{"id":12182,"date":"2025-04-29T20:45:22","date_gmt":"2025-04-29T08:45:22","guid":{"rendered":"https:\/\/askmenz.com\/?p=12182"},"modified":"2026-07-09T18:29:26","modified_gmt":"2026-07-09T06:29:26","slug":"nz-term-deposit","status":"publish","type":"post","link":"https:\/\/askmenz.com\/en\/nz-term-deposit\/","title":{"rendered":"\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\u3092\u5fb9\u5e95\u89e3\u8aac\uff5c\u91d1\u5229\u6bd4\u8f03\u30fb\u6d3b\u7528\u6cd5\u30fb\u6ce8\u610f\u70b9\u307e\u3068\u3081"},"content":{"rendered":"<p><span style=\"color: #ffffff;\">XXX<\/span><\/p>\n<p>\u300c\u6295\u8cc7\u306f\u5c11\u3057\u4e0d\u5b89\u3060\u3051\u3069\u3001\u9810\u91d1\u3067\u5c11\u3057\u3067\u3082\u5897\u3084\u3057\u305f\u3044\u300d\u2028\u300c\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\u3063\u3066\u3001\u3069\u308c\u304f\u3089\u3044\u91d1\u5229\u304c\u3064\u304f\u306e\uff1f\u300d\u306a\u3069\u3001\u6c17\u306b\u306a\u3063\u3066\u3044\u307e\u305b\u3093\u304b\uff1f<\/p>\n<p>\u305d\u3093\u306a\u65b9\u306b\u304a\u3059\u3059\u3081\u306a\u306e\u304c\u3001\u4e16\u754c\u7684\u306b\u898b\u3066\u3082\u9ad8\u3081\u306e\u91d1\u5229\u304c\u7dad\u6301\u3055\u308c\u3066\u3044\u308b<strong>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\uff08Term Deposit\uff09<\/strong>\u3067\u3059\u3002<\/p>\n<p><span style=\"text-decoration: underline;\"><strong>\u300c\u5143\u672c\u4fdd\u8a3c\u300d\u304c\u3042\u308a\u306a\u304c\u3089\u3001\u65e5\u672c\u3088\u308a\u3082\u306f\u308b\u304b\u306b\u9ad8\u3044\u5229\u606f\u3092\u5f97\u3089\u308c\u308b\u74b0\u5883\u304c\u6574\u3063\u3066\u304a\u308a\u3001\u30ea\u30b9\u30af\u3092\u6291\u3048\u305f\u8cc7\u7523\u904b\u7528\u3092\u3057\u305f\u3044\u65b9\u306b\u7279\u306b\u3074\u3063\u305f\u308a\u306e\u9078\u629e\u80a2<\/strong><\/span>\u3067\u3059\u3002<\/p>\n<p>\u3053\u306e\u30da\u30fc\u30b8\u3067\u306f\u3001\u5b9a\u671f\u9810\u91d1\u306e\u57fa\u672c\u304b\u3089\u6d3b\u7528\u306e\u30b3\u30c4\u3001\u4e3b\u8981\u9280\u884c\u306e\u91d1\u5229\u6bd4\u8f03\u3084\u6ce8\u610f\u70b9\u307e\u3067\u3001\u5206\u304b\u308a\u3084\u3059\u304f\u89e3\u8aac\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<ol>\n<li><strong><a href=\"#1\">\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\u3068\u306f\uff1f\uff5c\u57fa\u672c\u306e\u4ed5\u7d44\u307f\u3068\u30e1\u30ea\u30c3\u30c8<\/a><\/strong><\/li>\n<li><strong><a href=\"#2\">\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\u306e\u91d1\u5229\uff5c\u4e3b\u8981\u9280\u884c4\u884c\u306e\u6bd4\u8f03<\/a><\/strong><\/li>\n<li><strong><a href=\"#3\">\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\u306e\u958b\u8a2d\uff5c\u5229\u7528\u65b9\u6cd5\u3084\u904b\u7528\u306e\u30dd\u30a4\u30f3\u30c8<\/a><\/strong><\/li>\n<li><strong><a href=\"#4\">\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\uff5c\u4e2d\u9014\u89e3\u7d04\u30fb\u30ea\u30b9\u30af\u30fb\u6ce8\u610f\u70b9<\/a><\/strong><\/li>\n<li><strong><a href=\"#5\">\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\uff5c\u7a0e\u91d1\u3068\u5b9f\u8cea\u5229\u56de\u308a\u306e\u8003\u3048\u65b9\u306e\u30dd\u30a4\u30f3\u30c8<\/a><\/strong><\/li>\n<li><strong><a href=\"#6\">\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\u306f\u3069\u3093\u306a\u4eba\u306b\u5411\u3044\u3066\u3044\u308b\uff1f\u6d3b\u7528\u4f8b\u3068\u8cc7\u7523\u8a2d\u8a08<\/a><\/strong><\/li>\n<\/ol>\n<p>\u6700\u5f8c\u307e\u3067\u8aad\u3081\u3070\u3001\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\u306e\u4ed5\u7d44\u307f\u304b\u3089\u3001\u300c\u3042\u306a\u305f\u306b\u5411\u3044\u3066\u3044\u308b\u304b\u3069\u3046\u304b\u300d\u3001\u300c\u3069\u306e\u3088\u3046\u306b\u6d3b\u7528\u3067\u304d\u308b\u306e\u304b\u300d\u307e\u3067\u304d\u3063\u3068\u5206\u304b\u308b\u3067\u3057\u3087\u3046\uff01<\/p>\n<p><!--more--><\/p>\n<h2>0. \u306f\u3058\u3081\u306b<\/h2>\n<p>\u5148\u306b\u7d50\u8ad6\u304b\u3089\u8a00\u3046\u3068\u3001<\/p>\n<p>\u65e5\u672c\u3068\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\u306e\u91d1\u5229\u306b\u306f\u3001\u304a\u304a\u3088\u305d<strong><span style=\"color: #ff0000; font-size: 18pt;\">\u300c10\u500d\u306e\u91d1\u5229\u5dee\u300d<\/span><\/strong>\u304c\u3042\u308a\u307e\u3059\u3002\uff082025\u5e744\u6708\u6642\u70b9\uff09<\/p>\n<h3>\u3010\u65e5\u672c\u3011\u5b9a\u671f\u9810\u91d1\u306e\u91d1\u5229<br \/>\n<span style=\"font-size: 10pt;\">\uff082025\u5e744\u6708\u6642\u70b9\uff09<\/span><\/h3>\n<p>\u3053\u306e\u5f8c\u3059\u3050\u7d39\u4ecb\u3059\u308b\u3001\u65e5\u672c\u306e\u4e3b\u306a\u91d1\u878d\u6a5f\u95a2\u306e\u5b9a\u671f\u9810\u91d1\u306e\u91d1\u5229\u4e00\u89a7\u304b\u3089\u5206\u304b\u308b\u3053\u3068\u306f\u4ee5\u4e0b\u306e\u901a\u308a\u3067\u3059\u3002<\/p>\n<ul>\n<li>\u57fa\u672c\u7684\u306b<span style=\"text-decoration: underline;\"><strong>\u5b9a\u671f\u9810\u91d1\u306e\u91d1\u5229\u306f\u3001\u300c\u5e740.2%\u301c0.4%\u300d<\/strong><\/span>\u7a0b\u5ea6<br \/>\n\uff08\u305f\u3060\u3057\u3001\u91d1\u878d\u6a5f\u95a2\u3084\u9810\u5165\u671f\u9593\u306b\u3088\u3063\u3066\u591a\u5c11\u306e\u5dee\u306f\u3042\u308a\uff09<\/li>\n<li>\u4f8b\u3048\u3070\u3001\u5927\u53e3\u5b9a\u671f\u9810\u91d1<span style=\"font-size: 10pt;\">(1000\u4e07\u5186\u4ee5\u4e0a)<\/span>\u30fb3\u5e74\u306e\u5834\u5408\uff1a<br \/>\n\u2192 \u6700\u3082\u9ad8\u3044\u91d1\u5229\u306f\u300c<strong>\u5e740.65%<\/strong>\u300d<\/li>\n<li>\u4f8b\u3048\u3070\u3001\u30b9\u30fc\u30d1\u30fc\u5b9a\u671f\u9810\u91d1<span style=\"font-size: 10pt;\">(300\u4e07\u5186\u672a\u6e80)<\/span>\u30fb6\u30f6\u6708\u306e\u5834\u5408\uff1a<br \/>\n\u2192 \u6700\u3082\u9ad8\u3044\u91d1\u5229\u306f\u300c<strong>\u5e740.50%<\/strong>\u300d<\/li>\n<\/ul>\n<p><span style=\"font-size: 10pt;\">\uff08\u203b\uff09\u306a\u304a\u3001\u65e5\u672c\u306e\u5b9a\u671f\u9810\u91d1\u306e\u91d1\u5229\u3092\u6bd4\u8f03\u3059\u308b\u306b\u3042\u305f\u3063\u3066\u306f\u300c\u65e5\u672c\u7d4c\u6e08\u65b0\u805e\u306e\u9810\u8caf\u91d1\u91d1\u5229\u4e00\u89a7\uff082025\u5e744\u670828\u65e5\u6642\u70b9\uff09\u300d\u3092\u53c2\u8003\u306b\u3057\u307e\u3057\u305f\u3002<\/span><\/p>\n<p><strong>\u5927\u53e3\u5b9a\u671f\u9810\u91d1(1000\u4e07\u5186\u4ee5\u4e0a)\u30fb3\u5e74\u306e\u5834\u5408<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-12190 size-medium\" src=\"https:\/\/askmenz.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-30-at-6.14.31\u202fpm-500x414.png\" alt=\"\u65e5\u672c - \u5b9a\u671f\u9810\u91d1\u306e\u91d1\u5229\u6bd4\u8f03\u8868\uff083\u5e74\uff09\" width=\"500\" height=\"414\" srcset=\"https:\/\/askmenz.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-30-at-6.14.31\u202fpm-500x414.png 500w, https:\/\/askmenz.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-30-at-6.14.31\u202fpm-700x580.png 700w, https:\/\/askmenz.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-30-at-6.14.31\u202fpm-300x248.png 300w, https:\/\/askmenz.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-30-at-6.14.31\u202fpm-768x636.png 768w, https:\/\/askmenz.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-30-at-6.14.31\u202fpm.png 1000w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/p>\n<p style=\"text-align: right;\"><span style=\"font-size: 8pt;\">\u51fa\u5178\uff1a<a href=\"https:\/\/www.nikkei.com\/markets\/kawase\/kinri\/\" target=\"_blank\" rel=\"noopener\">\u65e5\u672c\u7d4c\u6e08\u65b0\u805e<\/a><\/span><\/p>\n<p><strong>\u30b9\u30fc\u30d1\u30fc\u5b9a\u671f\u9810\u91d1(300\u4e07\u5186\u672a\u6e80)\u30fb6\u30f6\u6708\u306e\u5834\u5408<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-12191 size-medium\" src=\"https:\/\/askmenz.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-30-at-6.14.54\u202fpm-500x397.png\" alt=\"\u65e5\u672c - \u5b9a\u671f\u9810\u91d1\u306e\u91d1\u5229\u6bd4\u8f03\u8868\uff086\u30f6\u6708\uff09\" width=\"500\" height=\"397\" srcset=\"https:\/\/askmenz.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-30-at-6.14.54\u202fpm-500x397.png 500w, https:\/\/askmenz.