u30f3\u3068\u3001\u305d\u308c\u3068\u5bfe\u306b\u306a\u308b\u904b\u7528\u8cc7\u7523\u3092\u7f6e\u3044\u3066\u3001 \u30ed\u30fc\u30f3\u5b8c\u6e08\u6642\u70b9\u3067\u904b\u7528\u8cc7\u7523\u304c\u3044\u304f\u3089\u6b8b\u308b\u306e\u304b\u3092\u8a66\u7b97\u3057\u307e\u3059\u3002 \u4f4f\u5b85\u30ed\u30fc\u30f3 \u5f53\u521d\u306e\u501f\u5165\u984d  [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":653,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"sns_share_botton_hide":"","vkExUnit_sns_title":"","_vk_print_noindex":"","sitemap_hide":"","_veu_custom_css":"","veu_display_promotion_alert":"","vkexunit_cta_each_option":"","footnotes":""},"categories":[5],"tags":[],"class_list":["post-382","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-plan"],"veu_head_title_object":{"title":"","add_site_title":""},"_links":{"self":[{"href":"https:\/\/liberttus.jp\/index.php?rest_route=\/wp\/v2\/posts\/382","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/liberttus.jp\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/liberttus.jp\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/liberttus.jp\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/liberttus.jp\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=382"}],"version-history":[{"count":6,"href":"https:\/\/liberttus.jp\/index.php?rest_route=\/wp\/v2\/posts\/382\/revisions"}],"predecessor-version":[{"id":644,"href":"https:\/\/liberttus.jp\/index.php?rest_route=\/wp\/v2\/posts\/382\/revisions\/644"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/liberttus.jp\/index.php?rest_route=\/wp\/v2\/media\/653"}],"wp:attachment":[{"href":"https:\/\/liberttus.jp\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=382"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/liberttus.jp\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=382"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/liberttus.jp\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=382"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}