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-30-at-6.14.54\u202fpm-700x555.png 700w, https:\/\/askmenz.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-30-at-6.14.54\u202fpm-300x238.png 300w, https:\/\/askmenz.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-30-at-6.14.54\u202fpm-768x609.png 768w, https:\/\/askmenz.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-30-at-6.14.54\u202fpm.png 1000w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/p>\n<p style=\"text-align: right;\"><span style=\"font-size: 8pt;\">\u51fa\u5178\uff1a<a href=\"https:\/\/www.nikkei.com\/markets\/kawase\/kinri\/\" target=\"_blank\" rel=\"noopener\">\u65e5\u672c\u7d4c\u6e08\u65b0\u805e<\/a><\/span><\/p>\n<h3>\u3010NZ\u3011\u5b9a\u671f\u9810\u91d1\u306e\u91d1\u5229<br \/>\n<span style=\"font-size: 10pt;\">\uff082025\u5e744\u6708\u6642\u70b9\uff09<\/span><\/h3>\n<p>\u3053\u306e\u5f8c\u3059\u3050\u7d39\u4ecb\u3059\u308b\u3001\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u4e3b\u89814\u9280\u884c\u3092\u542b\u3080\u5b9a\u671f\u9810\u91d1\u306e\u91d1\u5229\u4e00\u89a7\u304b\u3089\u5206\u304b\u308b\u3053\u3068\u306f\u4ee5\u4e0b\u306e3\u3064\u3067\u3059\u3002<\/p>\n<ul>\n<li><strong>1\u5e74\u4ee5\u5185\u306e\u77ed\u671f\u306e\u5834\u5408\u3067\u3082\u3001<span style=\"color: #ff0000; font-size: 18pt;\">\u300c<span style=\"font-size: 14pt;\">\u5e74<\/span>3\u301c4%\u300d\u304c\u5f53\u305f\u308a\u524d<\/span><\/strong><br \/>\n\u2192 \u4e3b\u89814\u9280\u884c\u306e\u4e2d\u3067\u306f\u3001\u6700\u9ad8\u306f4.5%<\/li>\n<li>1\u5e74\u4ee5\u5185\u306e\u77ed\u671f\u306e\u5834\u5408\u3067\u3082\u3001\u300c<strong>\u5e746%\u4ee5\u4e0a<\/strong>\u300d\u306e\u91d1\u878d\u6a5f\u95a2\u3082\u3042\u308a<\/li>\n<li>\u57fa\u672c\u7684\u306b<strong>\u6700\u4f4e\u9810\u5165\u984d\u306f0\u301cNZD10,000\uff08100\u4e07\u5186\u5f31\uff09<\/strong>\u3002<br \/>\n\u2192 \u65e5\u672c\u3068\u6bd4\u3079\u3066\u624b\u8efd\u306b\u59cb\u3081\u3089\u308c\u308b\u3002<\/li>\n<\/ul>\n<p style=\"text-align: right;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-12162 size-large\" src=\"https:\/\/askmenz.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-30-at-8.22.20%E2%80%AFam-700x767.png\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" srcset=\"https:\/\/askmenz.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-30-at-8.22.20\u202fam-700x767.png 700w, https:\/\/askmenz.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-30-at-8.22.20\u202fam-500x548.png 500w, https:\/\/askmenz.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-30-at-8.22.20\u202fam-300x329.png 300w, https:\/\/askmenz.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-30-at-8.22.20\u202fam-768x842.png 768w, https:\/\/askmenz.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-30-at-8.22.20\u202fam-1401x1536.png 1401w, https:\/\/askmenz.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-30-at-8.22.20\u202fam.png 1436w\" alt=\"\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9 - \u5b9a\u671f\u9810\u91d1\u306e\u91d1\u5229\u6bd4\u8f03\u8868\" width=\"700\" height=\"767\" \/><span style=\"font-size: 8pt;\">\u00a0\u51fa\u5178\uff1a<\/span><a href=\"https:\/\/www.depositrates.co.nz\/interest-rates\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-size: 8pt;\">Deposit Rates<\/span><\/a><\/p>\n<p>\u3053\u306e\u3088\u3046\u306b\u3001<span style=\"text-decoration: underline;\"><strong>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u3067\u306f\u65e5\u672c\u3088\u308a\u3082\u306f\u308b\u304b\u306b\u9ad8\u3044\u5229\u606f\u3092\u5f97\u3089\u308c\u308b\u74b0\u5883\u304c\u6574\u3063\u3066\u3044\u308b<\/strong><\/span>\u3068\u8a00\u3048\u307e\u3059\u3002<\/p>\n<h2 id=\"1\">1. \u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\u3068\u306f\uff1f\uff5c\u57fa\u672c\u306e\u4ed5\u7d44\u307f\u3068\u30e1\u30ea\u30c3\u30c8<\/h2>\n<p>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\uff08Term Deposit\uff09\u306f\u3001\u4e00\u5b9a\u671f\u9593\u3001\u9280\u884c\u306b\u8cc7\u91d1\u3092\u9810\u3051\u308b\u3053\u3068\u3067\u3001\u6c7a\u3081\u3089\u308c\u305f\u91d1\u5229\u3067\u5229\u606f\u3092\u53d7\u3051\u53d6\u308c\u308b\u9810\u91d1\u5546\u54c1\u3067\u3059\u3002<\/p>\n<p>\u65e5\u672c\u306b\u6bd4\u3079\u3066\u91d1\u5229\u304c\u9ad8\u304f\u3001\u30b7\u30f3\u30d7\u30eb\u3067\u30ea\u30b9\u30af\u304c\u5c11\u306a\u3044\u305f\u3081\u3001\u300c\u8cc7\u7523\u3092\u5b89\u5168\u306b\u5b88\u308a\u305f\u3044\u300d\u300c\u5c11\u3057\u3067\u3082\u5229\u606f\u3092\u5f97\u305f\u3044\u300d\u3068\u3044\u3046\u4eba\u306b\u3068\u3063\u3066\u7406\u60f3\u7684\u306a\u9078\u629e\u80a2\u306e\u3072\u3068\u3064\u3067\u3059\u3002<\/p>\n<p>\u3053\u306e\u7ae0\u3067\u306f\u3001\u5b9a\u671f\u9810\u91d1\u306e\u4ed5\u7d44\u307f\u3068\u305d\u306e\u9b45\u529b\u3092\u3001\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u72ec\u81ea\u306e\u74b0\u5883\u3068\u3042\u308f\u305b\u3066\u308f\u304b\u308a\u3084\u3059\u304f\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<h3>1-1. Term Deposit\u306e\u57fa\u672c\u69cb\u9020<\/h3>\n<p>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\u306e\u57fa\u672c\u306f\u4ee5\u4e0b\u306e\u3068\u304a\u308a\u3067\u3059\u3002<\/p>\n<ul>\n<li><strong>\u9810\u5165\u671f\u9593\uff1a<\/strong><br \/>\n\u901a\u5e381\u30f6\u6708\u301c5\u5e74\uff08\u9280\u884c\u3054\u3068\u306b\u67d4\u8edf\u306b\u9078\u629e\u53ef\u80fd\uff09<\/li>\n<li><strong>\u9810\u5165\u984d\uff1a<\/strong><br \/>\n\u6700\u4f4eNZD1,000\u301c\u304c\u4e00\u822c\u7684\uff08\u9280\u884c\u306b\u3088\u308a\u7570\u306a\u308b\uff09<\/li>\n<li><strong>\u91d1\u5229\uff08\u5229\u7387\uff09\uff1a<\/strong><br \/>\n\u9810\u5165\u671f\u95931\u5e74\u4ee5\u5185\u3067\u3001\u5e743\u301c4\uff05\u524d\u5f8c\uff082025\u5e74\u73fe\u5728\uff09<\/li>\n<li><strong>\u5229\u606f\u652f\u6255\u3044\uff1a<\/strong><br \/>\n\u6e80\u671f\u6642\u4e00\u62ec\u30fb\u534a\u5e74\u3054\u3068\u30fb\u6bce\u6708\u306a\u3069\u9078\u629e\u80a2\u3042\u308a<\/li>\n<li><strong>\u5143\u672c\u4fdd\u8a3c\uff1a<\/strong><br \/>\n\u9280\u884c\u306b\u9810\u3051\u308b\u305f\u3081\u3001\u57fa\u672c\u7684\u306b\u5143\u672c\u4fdd\u8a3c\u3042\u308a<\/li>\n<\/ul>\n<p>\u30b7\u30f3\u30d7\u30eb\u306a\u4ed5\u7d44\u307f\u3067\u5206\u304b\u308a\u3084\u3059\u304f\u3001\u300c\u9810\u3051\u305f\u91d1\u984d \u00d7 \u91d1\u5229 \u00d7 \u671f\u9593\u300d\u3067\u5229\u606f\u3082\u697d\u306b\u8a08\u7b97\u3067\u304d\u308b\u305f\u3081\u3001\u904b\u7528\u306e\u898b\u901a\u3057\u304c\u7acb\u3066\u3084\u3059\u3044\u306e\u3082\u9b45\u529b\u306e1\u3064\u3067\u3059\u3002<\/p>\n<h3>1-2. \u666e\u901a\u9810\u91d1\u3068\u306e\u9055\u3044\u306f\uff1f<\/h3>\n<p>\u5b9a\u671f\u9810\u91d1\u3068\u666e\u901a\u9810\u91d1\u306e\u4e3b\u306a\u9055\u3044\u3092\u6574\u7406\u3059\u308b\u3068\u3001\u4ee5\u4e0b\u306e\u3068\u304a\u308a\u3067\u3059\u3002<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 20%; background-color: #fafade; text-align: center;\"><strong>\u6bd4\u8f03\u9805\u76ee<\/strong><\/td>\n<td style=\"width: 40%; background-color: #fafade; text-align: center;\"><strong>\u5b9a\u671f\u9810\u91d1<br \/>\n\uff08Term Deposit\uff09<\/strong><\/td>\n<td style=\"width: 40%; background-color: #fafade; text-align: center;\"><strong>\u666e\u901a\u9810\u91d1<br \/>\n\uff08Everyday \/ Savings Account\uff09<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\">\u91d1\u5229<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">\u9ad8\u3044<br \/>\n\uff083\u301c\uff14\uff05\u7a0b\u5ea6\uff09<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">\u4f4e\u3044<br \/>\n\uff080.1\u301c2.5\uff05\u7a0b\u5ea6\uff09<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\">\u5f15\u304d\u51fa\u3057<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">\u6e80\u671f\u307e\u3067\u4e0d\u53ef<br \/>\n\uff08\u539f\u5247\uff09<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">\u3044\u3064\u3067\u3082\u53ef\u80fd<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\">\u7528\u9014<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">\u4e2d\u671f\u301c\u76ee\u7684\u5225\u8cc7\u91d1\u306e\u904b\u7528<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">\u65e5\u5e38\u306e\u652f\u6255\u3044\u3084\u751f\u6d3b\u8cc7\u91d1\u306e\u7ba1\u7406<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\">\u5b89\u5b9a\u6027<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">\u975e\u5e38\u306b\u9ad8\u3044<br \/>\n\uff08\u5143\u672c\u4fdd\u8a3c\uff09<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">\u540c\u3058\u304f\u9ad8\u3044<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u3064\u307e\u308a\u3001\u3059\u3050\u306b\u4f7f\u3046\u304a\u91d1\u306f\u666e\u901a\u9810\u91d1\u3001\u3057\u3070\u3089\u304f\u4f7f\u308f\u306a\u3044\u8cc7\u91d1\u306f\u5b9a\u671f\u9810\u91d1\u3068\u3044\u3046\u306e\u304c\u57fa\u672c\u7684\u306a\u4f7f\u3044\u5206\u3051\u3067\u3059\u3002<\/p>\n<h3>1-3. \u65e5\u672c\u3068\u6bd4\u3079\u305f\u969b\u306e\u9b45\u529b<\/h3>\n<p>\u65e5\u672c\u306e\u5b9a\u671f\u9810\u91d1\u306f\u3001\u5e740.2%\u301c0.4\uff05\u7a0b\u5ea6\u306e\u91d1\u5229\u304c\u4e00\u822c\u7684\u3067\u3001\u9810\u3051\u3066\u3082\u307b\u3068\u3093\u3069\u5229\u606f\u304c\u3064\u304b\u306a\u3044\u306e\u304c\u73fe\u5b9f\u3067\u3059\u3002<\/p>\n<p>\u4e00\u65b9\u3001\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u3067\u306f\u3001\u540c\u3058\u5b9a\u671f\u9810\u91d1\u3067\u30821\u5e74\u4ee5\u5185\u306e\u77ed\u671f\u3067\u3042\u3063\u3066\u3082\u300c\u5e744\uff05\u524d\u5f8c\u300d\u306e\u91d1\u5229\u304c\u73cd\u3057\u304f\u306a\u3044\u305f\u3081\u3001\u5229\u606f\u53ce\u5165\u304c\u306f\u3063\u304d\u308a\u3068\u5b9f\u611f\u3067\u304d\u307e\u3059\u3002<\/p>\n<p><strong>\u3010\u4f8b\u3011NZD 10,000\u30921\u5e74\u9593\u9810\u3051\u305f\u5834\u5408\uff1a<\/strong><\/p>\n<ul>\n<li>\u5e740.2\uff05\uff08\uff1d\u65e5\u672c\uff09\uff1a<br \/>\n\u2192 \u5229\u606f\u7d04NZD 20\uff08\u7a0e\u5f15\u524d\uff09<\/li>\n<li>\u5e744.0\uff05\uff08\uff1dNZ\uff09<br \/>\n\u2192 \u5229\u606f\u7d04NZD 400\uff08\u7a0e\u5f15\u524d\uff09<\/li>\n<\/ul>\n<p>\u3053\u306e\u91d1\u5229\u5dee\u3053\u305d\u304c\u3001NZ\u3067\u5b9a\u671f\u9810\u91d1\u3092\u6d3b\u7528\u3059\u308b\u5927\u304d\u306a\u30e1\u30ea\u30c3\u30c8\u3067\u3059\u3002<\/p>\n<h3>1\u7ae0\u306e\u307e\u3068\u3081<\/h3>\n<p>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\u306f\u3001\u9ad8\u91d1\u5229\u30fb\u5143\u672c\u4fdd\u8a3c\u30fb\u30b7\u30f3\u30d7\u30eb\u306a\u4ed5\u7d44\u307f\u3068\u3044\u30463\u3064\u306e\u5f37\u307f\u3092\u6301\u3064\u3001\u5b89\u5b9a\u5fd7\u5411\u306e\u8cc7\u7523\u7ba1\u7406\u624b\u6bb5\u3067\u3059\u3002<\/p>\n<ul>\n<li>\u4e00\u5b9a\u671f\u9593\u4f7f\u308f\u306a\u3044\u8cc7\u91d1\u3092\u9810\u3051\u308b\u3053\u3068\u3067\u3001\u78ba\u5b9f\u306a\u5229\u606f\u3092\u5f97\u3089\u308c\u308b<\/li>\n<li>\u666e\u901a\u9810\u91d1\u306b\u6bd4\u3079\u3066\u6570\u500d\u301c\u657010\u500d\u306e\u5229\u606f\u304c\u898b\u8fbc\u3081\u308b<\/li>\n<li>\u65e5\u672c\u3088\u308a\u5727\u5012\u7684\u306b\u91d1\u5229\u304c\u9ad8\u304f\u3001\u300c\u9810\u91d1\uff1d\u904b\u7528\u300d\u3068\u3057\u3066\u6a5f\u80fd\u3059\u308b<\/li>\n<\/ul>\n<p>\u6b21\u306e\u7ae0\u3067\u306f\u3001\u5b9f\u969b\u306b\u3069\u306e\u9280\u884c\u304c\u3069\u306e\u3088\u3046\u306a\u91d1\u5229\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u306e\u304b\u3001\u4e3b\u8981\u9280\u884c\u3084\u30aa\u30f3\u30e9\u30a4\u30f3\u30d0\u30f3\u30af\u306e\u5b9a\u671f\u9810\u91d1\u91d1\u5229\u306e\u6bd4\u8f03\u3092\u3054\u7d39\u4ecb\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<h2 id=\"2\">2. \u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\u306e\u91d1\u5229\uff5c\u4e3b\u8981\u9280\u884c4\u884c\u306e\u6bd4\u8f03<\/h2>\n<p>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u3067\u306f\u3001\u5927\u624b\u9280\u884c\u3092\u306f\u3058\u3081\u30aa\u30f3\u30e9\u30a4\u30f3\u30d0\u30f3\u30af\u3084\u4fe1\u7528\u7d44\u5408\u306a\u3069\u304c\u3001\u305d\u308c\u305e\u308c\u7570\u306a\u308b\u5b9a\u671f\u9810\u91d1\u5546\u54c1\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u91d1\u5229\u306f\u9810\u3051\u5165\u308c\u671f\u9593\u3084\u91d1\u984d\u3001\u30ad\u30e3\u30f3\u30da\u30fc\u30f3\u306a\u3069\u306b\u3088\u3063\u3066\u5dee\u304c\u3042\u308b\u305f\u3081\u3001\u76ee\u7684\u3084\u8cc7\u91d1\u8a08\u753b\u306b\u5408\u3063\u305f\u9078\u629e\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n<p>\u3053\u306e\u7ae0\u3067\u306f\u30012025\u5e74\u6642\u70b9\u306e\u6700\u65b0\u60c5\u5831\u3092\u3082\u3068\u306b\u3001\u4e3b\u306a\u91d1\u878d\u6a5f\u95a2\u306e\u5b9a\u671f\u9810\u91d1\u91d1\u5229\u3068\u7279\u5fb4\u3092\u6bd4\u8f03\u3057\u3066\u3054\u7d39\u4ecb\u3057\u307e\u3059\u3002<\/p>\n<h3>2-1. \u4e3b\u8981\u9280\u884c4\u884c\uff5c\u5b9a\u671f\u9810\u91d1\u306e\u91d1\u5229<\/h3>\n<p>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u4e3b\u8981\u9280\u884c4\u884c\u306e\u5b9a\u671f\u9810\u91d1\u306b\u95a2\u3057\u3066\u3001\u91d1\u5229\u3068\u6700\u4f4e\u9810\u5165\u984d\u3092\u307e\u3068\u3081\u308b\u3068\u4ee5\u4e0b\u306e\u901a\u308a\u3067\u3059\u3002\uff082025\u5e744\u670828\u65e5\u6642\u70b9\uff09<\/p>\n<p>\uff08\u203b\u5b9a\u671f\u91d1\u5229\u306f\u90fd\u5ea6\u898b\u76f4\u3055\u308c\u308b\u305f\u3081\u3001\u4ee5\u4e0b\u306f\u3042\u304f\u307e\u3067\u76ee\u5b89\u3067\u3059\uff09<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 20%; background-color: #fafade; text-align: center;\"><strong>\u9280\u884c\u540d<br \/>\n(\u6700\u4f4e\u9810\u5165\u984d)<\/strong><\/td>\n<td style=\"width: 20%; background-color: #fafade; text-align: center;\"><strong>6\u30f6\u6708\u5b9a\u671f<\/strong><\/td>\n<td style=\"width: 20%; background-color: #fafade; text-align: center;\"><strong>1\u5e74\u5b9a\u671f<\/strong><\/td>\n<td style=\"width: 20%; background-color: #fafade; text-align: center;\"><strong>2\u5e74\u5b9a\u671f<\/strong><\/td>\n<td style=\"width: 20%; background-color: #fafade; text-align: center;\"><strong>3\u5e74\u5b9a\u671f<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 20%; text-align: center;\"><a href=\"https:\/\/www.anz.co.nz\/rates-fees-agreements\/term-deposits\/\" target=\"_blank\" rel=\"noopener\"><strong>ANZ<\/strong><\/a><br \/>\n(NZD 10,000)<\/td>\n<td style=\"width: 20%; text-align: center;\">4.05\uff05<\/td>\n<td style=\"width: 20%; text-align: center;\">3.90\uff05<\/td>\n<td style=\"width: 10%; text-align: center;\">4.00%<\/td>\n<td style=\"width: 10%; text-align: center;\"><span class=\"contentFragment\" data-id=\"\/term-deposits-and-term-investments\/anz-term-deposits\/base-rate\/PTDNZ3Y2B\" data-field=\"ratevalue\" data-type=\"rate\">4.05<\/span>%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 20%; text-align: center;\"><a href=\"https:\/\/www.asb.co.nz\/term-investments\/term-deposit.html\" target=\"_blank\" rel=\"noopener\"><strong>ASB<\/strong><\/a><br \/>\n(NZD 5,000)<\/td>\n<td style=\"width: 20%; text-align: center;\">4.00\uff05<\/td>\n<td style=\"width: 20%; text-align: center;\">3.90\uff05<\/td>\n<td style=\"width: 10%; text-align: center;\">3.90%<\/td>\n<td style=\"width: 10%; text-align: center;\">4.05%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 20%; text-align: center;\"><a href=\"https:\/\/www.bnz.co.nz\/personal-banking\/investments\/term-deposits\" target=\"_blank\" rel=\"noopener\"><strong>BNZ<\/strong><\/a><br \/>\n(NZD 2,000)<\/td>\n<td style=\"width: 20%; text-align: center;\">4.00\uff05<\/td>\n<td style=\"width: 20%; text-align: center;\">4.00\uff05<\/td>\n<td style=\"width: 10%; text-align: center;\">4.00\uff05<\/td>\n<td style=\"width: 10%; text-align: center;\">4.05%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 20%; text-align: center;\"><a href=\"https:\/\/www.westpac.co.nz\/kiwisaver-investments\/term-deposits-pie-investments\/term-deposit\/\" target=\"_blank\" rel=\"noopener\"><strong>Westpac<\/strong><\/a><br \/>\n(NZD 5,000)<\/td>\n<td style=\"width: 20%; text-align: center;\">4.20\uff05<\/td>\n<td style=\"width: 20%; text-align: center;\">4.40\uff05<\/td>\n<td style=\"width: 10%; text-align: center;\">4.00\uff05<\/td>\n<td style=\"width: 10%; text-align: center;\">4.10%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>\u3010\u5171\u901a\u306e\u7279\u5fb4\u3011<\/strong><\/p>\n<ul>\n<li>\u9810\u3051\u5165\u308c\u671f\u9593\u304c\u9577\u304f\u306a\u308b\u307b\u3069\u91d1\u5229\u304c\u9ad8\u304f\u306a\u308b\u50be\u5411\uff08\u305f\u3060\u3057\u4f8b\u5916\u3082\u3042\u308a\uff09<\/li>\n<li>\u6e80\u671f\u6642\u306f\u300c\u518d\u6295\u8cc7\uff08\u81ea\u52d5\u66f4\u65b0\uff09\u300d\u307e\u305f\u306f\u300c\u5229\u606f\u30fb\u5143\u672c\u306e\u5f15\u304d\u51fa\u3057\u300d\u304c\u9078\u3079\u308b<\/li>\n<li>\u4e00\u90e8\u306e\u9280\u884c\u3067\u306f\u30aa\u30f3\u30e9\u30a4\u30f3\u7533\u3057\u8fbc\u307f\u9650\u5b9a\u3067\u91d1\u5229\u304c0.05\u301c0.10\uff05\u4e0a\u4e57\u305b\u3055\u308c\u308b\u3053\u3068\u3082<\/li>\n<\/ul>\n<h3>2-2. \u30aa\u30f3\u30e9\u30a4\u30f3\u30d0\u30f3\u30af\u3084\u4fe1\u7528\u7d44\u5408\u3082\u6ce8\u76ee<\/h3>\n<p>\u5927\u624b\u9280\u884c\u4ee5\u5916\u306b\u3082\u3001\u9ad8\u91d1\u5229\u3092\u63d0\u793a\u3059\u308b\u91d1\u878d\u6a5f\u95a2\u306f\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u7279\u306b\u30aa\u30f3\u30e9\u30a4\u30f3\u5c02\u7528\u30d0\u30f3\u30af\u3084\u4fe1\u7528\u7d44\u5408\u306f\u3001\u904b\u55b6\u30b3\u30b9\u30c8\u304c\u4f4e\u3044\u305f\u3081\u3001\u3088\u308a\u9ad8\u5229\u56de\u308a\u306e\u5b9a\u671f\u9810\u91d1\u5546\u54c1\u3092\u63d0\u4f9b\u3059\u308b\u50be\u5411\u306b\u3042\u308a\u307e\u3059\u3002<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 20%; background-color: #fafade; text-align: center;\"><strong>\u9280\u884c\u540d<\/strong><\/td>\n<td style=\"width: 20%; background-color: #fafade; text-align: center;\"><strong>6\u30f6\u6708\u5b9a\u671f<\/strong><\/td>\n<td style=\"width: 20%; background-color: #fafade; text-align: center;\"><strong>1\u5e74\u5b9a\u671f<\/strong><\/td>\n<td style=\"width: 20%; background-color: #fafade; text-align: center;\"><strong>2\u5e74\u5b9a\u671f<\/strong><\/td>\n<td style=\"width: 20%; background-color: #fafade; text-align: center;\"><strong>3\u5e74\u5b9a\u671f<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\"><a href=\"https:\/\/www.heartland.co.nz\/savings-and-deposits\/interest-rates\" target=\"_blank\" rel=\"noopener\"><strong>Heartland Bank<\/strong><\/a><br \/>\n(NZD 1,000)<\/td>\n<td style=\"width: 16.6667%; text-align: center;\">4.15%<\/td>\n<td style=\"width: 2.08333%; text-align: center;\">4.05\uff05<\/td>\n<td style=\"width: 2.08333%; text-align: center;\">4.10%<\/td>\n<td style=\"width: 20%; text-align: center;\">4.2%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\"><a href=\"https:\/\/www.sbsbank.co.nz\/rates\" target=\"_blank\" rel=\"noopener\"><strong>SBS Bank<\/strong><\/a><br \/>\n(NZD 1,000)<\/td>\n<td style=\"width: 16.6667%; text-align: center;\">4.00%<\/td>\n<td style=\"width: 2.08333%; text-align: center;\">4.00%<\/td>\n<td style=\"width: 2.08333%; text-align: center;\">4.00%<\/td>\n<td style=\"width: 20%; text-align: center;\">4.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\"><strong><a href=\"https:\/\/www.co-operativebank.co.nz\/investing\/term-deposit\" target=\"_blank\" rel=\"noopener\">The Co-operative Bank<\/a><\/strong><br \/>\n(NZD 5,000)<\/td>\n<td style=\"width: 16.6667%; text-align: center;\">4.05%<\/td>\n<td style=\"width: 2.08333%; text-align: center;\">\u7d043.85\uff05<\/td>\n<td style=\"width: 2.08333%; text-align: center;\">4.00%<\/td>\n<td style=\"width: 20%; text-align: center;\">4.10%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u4e0a\u306e\u8868\u304b\u3089\u3082\u5206\u304b\u308b\u3068\u304a\u308a\u3001\u300c\u5c11\u984d\u304b\u3089\u9ad8\u91d1\u5229\u3067\u904b\u7528\u3057\u305f\u3044\u300d\u300c\u5730\u65b9\u9280\u884c\u3092\u5fdc\u63f4\u3057\u305f\u3044\u300d\u3068\u3044\u3046\u65b9\u306b\u306f\u7279\u306b\u3001\u305c\u3072\u4e00\u5ea6\u30c1\u30a7\u30c3\u30af\u3057\u3066\u307f\u308b\u306e\u3082\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<h3>2-3. \u9810\u3051\u5165\u308c\u671f\u9593\u5225\u306e\u6226\u7565<\/h3>\n<p>\u5b9a\u671f\u9810\u91d1\u306e\u91d1\u5229\u306f\u300c\u9810\u3051\u308b\u671f\u9593\u300d\u306b\u3088\u3063\u3066\u3082\u7570\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u9577\u304f\u9810\u3051\u308b\u3068\u91d1\u5229\u304c\u9ad8\u304f\u306a\u308b\u50be\u5411\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u91d1\u5229\u304c\u4e0b\u304c\u308b\u5c40\u9762\u3067\u306f\u77ed\u671f\u3067\u904b\u7528\u3057\u76f4\u3059\u9078\u629e\u80a2\u3082\u6709\u52b9\u3067\u3059\u3002<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 50%; background-color: #fafade; text-align: center;\"><strong>\u671f\u9593<\/strong><\/td>\n<td style=\"width: 50%; background-color: #fafade; text-align: center;\"><strong>\u304a\u3059\u3059\u3081\u306e\u4f7f\u3044\u65b9<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">3\u301c6\u304b\u6708<\/td>\n<td style=\"width: 50%;\">\u91d1\u5229\u304c\u4e0a\u304c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3068\u304d\u306e\u3064\u306a\u304e\u8cc7\u91d1\u306b<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">12\u304b\u6708<\/td>\n<td style=\"width: 50%;\">\u30d0\u30e9\u30f3\u30b9\u91cd\u8996\u3067\u6700\u3082\u4eba\u6c17\u306e\u3042\u308b\u671f\u9593<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">24\u304b\u6708\u4ee5\u4e0a<\/td>\n<td style=\"width: 50%;\">\u91d1\u5229\u304c\u9ad8\u3044\u6c34\u6e96\u3067\u56fa\u5b9a\u3055\u308c\u3066\u3044\u308b\u6642\u306b\u6709\u52b9\uff08\u305f\u3060\u3057\u6d41\u52d5\u6027\u6ce8\u610f\uff09<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u203b \u9810\u3051\u308b\u671f\u9593\u306b\u3064\u3044\u3066\u8ff7\u3046\u5834\u5408\u306f\u7279\u306b\u3001\u8907\u6570\u671f\u9593\u306b\u5206\u3051\u3066\u9810\u3051\u308b\u300c\u30e9\u30c0\u30fc\u6226\u7565\u300d\u3082\u6709\u52b9\u3067\u3059\u3002<\/p>\n<h3>2\u7ae0\u306e\u307e\u3068\u3081<\/h3>\n<p>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u3067\u306f\u3001\u9280\u884c\u3084\u5546\u54c1\u306b\u3088\u3063\u3066\u5b9a\u671f\u9810\u91d1\u306e\u91d1\u5229\u304c\u7570\u306a\u308b\u305f\u3081\u3001\u6700\u65b0\u60c5\u5831\u3092\u3082\u3068\u306b\u6bd4\u8f03\u30fb\u691c\u8a0e\u3059\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n<ul>\n<li>\u4e3b\u8981\u9280\u884c\u3067\u306f\u30016\u301c12\u304b\u6708\u3067\u5e745.00\u301c5.20\uff05\u524d\u5f8c\u306e\u91d1\u5229\u304c\u4e00\u822c\u7684<br \/>\n<span style=\"color: #ffffff;\">XXX<\/span><\/li>\n<li>\u30aa\u30f3\u30e9\u30a4\u30f3\u9280\u884c\u3084\u4fe1\u7528\u7d44\u5408\u306f\u30015.30\uff05\u4ee5\u4e0a\u306e\u91d1\u5229\u3092\u63d0\u793a\u3057\u3066\u3044\u308b\u5834\u5408\u3082\u3042\u308a\u6ce8\u76ee<br \/>\n<span style=\"color: #ffffff;\">XXX<\/span><\/li>\n<li>\u9810\u3051\u5165\u308c\u671f\u9593\u3084\u91d1\u984d\u3001\u30ad\u30e3\u30f3\u30da\u30fc\u30f3\u306b\u3088\u3063\u3066\u5229\u56de\u308a\u304c\u5909\u52d5\u3059\u308b\u305f\u3081\u3001\u67d4\u8edf\u306a\u7d44\u307f\u5408\u308f\u305b\u304c\u52b9\u679c\u7684<\/li>\n<\/ul>\n<p>\u6b21\u306e\u7ae0\u3067\u306f\u3001\u5b9f\u969b\u306b\u5b9a\u671f\u9810\u91d1\u3092\u59cb\u3081\u308b\u969b\u306e\u6d41\u308c\u3084\u7533\u3057\u8fbc\u307f\u624b\u7d9a\u304d\u3001\u6e80\u671f\u5f8c\u306e\u5bfe\u5fdc\u65b9\u6cd5\u306a\u3069\u5b9f\u8df5\u7684\u306a\u60c5\u5831\u3092\u8a73\u3057\u304f\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<h2 id=\"3\">3. \u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\u306e\u958b\u8a2d\uff5c\u5229\u7528\u65b9\u6cd5\u3084\u904b\u7528\u306e\u30dd\u30a4\u30f3\u30c8<\/h2>\n<p>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u3067\u5b9a\u671f\u9810\u91d1\u3092\u59cb\u3081\u308b\u306e\u306f\u3068\u3066\u3082\u30b7\u30f3\u30d7\u30eb\u3067\u3001\u3059\u3067\u306b\u9280\u884c\u53e3\u5ea7\u3092\u6301\u3063\u3066\u3044\u308b\u4eba\u3067\u3042\u308c\u3070\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u6570\u5206\u3067\u7533\u3057\u8fbc\u307f\u304c\u5b8c\u4e86\u3059\u308b\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u7ae0\u3067\u306f\u3001\u5b9a\u671f\u9810\u91d1\u306e\u59cb\u3081\u65b9\u304b\u3089\u3001\u6e80\u671f\u5f8c\u306e\u5bfe\u5fdc\u65b9\u6cd5\u307e\u3067\u3001\u30b9\u30c6\u30c3\u30d7\u3054\u3068\u306b\u308f\u304b\u308a\u3084\u3059\u304f\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<h3>3-1. \u5b9a\u671f\u9810\u91d1\u306e\u958b\u8a2d\u30b9\u30c6\u30c3\u30d7<\/h3>\n<h4>\u30b9\u30c6\u30c3\u30d71\uff1a<br \/>\n\u9280\u884c\u53e3\u5ea7\u3092\u7528\u610f\u3059\u308b<\/h4>\n<p>\u307b\u3068\u3093\u3069\u306e\u9280\u884c\u3067\u306f\u3001\u540c\u3058\u9280\u884c\u5185\u306e\u666e\u901a\u9810\u91d1\u53e3\u5ea7\u304b\u3089\u8cc7\u91d1\u3092\u79fb\u52d5\u3059\u308b\u5f62\u5f0f\u3067\u5b9a\u671f\u9810\u91d1\u3092\u958b\u8a2d\u3057\u307e\u3059\u3002<\/p>\n<p>\u307e\u3060\u305d\u306e\u9280\u884c\u306b\u53e3\u5ea7\u3092\u6301\u3063\u3066\u3044\u306a\u3044\u5834\u5408\u306f\u3001\u307e\u305a\u306f\u666e\u901a\u9810\u91d1\u53e3\u5ea7\uff08Everyday Account \/ Savings Account\uff09\u3092\u958b\u8a2d\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<h4>\u30b9\u30c6\u30c3\u30d72\uff1a<br \/>\n\u30aa\u30f3\u30e9\u30a4\u30f3\u30d0\u30f3\u30ad\u30f3\u30b0\u307e\u305f\u306f\u652f\u5e97\u3067\u7533\u8fbc<\/h4>\n<ul>\n<li>\u30aa\u30f3\u30e9\u30a4\u30f3\u7533\u8fbc\uff1a\u307b\u3068\u3093\u3069\u306e\u9280\u884c\u3067\u5bfe\u5fdc\uff08Web\u307e\u305f\u306f\u30a2\u30d7\u30ea\uff09<\/li>\n<li>\u5e97\u8217\u7533\u8fbc\uff1a\u30b5\u30dd\u30fc\u30c8\u304c\u5fc5\u8981\u306a\u4eba\u3084\u8907\u96d1\u306a\u8981\u671b\u304c\u3042\u308b\u5834\u5408\u306b\u4fbf\u5229<\/li>\n<\/ul>\n<h4>\u30b9\u30c6\u30c3\u30d73\uff1a<br \/>\n\u9810\u5165\u671f\u9593\u30fb\u91d1\u984d\u30fb\u5229\u606f\u306e\u53d7\u3051\u53d6\u308a\u65b9\u6cd5\u3092\u9078\u629e<\/h4>\n<ul>\n<li>\u671f\u9593\uff1a1\u304b\u6708\u301c5\u5e74\uff08\u9280\u884c\u306b\u3088\u308a\u9078\u629e\u80a2\u304c\u7570\u306a\u308b\uff09<\/li>\n<li>\u91d1\u984d\uff1a\u6700\u4f4e1,000NZD\u301c\uff08\u9280\u884c\u306b\u3088\u308a\u7570\u306a\u308b\uff09<\/li>\n<li>\u5229\u606f\u306e\u53d7\u3051\u53d6\u308a\u65b9\uff1a\u6e80\u671f\u6642\uff0f\u534a\u5e74\u3054\u3068\uff0f\u6bce\u6708 \u306a\u3069\u304b\u3089\u9078\u629e\u53ef\u80fd<\/li>\n<\/ul>\n<h4>\u30b9\u30c6\u30c3\u30d74\uff1a<br \/>\n\u78ba\u8a8d\u30fb\u5951\u7d04<\/h4>\n<p>\u5185\u5bb9\u3092\u78ba\u8a8d\u3057\u3001\u5951\u7d04\u3092\u5b8c\u4e86\u3002\u901a\u5e38\u306f\u305d\u306e\u5834\u3067\u5951\u7d04\u66f8\u304c\u767a\u884c\u3055\u308c\u3001\u30e1\u30fc\u30eb\u306a\u3069\u3067\u53d7\u3051\u53d6\u308b\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u3002<\/p>\n<h3>3-2. \u5229\u606f\u306e\u53d7\u3051\u53d6\u308a\u65b9\u6cd5\u3068\u518d\u6295\u8cc7\u306e\u9078\u629e\u80a2<\/h3>\n<p>\u5b9a\u671f\u9810\u91d1\u3067\u306f\u3001\u5229\u606f\u306e\u53d7\u3051\u53d6\u308a\u65b9\u6cd5\u3092\u81ea\u5206\u3067\u9078\u3079\u308b\u306e\u304c\u7279\u5fb4\u3067\u3059\u3002\u76ee\u7684\u306b\u5408\u308f\u305b\u3066\u4ee5\u4e0b\u306e\u65b9\u6cd5\u304c\u8003\u3048\u3089\u308c\u307e\u3059\u3002<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 33.3333%; background-color: #fafade; text-align: center;\"><strong><span style=\"font-size: 16px;\">\u65b9\u6cd5<\/span><\/strong><\/td>\n<td style=\"width: 33.3333%; background-color: #fafade; text-align: center;\"><strong><span style=\"font-size: 16px;\">\u7279\u5fb4<\/span><\/strong><\/td>\n<td style=\"width: 33.3333%; background-color: #fafade; text-align: center;\"><strong><span style=\"font-size: 16px;\">\u5411\u3044\u3066\u3044\u308b\u4eba<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\"><span style=\"font-size: 16px;\">\u6e80\u671f\u6642\u4e00\u62ec<\/span><\/td>\n<td style=\"width: 33.3333%;\"><span style=\"font-size: 16px;\">\u5229\u606f\u3068\u5143\u672c\u3092\u307e\u3068\u3081\u3066\u53d7\u3051\u53d6\u308b<\/span><\/td>\n<td style=\"width: 33.3333%;\"><span style=\"font-size: 16px;\">\u30b7\u30f3\u30d7\u30eb\u306b\u904b\u7528\u3057\u305f\u3044\u4eba<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\">\u6bce\u6708\u53d7\u53d6<\/td>\n<td style=\"width: 33.3333%;\">\u6bce\u6708\u5229\u606f\u3060\u3051\u53d7\u3051\u53d6\u308c\u308b<\/td>\n<td style=\"width: 33.3333%;\">\u751f\u6d3b\u8cbb\u306b\u5145\u3066\u305f\u3044\u4eba<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\">\u534a\u5e74\u3054\u3068<\/td>\n<td style=\"width: 33.3333%;\">\u5b9a\u671f\u7684\u306b\u5229\u606f\u3092\u5f97\u308b\u4e2d\u9593\u578b<\/td>\n<td style=\"width: 33.3333%;\">\u4e2d\u671f\u904b\u7528\uff0b\u5f15\u304d\u51fa\u3057\u691c\u8a0e\u4e2d\u306e\u4eba<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u307e\u305f\u3001\u6e80\u671f\u5230\u6765\u6642\u306b\u306f\u6b21\u306e\u3044\u305a\u308c\u304b\u3092\u9078\u629e\u3057\u307e\u3059\u3002<\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>\u518d\u6295\u8cc7\uff08\u81ea\u52d5\u66f4\u65b0\uff09\uff1a<\/strong><\/span><br \/>\n\u540c\u3058\u671f\u9593\u3067\u518d\u3073\u9810\u3051\u76f4\u3059\uff08\u591a\u304f\u306e\u9280\u884c\u3067\u306f\u30c7\u30d5\u30a9\u30eb\u30c8\u8a2d\u5b9a\uff09<\/li>\n<li><span style=\"text-decoration: underline;\"><strong>\u5143\u672c\uff0b\u5229\u606f\u306e\u5f15\u304d\u51fa\u3057\uff1a<\/strong><\/span><br \/>\n\u8cc7\u91d1\u3092\u666e\u901a\u9810\u91d1\u53e3\u5ea7\u306b\u623b\u3059\uff0f\u5225\u306e\u904b\u7528\u3078\u56de\u3059<\/li>\n<li><span style=\"text-decoration: underline;\"><strong>\u4e00\u90e8\u5f15\u304d\u51fa\u3057\uff0b\u4e00\u90e8\u518d\u6295\u8cc7\uff1a<\/strong><\/span><br \/>\n\u67d4\u8edf\u306a\u8cc7\u91d1\u8a2d\u8a08\u304c\u53ef\u80fd<\/li>\n<\/ul>\n<p>\u203b\u81ea\u52d5\u66f4\u65b0\u306e\u969b\u306f\u3001\u65b0\u3057\u3044\u91d1\u5229\u304c\u9069\u7528\u3055\u308c\u307e\u3059\u306e\u3067\u3001\u6e80\u671f\u524d\u306b\u901a\u77e5\u3092\u78ba\u8a8d\u3057\u3066\u304a\u304f\u3053\u3068\u304c\u5927\u5207\u3067\u3059\u3002<\/p>\n<h3>3-3. \u7ba1\u7406\u3068\u898b\u76f4\u3057\u306e\u30dd\u30a4\u30f3\u30c8<\/h3>\n<ul>\n<li>\u6e80\u671f\u524d\u306b\u901a\u77e5\u30e1\u30fc\u30eb\u3084\u90f5\u4fbf\u304c\u5c4a\u304f\uff1a\u898b\u843d\u3068\u3055\u306a\u3044\u3088\u3046\u306b\u6ce8\u610f<\/li>\n<li>\u91d1\u5229\u304c\u5927\u304d\u304f\u5909\u52d5\u3057\u3066\u3044\u308b\u5834\u5408\uff1a\u6e80\u671f\u3054\u3068\u306b\u6bd4\u8f03\u30fb\u4e57\u308a\u63db\u3048\u3092\u691c\u8a0e<\/li>\n<li>\u8907\u6570\u306e\u5b9a\u671f\u3092\u7d44\u3080\u300c\u30e9\u30c0\u30fc\u6226\u7565\u300d\uff1a\u671f\u9593\u3092\u305a\u3089\u3057\u3066\u904b\u7528\u3057\u3001\u5b9a\u671f\u7684\u306a\u6d41\u52d5\u6027\u3092\u78ba\u4fdd\u3059\u308b\u65b9\u6cd5<\/li>\n<\/ul>\n<p>\u4ee5\u4e0b\u306f\u30e9\u30c0\u30fc\u6226\u7565\u306e\u4e00\u4f8b\u3068\u3057\u3066\u3001\u9810\u3051\u5165\u308c\u308b\u5e74\u306f\u540c\u3058\u3067\u3059\u304c\u3001\u9810\u5165\u671f\u9593\u30921\u5e74\u30682\u5e74\u306b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 25%; text-align: center; background-color: #fafade;\"><strong><span style=\"font-size: 16px;\">\u9810\u3051\u5165\u308c\u5e74<\/span><\/strong><\/td>\n<td style=\"width: 25%; text-align: center; background-color: #fafade;\"><strong>\u9810\u5165\u671f\u9593<\/strong><\/td>\n<td style=\"width: 25%; text-align: center; background-color: #fafade;\"><strong>\u6e80\u671f\u5e74<\/strong><\/td>\n<td style=\"width: 25%; text-align: center; background-color: #fafade;\"><strong>\u5099\u8003<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 25%; text-align: center;\">2025\u5e74<\/td>\n<td style=\"width: 25%; text-align: center;\">1\u5e74<\/td>\n<td style=\"width: 25%; text-align: center;\">2026\u5e74<\/td>\n<td style=\"width: 25%; text-align: center;\">\u534a\u5206\u306e\u307f\u66f4\u65b0\u3057\u3001\u534a\u5206\u306f\u904b\u7528\u5909\u66f4<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 25%; text-align: center;\">2025\u5e74<\/td>\n<td style=\"width: 25%; text-align: center;\">2\u5e74<\/td>\n<td style=\"width: 25%; text-align: center;\">2027\u5e74<\/td>\n<td style=\"width: 25%; text-align: center;\">\u9577\u671f\u5206\u6563\u3068\u3057\u3066\u904b\u7528\u7d99\u7d9a<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>3\u7ae0\u306e\u307e\u3068\u3081<\/h3>\n<p>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u3067\u306e\u5b9a\u671f\u9810\u91d1\u306f\u3001\u30b7\u30f3\u30d7\u30eb\u306a\u624b\u7d9a\u304d\u3068\u81ea\u7531\u306a\u8a2d\u5b9a\u3082\u9b45\u529b\u3067\u3059\u3002<\/p>\n<ul>\n<li>\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u3082\u652f\u5e97\u3067\u3082\u958b\u8a2d\u53ef\u80fd\u3002\u9810\u5165\u984d\u30fb\u671f\u9593\u30fb\u5229\u606f\u53d7\u53d6\u65b9\u6cd5\u3092\u81ea\u7531\u306b\u8a2d\u5b9a<\/li>\n<li>\u6e80\u671f\u6642\u306b\u306f\u300c\u518d\u6295\u8cc7\u30fb\u5f15\u304d\u51fa\u3057\u30fb\u4e00\u90e8\u5f15\u304d\u51fa\u3057\u300d\u306a\u3069\u67d4\u8edf\u306a\u9078\u629e\u304c\u53ef\u80fd<\/li>\n<li>\u30e9\u30c0\u30fc\u6226\u7565\u3084\u5229\u606f\u5206\u914d\u8a2d\u5b9a\u3067\u3001\u751f\u6d3b\u30b9\u30bf\u30a4\u30eb\u306b\u5408\u308f\u305b\u305f\u8cc7\u91d1\u7ba1\u7406\u304c\u3067\u304d\u308b<\/li>\n<\/ul>\n<p>\u6b21\u306e\u7ae0\u3067\u306f\u3001\u3053\u3046\u3057\u305f\u5b9a\u671f\u9810\u91d1\u306e\u904b\u7528\u306b\u304a\u3044\u3066\u6c17\u3092\u3064\u3051\u308b\u3079\u304d\u4e2d\u9014\u89e3\u7d04\u6642\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u3084\u3001\u30a4\u30f3\u30d5\u30ec\u3068\u306e\u4ed8\u304d\u5408\u3044\u65b9\u3001\u30ea\u30b9\u30af\u7ba1\u7406\u306e\u6ce8\u610f\u70b9\u3092\u8a73\u3057\u304f\u89e3\u8aac\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<h2 id=\"4\">4. \u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\uff5c\u4e2d\u9014\u89e3\u7d04\u30fb\u30ea\u30b9\u30af\u30fb\u6ce8\u610f\u70b9<\/h2>\n<p>\u5b9a\u671f\u9810\u91d1\u306f\u300c\u6e80\u671f\u307e\u3067\u9810\u3051\u308b\u300d\u3053\u3068\u3092\u524d\u63d0\u3068\u3057\u305f\u5546\u54c1\u3067\u3059\u304c\u3001\u3084\u3080\u3092\u5f97\u305a\u9014\u4e2d\u3067\u89e3\u7d04\u3057\u305f\u3044\u5834\u5408\u3082\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<p>\u3053\u306e\u7ae0\u3067\u306f\u3001\u4e2d\u9014\u89e3\u7d04\u6642\u306e\u30eb\u30fc\u30eb\u3084\u30da\u30ca\u30eb\u30c6\u30a3\u3001\u30ea\u30b9\u30af\u9762\u3067\u6ce8\u610f\u3059\u3079\u304d\u30dd\u30a4\u30f3\u30c8\u3092\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<h3>4-1. \u4e2d\u9014\u89e3\u7d04\u306f\u3067\u304d\u308b\uff1f\u305d\u306e\u969b\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u3068\u306f<\/h3>\n<p>\u57fa\u672c\u7684\u306b\u3001\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\u306f\u6e80\u671f\u524d\u306e\u89e3\u7d04\u306f\u539f\u5247\u4e0d\u53ef\u3001\u3082\u3057\u304f\u306f\u53b3\u3057\u3044\u6761\u4ef6\u4ed8\u304d\u3067\u306e\u307f\u53ef\u80fd\u3068\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u89e3\u7d04\u3067\u304d\u308b\u5834\u5408\u3067\u3082\u3001\u4ee5\u4e0b\u306e\u3088\u3046\u306a\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u767a\u751f\u3057\u307e\u3059\u3002<\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>\u5229\u606f\u306e\u6e1b\u984d<\/strong><\/span><br \/>\n\u5f53\u521d\u63d0\u793a\u3055\u308c\u305f\u91d1\u5229\u3067\u306f\u306a\u304f\u3001\u77ed\u671f\u91d1\u5229\u306b\u4e0b\u304c\u308b<\/li>\n<li><span style=\"text-decoration: underline;\"><strong>\u5229\u606f\u306e\u4e00\u90e8\u8fd4\u9084<\/strong><\/span><br \/>\n\u3059\u3067\u306b\u53d7\u3051\u53d6\u3063\u305f\u5229\u606f\u306e\u4e00\u90e8\u307e\u305f\u306f\u5168\u90e8\u3092\u8fd4\u3059\u5fc5\u8981\u304c\u3042\u308b<\/li>\n<li><span style=\"text-decoration: underline;\"><strong>\u89e3\u7d04\u624b\u6570\u6599<\/strong><\/span><br \/>\n\u6570\u5341\u30c9\u30eb\u7a0b\u5ea6\u306e\u624b\u6570\u6599\u304c\u767a\u751f\u3059\u308b\u3053\u3068\u3082<\/li>\n<\/ul>\n<p>\u3010\u4f8b\u301112\u304b\u6708\u5b9a\u671f\uff085.20\uff05\uff09\u30926\u304b\u6708\u3067\u89e3\u7d04<br \/>\n\u2192 \u9069\u7528\u91d1\u5229\u304c3\u304b\u6708\u5b9a\u671f\uff084.80\uff05\uff09\u306b\u4e0b\u304c\u308a\u3001\u3055\u3089\u306b0.50\uff05\u5dee\u5f15\u304b\u308c\u308b\u30b1\u30fc\u30b9\u3082\u3002<\/p>\n<p>\u4e2d\u9014\u89e3\u7d04\u306f\u7dca\u6025\u6642\u306e\u6700\u7d42\u624b\u6bb5\u3068\u8003\u3048\u3001\u57fa\u672c\u306f\u6e80\u671f\u307e\u3067\u904b\u7528\u3059\u308b\u524d\u63d0\u3067\u8cc7\u91d1\u3092\u5206\u3051\u3066\u304a\u304f\u306e\u304c\u8ce2\u660e\u3067\u3059\u3002<\/p>\n<h3>4-2. \u30a4\u30f3\u30d5\u30ec\u3068\u306e\u95a2\u4fc2\u3068\u300c\u5b9f\u8cea\u7684\u306a\u4fa1\u5024\u300d<\/h3>\n<p>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306f\u6bd4\u8f03\u7684\u30a4\u30f3\u30d5\u30ec\u7387\u304c\u9ad8\u3044\u56fd\u3067\u3059\u3002\u305f\u3068\u3048\u3070\u5e745\uff05\u306e\u5229\u606f\u304c\u3064\u3044\u3066\u3082\u3001\u540c\u6642\u306b\u7269\u4fa1\u30825\uff05\u4e0a\u304c\u3063\u3066\u3044\u308c\u3070\u3001\u8cc7\u7523\u306e\u5b9f\u8cea\u7684\u306a\u8cfc\u8cb7\u529b\u306f\u5909\u308f\u3063\u3066\u3044\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u3064\u307e\u308a\u3001\u91d1\u5229\u3060\u3051\u3067\u306a\u304f\u300c\u30a4\u30f3\u30d5\u30ec\u7387\u3068\u306e\u30d0\u30e9\u30f3\u30b9\u300d\u3092\u898b\u308b\u3053\u3068\u304c\u5927\u5207\u3067\u3059\u3002<\/p>\n<ul>\n<li>\u91d1\u5229\uff1e\u30a4\u30f3\u30d5\u30ec\u7387<br \/>\n\u2192 \u5b9f\u8cea\u7684\u306b\u8cc7\u7523\u304c\u5897\u3048\u308b<\/li>\n<li>\u91d1\u5229\uff1c\u30a4\u30f3\u30d5\u30ec\u7387<br \/>\n\u2192 \u8cc7\u7523\u306e\u4fa1\u5024\u304c\u76ee\u6e1b\u308a\u3059\u308b\u53ef\u80fd\u6027\u3042\u308a<\/li>\n<\/ul>\n<p>\u7279\u306b\u9577\u671f\u9593\u306e\u5b9a\u671f\u9810\u91d1\u3092\u7d44\u3080\u3068\u304d\u306f\u3001\u4eca\u5f8c\u306e\u30a4\u30f3\u30d5\u30ec\u52d5\u5411\u3082\u610f\u8b58\u3057\u3066\u304a\u304f\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n<h3>4-3. \u70ba\u66ff\u30ea\u30b9\u30af\u306f\u3042\u308b\uff1fNZ\u30c9\u30eb\u5efa\u3066\u306e\u5834\u5408<\/h3>\n<p>NZ\u56fd\u5185\u306e\u9280\u884c\u306bNZ\u30c9\u30eb\u3067\u9810\u3051\u5165\u308c\u308b\u5834\u5408\u3001\u70ba\u66ff\u30ea\u30b9\u30af\u306f\u57fa\u672c\u7684\u306b\u767a\u751f\u3057\u307e\u305b\u3093\u3002<\/p>\n<p>\u305f\u3060\u3057\u3001\u65e5\u672c\u306b\u5e30\u56fd\u4e88\u5b9a\u304c\u3042\u308a\u3001\u6700\u7d42\u7684\u306bNZ\u30c9\u30eb\u2192\u65e5\u672c\u5186\u3078\u4e21\u66ff\u4e88\u5b9a\u306e\u3042\u308b\u65b9\u306f\u3001\u4ee5\u4e0b\u306e2\u70b9\u306b\u6ce8\u610f\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n<ul>\n<li>\u9810\u91d1\u671f\u9593\u4e2d\u306bNZ\u30c9\u30eb\u304c\u5186\u306b\u5bfe\u3057\u3066\u5927\u304d\u304f\u4e0b\u843d\u3057\u305f\u5834\u5408<br \/>\n\u2192 \u5229\u606f\u4ee5\u4e0a\u306b\u70ba\u66ff\u640d\u304c\u51fa\u308b\u53ef\u80fd\u6027<\/li>\n<li>\u5e30\u56fd\u6642\u671f\u304c\u6c7a\u307e\u3063\u3066\u3044\u308b\u5834\u5408<br \/>\n\u2192 \u6e80\u671f\u3068\u70ba\u66ff\u306e\u898b\u901a\u3057\u3092\u8003\u616e\u3057\u3066\u8a2d\u8a08\u3059\u308b\u306e\u304c\u30d9\u30b9\u30c8<\/li>\n<\/ul>\n<p>\u70ba\u66ff\u304c\u6c17\u306b\u306a\u308b\u5834\u5408\u306f\u3001\u9810\u91d1\u3067\u306f\u306a\u304fNZ\u30c9\u30eb\u5efa\u3066MMF\u3084\u70ba\u66ff\u30d8\u30c3\u30b8\u578b\u30d5\u30a1\u30f3\u30c9\u3068\u7d44\u307f\u5408\u308f\u305b\u308b\u65b9\u6cd5\u3082\u691c\u8a0e\u306b\u5024\u3057\u307e\u3059\u3002<\/p>\n<h3>4-4. \u305d\u306e\u4ed6\u306e\u6ce8\u610f\u70b9<\/h3>\n<p>\u305d\u306e\u4ed6\u306b\u3082\u610f\u8b58\u3057\u3066\u304a\u304f\u3079\u304d\u6ce8\u610f\u70b9\u306f\u4ee5\u4e0b\u306e3\u3064\u3067\u3059\u3002<\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>\u81ea\u52d5\u66f4\u65b0\u306e\u30bf\u30a4\u30df\u30f3\u30b0\uff1a<\/strong><\/span><br \/>\n\u4f55\u3082\u8a2d\u5b9a\u3057\u306a\u3044\u3068\u3001\u81ea\u52d5\u3067\u518d\u6295\u8cc7\uff08\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\uff09\u3055\u308c\u308b\u3053\u3068\u304c\u591a\u3044<\/li>\n<li><span style=\"text-decoration: underline;\"><strong>\u91d1\u5229\u306e\u5909\u52d5\uff1a<\/strong><\/span><br \/>\n\u66f4\u65b0\u6642\u306e\u91d1\u5229\u306f\u5e02\u5834\u6b21\u7b2c\u306a\u306e\u3067\u3001\u4e8b\u524d\u306e\u901a\u77e5\u78ba\u8a8d\u3092\u5fd8\u308c\u305a\u306b<\/li>\n<li><span style=\"text-decoration: underline;\"><strong>\u9810\u91d1\u4fdd\u8b77\u5236\u5ea6\u306f\u65e5\u672c\u3068\u306f\u7570\u306a\u308b\uff1a<\/strong><\/span><br \/>\n\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306b\u306f\u6cd5\u5b9a\u306e\u9810\u91d1\u4fdd\u8b77\u5236\u5ea6\u306f\u3042\u308a\u307e\u305b\u3093\uff082025\u5e74\u6642\u70b9\uff09<\/li>\n<\/ul>\n<p>\u305d\u306e\u305f\u3081\u3001\u9280\u884c\u306e\u4fe1\u7528\u529b\u3084\u8ca1\u52d9\u72b6\u6cc1\u3092\u3042\u308b\u7a0b\u5ea6\u628a\u63e1\u3057\u3066\u304a\u304f\u3053\u3068\u3082\u30ea\u30b9\u30af\u7ba1\u7406\u306e\u4e00\u74b0\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<h3>4\u7ae0\u306e\u307e\u3068\u3081<\/h3>\n<p>\u5b9a\u671f\u9810\u91d1\u306f\u30ea\u30b9\u30af\u304c\u5c11\u306a\u3044\u8cc7\u7523\u3067\u3059\u304c\u3001\u9014\u4e2d\u89e3\u7d04\u3084\u5916\u7684\u8981\u56e0\uff08\u30a4\u30f3\u30d5\u30ec\u30fb\u70ba\u66ff\uff09\u306b\u3088\u308b\u30ea\u30b9\u30af\u306f\u30bc\u30ed\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<ul>\n<li>\u4e2d\u9014\u89e3\u7d04\u306b\u306f\u5229\u606f\u6e1b\u984d\u3084\u624b\u6570\u6599\u306a\u3069\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u767a\u751f\u3059\u308b<\/li>\n<li>\u5b9f\u8cea\u5229\u56de\u308a\u3092\u78ba\u8a8d\u3059\u308b\u306b\u306f\u3001\u30a4\u30f3\u30d5\u30ec\u7387\u3068\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u610f\u8b58<\/li>\n<li>\u70ba\u66ff\u3084\u81ea\u52d5\u66f4\u65b0\u3001\u9810\u91d1\u4fdd\u8b77\u306e\u5236\u5ea6\u7684\u9055\u3044\u306b\u3082\u6ce8\u610f\u3092<\/li>\n<\/ul>\n<p>\u6b21\u306e\u7ae0\u3067\u306f\u3001\u5229\u606f\u53ce\u5165\u306b\u304b\u304b\u308b\u7a0e\u91d1\uff08RWT\uff09\u3084\u5b9f\u8cea\u5229\u56de\u308a\u306e\u8a08\u7b97\u65b9\u6cd5\u306b\u3064\u3044\u3066\u3001\u3055\u3089\u306b\u8a73\u3057\u304f\u89e3\u8aac\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<h2 id=\"5\">5. \u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\uff5c\u7a0e\u91d1\u3068\u5b9f\u8cea\u5229\u56de\u308a\u306e\u8003\u3048\u65b9\u306e\u30dd\u30a4\u30f3\u30c8<\/h2>\n<p>\u5b9a\u671f\u9810\u91d1\u3067\u5f97\u3089\u308c\u308b\u5229\u606f\u306f\u3001\u305d\u306e\u307e\u307e\u5168\u984d\u304c\u624b\u5143\u306b\u5165\u3063\u3066\u304f\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u3067\u306f\u3001\u5229\u606f\u53ce\u5165\u306b\u5bfe\u3057\u3066RWT\uff08Resident Withholding Tax\uff1a\u5c45\u4f4f\u8005\u6e90\u6cc9\u7a0e\uff09\u304c\u8ab2\u3055\u308c\u308b\u305f\u3081\u3001\u300c\u7a0e\u5f15\u304d\u5f8c\u3067\u5b9f\u969b\u306b\u3044\u304f\u3089\u5897\u3048\u308b\u304b\u300d\uff1d\u5b9f\u8cea\u5229\u56de\u308a\u3092\u6b63\u3057\u304f\u7406\u89e3\u3059\u308b\u3053\u3068\u304c\u5927\u5207\u3067\u3059\u3002<\/p>\n<p>\u3053\u306e\u7ae0\u3067\u306f\u3001RWT\u306e\u4ed5\u7d44\u307f\u3068\u9078\u3079\u308b\u7a0e\u7387\u3001\u5b9f\u8cea\u5229\u56de\u308a\u306e\u8a08\u7b97\u4f8b\u306a\u3069\u3092\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<h3>5-1. RWT\uff08\u5c45\u4f4f\u8005\u6e90\u6cc9\u7a0e\uff09\u3068\u306f\uff1f<\/h3>\n<p>RWT\u306f\u3001\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306b\u5c45\u4f4f\u3059\u308b\u500b\u4eba\u304c\u53d7\u3051\u53d6\u308b\u5229\u606f\u306b\u5bfe\u3057\u3066\u9069\u7528\u3055\u308c\u308b\u6e90\u6cc9\u8ab2\u7a0e\u5236\u5ea6\u3067\u3059\u3002<\/p>\n<p>\u9280\u884c\u3084\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u5229\u606f\u3092\u652f\u6255\u3046\u969b\u306b\u3042\u3089\u304b\u3058\u3081RWT\u5206\u306e\u7a0e\u91d1\u3092\u5dee\u3057\u5f15\u3044\u3066\u3001IRD\uff08\u7a0e\u52d9\u5c40\uff09\u306b\u7d0d\u4ed8\u3057\u307e\u3059\u3002<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 50%; background-color: #fafade; text-align: center;\"><strong>\u5e74\u9593\u6240\u5f97\u306e\u76ee\u5b89<\/strong><\/td>\n<td style=\"width: 50%; background-color: #fafade; text-align: center;\"><strong>RWT\u7a0e\u7387\u306e\u9078\u629e\u80a2<\/strong><br \/>\n<strong>\uff082025\u5e74\u6642\u70b9\uff09<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%;\">NZD14,000\u4ee5\u4e0b<\/td>\n<td style=\"width: 50%; text-align: center;\">10.5\uff05<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%;\">NZD14,001\u301cNZD48,000<\/td>\n<td style=\"width: 50%; text-align: center;\">17.5\uff05<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%;\">NZD48,001\u301cNZD70,000<\/td>\n<td style=\"width: 50%; text-align: center;\">30.0\uff05<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%;\">NZD70,001\u4ee5\u4e0a<\/td>\n<td style=\"width: 50%; text-align: center;\">33.0\uff05<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%;\">\u672a\u8a2d\u5b9a\u306e\u5834\u5408<\/td>\n<td style=\"width: 50%; text-align: center;\">\u6700\u592745.0\uff05<br \/>\n\uff08\u81ea\u52d5\u9069\u7528\u306e\u53ef\u80fd\u6027\uff09<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u3010\u30dd\u30a4\u30f3\u30c8\u3011<\/p>\n<ul>\n<li>RWT\u306e\u7a0e\u7387\u306f\u81ea\u5206\u3067\u8a2d\u5b9a\u3067\u304d\u307e\u3059\uff08\u53e3\u5ea7\u958b\u8a2d\u6642\u3084\u30aa\u30f3\u30e9\u30a4\u30f3\u30d0\u30f3\u30ad\u30f3\u30b0\u3067\u5909\u66f4\u53ef\u80fd\uff09<\/li>\n<li>\u5e74\u9593\u6240\u5f97\u306b\u5fdc\u3058\u3066\u6700\u9069\u306a\u7a0e\u7387\u3092\u9078\u3076\u3053\u3068\u3067\u3001\u904e\u5270\u306a\u7a0e\u5f15\u304d\u3084\u7533\u544a\u4e0d\u8981\u306e\u72b6\u614b\u3092\u3064\u304f\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059<\/li>\n<\/ul>\n<h3>5-2. \u5b9f\u8cea\u5229\u56de\u308a\u306e\u8a08\u7b97\u65b9\u6cd5<\/h3>\n<p>\u5b9a\u671f\u9810\u91d1\u306e\u300c\u8868\u9762\u5229\u7387\u300d\u306f\u7a0e\u5f15\u304d\u524d\u306e\u6570\u5b57\u3067\u3059\u3002\u2028\u5b9f\u969b\u306b\u81ea\u5206\u306e\u624b\u5143\u306b\u6b8b\u308b\u306e\u306f\u3001\u7a0e\u5f15\u304d\u5f8c\u306e\u300c\u5b9f\u8cea\u5229\u56de\u308a\u300d\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u3010\u4f8b\u3011<br \/>\n\u9810\u3051\u5165\u308c\uff1aNZD 10,000<br \/>\n\u91d1\u5229\uff1a5.00\uff05\uff0f\u5e74<br \/>\n\u7a0e\u7387\uff1a30\uff05<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 50%; background-color: #fafade;\">1\u5e74\u9593\u306e\u5229\u606f<br \/>\n\uff08\u7a0e\u5f15\u524d\uff09<\/td>\n<td style=\"width: 50%;\">NZD 500<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; background-color: #fafade;\">\u7a0e\u984d<br \/>\n\uff0830\uff05\uff09<\/td>\n<td style=\"width: 50%;\">NZD 150<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; background-color: #fafade;\">\u7a0e\u5f15\u304d\u5f8c\u306e\u5229\u606f<br \/>\n\uff08\u5b9f\u8cea\u53ce\u5165\uff09<\/td>\n<td style=\"width: 50%;\">NZD 350<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; background-color: #fafade;\">\u5b9f\u8cea\u5229\u56de\u308a<\/td>\n<td style=\"width: 50%;\">3.50\uff05<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u4e0a\u306e\u3088\u3046\u306b\u3001\u5b9f\u8cea\u5229\u56de\u308a\u306f\u300c\u91d1\u5229 \u00d7\uff081 \u2212 \u7a0e\u7387\uff09\u300d\u3067\u6982\u7b97\u3067\u304d\u307e\u3059\u3002<\/p>\n<h3>5-3. \u7a0e\u7387\u3092\u6b63\u3057\u304f\u8a2d\u5b9a\u3057\u3066\u304a\u304f\u3079\u304d\u7406\u7531<\/h3>\n<p>\u9280\u884c\u306b\u7a0e\u7387\u3092\u8a2d\u5b9a\u3057\u3066\u3044\u306a\u3044\u3068\u3001\u81ea\u52d5\u7684\u306b\u6700\u5927\u7a0e\u7387\uff08\u6700\u592745\uff05\uff09\u304c\u9069\u7528\u3055\u308c\u308b\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u305d\u306e\u7d50\u679c\u3001\u672c\u6765\u3088\u308a\u3082\u591a\u304f\u7a0e\u91d1\u3092\u5dee\u3057\u5f15\u304b\u308c\u3066\u3057\u307e\u3046\u53ef\u80fd\u6027\u304c\u3042\u308b\u305f\u3081\u3001\u4ee5\u4e0b\u306e\u5bfe\u5fdc\u3092\u304a\u3059\u3059\u3081\u3057\u307e\u3059\u3002<\/p>\n<ul>\n<li>\u30aa\u30f3\u30e9\u30a4\u30f3\u30d0\u30f3\u30ad\u30f3\u30b0\u307e\u305f\u306f\u652f\u5e97\u3067\u81ea\u5206\u306e\u6240\u5f97\u306b\u5408\u3063\u305f\u7a0e\u7387\u3092\u767b\u9332<\/li>\n<li>\u53ce\u5165\u304c\u5909\u52d5\u3057\u305f\u5834\u5408\u306f\u3001\u5e74\u306b1\u56de\u7a0b\u5ea6\u898b\u76f4\u3059\u7fd2\u6163\u3092\u3064\u3051\u308b<\/li>\n<li>\u8907\u6570\u306e\u9280\u884c\u53e3\u5ea7\u3092\u6301\u3063\u3066\u3044\u308b\u5834\u5408\u3001\u305d\u308c\u305e\u308c\u306b\u7a0e\u7387\u3092\u8a2d\u5b9a\u3059\u308b\u5fc5\u8981\u304c\u3042\u308b\u70b9\u306b\u3082\u6ce8\u610f<\/li>\n<\/ul>\n<h3>5-4. \u975e\u5c45\u4f4f\u8005\uff08\u65e5\u672c\u5728\u4f4f\u3067NZ\u306b\u8cc7\u91d1\u3092\u9810\u3051\u308b\u5834\u5408\uff09<\/h3>\n<p>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u975e\u5c45\u4f4f\u8005\u306b\u306f\u3001RWT\u3067\u306f\u306a\u304fNRWT\uff08\u975e\u5c45\u4f4f\u8005\u6e90\u6cc9\u7a0e\uff09\u307e\u305f\u306fAIL\uff08\u8a8d\u53ef\u767a\u884c\u8005\u8ab2\u5fb4\u91d1\uff09\u304c\u9069\u7528\u3055\u308c\u307e\u3059\u3002<\/p>\n<ul>\n<li>NRWT\uff1a\u539f\u524710\u301c15\uff05\uff08\u65e5\u672c\u3068\u306e\u79df\u7a0e\u6761\u7d04\u306b\u3088\u308a10\uff05\uff09<\/li>\n<li>AIL\uff1a\u6761\u4ef6\u3092\u6e80\u305f\u305b\u30702\uff05\uff08\u7279\u5b9a\u306e\u767a\u884c\u8005\u306b\u9650\u3089\u308c\u308b\uff09<\/li>\n<li>\u9280\u884c\u306b\u3088\u308a\u6271\u3044\u304c\u7570\u306a\u308b\u305f\u3081\u3001\u975e\u5c45\u4f4f\u8005\u306e\u5834\u5408\u306f\u4e8b\u524d\u306b\u78ba\u8a8d\u30fb\u76f8\u8ac7\u304c\u5fc5\u9808\u3067\u3059<\/li>\n<\/ul>\n<h3>5\u7ae0\u306e\u307e\u3068\u3081<\/h3>\n<p>\u5b9a\u671f\u9810\u91d1\u306e\u5b9f\u969b\u306e\u53ce\u76ca\u3092\u628a\u63e1\u3059\u308b\u306b\u306f\u3001\u7a0e\u91d1\u3092\u5dee\u3057\u5f15\u3044\u305f\u300c\u5b9f\u8cea\u5229\u56de\u308a\u300d\u3067\u8003\u3048\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n<ul>\n<li>\u5229\u606f\u306b\u306fRWT\u304c\u8ab2\u7a0e\u3055\u308c\u3001\u7a0e\u7387\u306f10.5\u301c33\uff05\uff08\u672a\u8a2d\u5b9a\u6642\u306f\u6700\u592745\uff05\uff09<\/li>\n<li>\u7a0e\u7387\u8a2d\u5b9a\u3092\u81ea\u5206\u3067\u884c\u3046\u3053\u3068\u3067\u3001\u7a0e\u5f15\u304d\u904e\u304e\u3092\u9632\u3052\u308b<\/li>\n<li>\u5b9f\u8cea\u5229\u56de\u308a\uff1d\u91d1\u5229 \u00d7\uff081 \u2212 \u7a0e\u7387\uff09\u3067\u304a\u304a\u3088\u305d\u306e\u53ce\u76ca\u304c\u898b\u7a4d\u3082\u308c\u308b<\/li>\n<li>\u975e\u5c45\u4f4f\u8005\u306e\u5834\u5408\u306fNRWT\u3084AIL\u306a\u3069\u3001\u7570\u306a\u308b\u7a0e\u5236\u5ea6\u304c\u9069\u7528\u3055\u308c\u308b\u305f\u3081\u8981\u6ce8\u610f<\/li>\n<\/ul>\n<p>\u6b21\u306e\u7ae0\u3067\u306f\u3001\u3053\u3046\u3057\u305f\u4ed5\u7d44\u307f\u3092\u3075\u307e\u3048\u3001\u5b9a\u671f\u9810\u91d1\u304c\u3069\u3093\u306a\u4eba\u306b\u5411\u3044\u3066\u3044\u308b\u306e\u304b\u3001\u307e\u305f\u8cc7\u7523\u8a2d\u8a08\u306e\u4e2d\u3067\u3069\u3046\u6d3b\u7528\u3067\u304d\u308b\u306e\u304b\u3092\u5177\u4f53\u7684\u306b\u3054\u7d39\u4ecb\u3057\u307e\u3059\u3002<\/p>\n<h2 id=\"6\">6. \u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\u306f\u3069\u3093\u306a\u4eba\u306b\u5411\u3044\u3066\u3044\u308b\uff1f\u6d3b\u7528\u4f8b\u3068\u8cc7\u7523\u8a2d\u8a08<\/h2>\n<p>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\u306f\u3001\u5143\u672c\u4fdd\u8a3c\u306e\u5b89\u5fc3\u611f\u3068\u9ad8\u91d1\u5229\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u5099\u3048\u305f\u8cc7\u7523\u4fdd\u5168\u578b\u306e\u5546\u54c1\u3068\u3057\u3066\u3001\u591a\u304f\u306e\u4eba\u306b\u652f\u6301\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3068\u306f\u3044\u3048\u3001\u3059\u3079\u3066\u306e\u4eba\u306b\u3068\u3063\u3066\u6700\u9069\u3068\u3044\u3046\u308f\u3051\u3067\u306f\u306a\u304f\u3001\u76ee\u7684\u3084\u30e9\u30a4\u30d5\u30b9\u30bf\u30a4\u30eb\u306b\u5fdc\u3058\u305f\u300c\u5411\u304d\u30fb\u4e0d\u5411\u304d\u300d\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u7ae0\u3067\u306f\u3001\u5b9a\u671f\u9810\u91d1\u304c\u3069\u3093\u306a\u4eba\u306b\u304a\u3059\u3059\u3081\u304b\u3001\u3069\u306e\u3088\u3046\u306a\u5834\u9762\u3067\u6d3b\u7528\u3067\u304d\u308b\u304b\u3092\u5177\u4f53\u7684\u306b\u898b\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<h3>6-1. \u5b9a\u671f\u9810\u91d1\u304c\u5411\u3044\u3066\u3044\u308b\u4eba\u306e\u7279\u5fb4<\/h3>\n<p>\u4ee5\u4e0b\u306e\u3088\u3046\u306a\u30cb\u30fc\u30ba\u3092\u6301\u3064\u65b9\u306b\u306f\u3001\u5b9a\u671f\u9810\u91d1\u304c\u7279\u306b\u304a\u3059\u3059\u3081\u3067\u3059\u3002<\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>\u30ea\u30b9\u30af\u3092\u53d6\u308a\u305f\u304f\u306a\u3044\u4eba<\/strong><\/span><br \/>\n\u2192 \u5143\u672c\u304c\u4fdd\u8a3c\u3055\u308c\u3066\u3044\u308b\u305f\u3081\u3001\u4fa1\u683c\u5909\u52d5\u306e\u3042\u308b\u6295\u8cc7\u304c\u82e6\u624b\u306a\u4eba\u306b\u6700\u9069<\/li>\n<li><span style=\"text-decoration: underline;\"><strong>\u77ed\u671f\u301c\u4e2d\u671f\u3067\u4f7f\u3046\u4e88\u5b9a\u306e\u3042\u308b\u8cc7\u91d1\u3092\u904b\u7528\u3057\u305f\u3044\u4eba<\/strong><\/span><br \/>\n\u2192 1\u301c2\u5e74\u5148\u306b\u4f7f\u3046\u304a\u91d1\u3092\u52b9\u7387\u3088\u304f\u9810\u3051\u305f\u3044\u5834\u5408<\/li>\n<li><span style=\"text-decoration: underline;\"><strong>\u9ad8\u91d1\u5229\u306e\u4eca\u3092\u6d3b\u304b\u3057\u3066\u3001\u78ba\u5b9f\u306b\u5229\u606f\u3092\u5f97\u305f\u3044\u4eba<\/strong><\/span><br \/>\n\u2192 \u91d1\u5229\u306e\u30d4\u30fc\u30af\u5c40\u9762\u3067\u5229\u7387\u3092\u30ed\u30c3\u30af\u30a4\u30f3\u3057\u305f\u3044\u4eba<\/li>\n<li><span style=\"text-decoration: underline;\"><strong>\u65e5\u672c\u306e\u8d85\u4f4e\u91d1\u5229\u306b\u7269\u8db3\u308a\u306a\u3055\u3092\u611f\u3058\u3066\u3044\u308b\u4eba<\/strong><\/span><br \/>\n\u2192 NZ\u306e\u5e745\uff05\u524d\u5f8c\u306e\u91d1\u5229\u306f\u9b45\u529b\u7684\u306a\u9078\u629e\u80a2\u3068\u306a\u308b<\/li>\n<\/ul>\n<h3>6-2. \u30e9\u30a4\u30d5\u30b9\u30c6\u30fc\u30b8\u5225\u306e\u6d3b\u7528\u4f8b<\/h3>\n<h4><strong>\u3010\u4f8b1\u3011\u99d0\u5728\u30fb\u7559\u5b66\u4e2d\u306e\u4e00\u6642\u9810\u304b\u308a\u8cc7\u91d1\u3068\u3057\u3066<\/strong><\/h4>\n<ul>\n<li>\u671f\u9593\uff1a6\u301c12\u304b\u6708<\/li>\n<li>\u76ee\u7684\uff1a\u6570\u304b\u6708\u301c1\u5e74\u5f8c\u306b\u4f7f\u3046\u4e88\u5b9a\u306e\u8cc7\u91d1\u3092\u52b9\u7387\u3088\u304f\u7ba1\u7406<\/li>\n<li>\u30e1\u30ea\u30c3\u30c8\uff1a\u5f15\u304d\u51fa\u3059\u5fc5\u8981\u304c\u306a\u3044\u304a\u91d1\u3092\u9ad8\u91d1\u5229\u3067\u5b89\u5168\u306b\u4fdd\u5168\u53ef\u80fd<\/li>\n<\/ul>\n<h4>\u3010\u4f8b2\u3011\u5c06\u6765\u306e\u5e30\u56fd\u8cbb\u7528\u306e\u78ba\u4fdd<\/h4>\n<ul>\n<li>\u671f\u9593\uff1a1\u301c2\u5e74<\/li>\n<li>\u76ee\u7684\uff1a\u822a\u7a7a\u5238\u30fb\u5f15\u3063\u8d8a\u3057\u30fb\u4e00\u6642\u5e30\u56fd\u6642\u306e\u51fa\u8cbb<\/li>\n<li>\u30e1\u30ea\u30c3\u30c8\uff1a\u6e80\u671f\u6642\u306b\u4e00\u62ec\u3067\u5fc5\u8981\u8cc7\u91d1\u3092\u53d7\u3051\u53d6\u308c\u308b\u305f\u3081\u8a08\u753b\u7684<\/li>\n<\/ul>\n<h4>\u3010\u4f8b3\u3011\u30ea\u30b9\u30af\u3092\u6291\u3048\u305f\u5206\u6563\u6295\u8cc7\u306e\u4e00\u90e8\u3068\u3057\u3066<\/h4>\n<ul>\n<li>\u671f\u9593\uff1a6\u301c24\u304b\u6708<\/li>\n<li>\u76ee\u7684\uff1a\u682a\u5f0f\u3084\u50b5\u5238\u30d5\u30a1\u30f3\u30c9\u3068\u7d44\u307f\u5408\u308f\u305b\u3066\u8cc7\u7523\u5168\u4f53\u306e\u30ea\u30b9\u30af\u3092\u4f4e\u6e1b<\/li>\n<li>\u30e1\u30ea\u30c3\u30c8\uff1a\u682a\u4fa1\u304c\u4e0d\u5b89\u5b9a\u306a\u6642\u671f\u3067\u3082\u5b89\u5b9a\u53ce\u76ca\u304c\u671f\u5f85\u3067\u304d\u308b<\/li>\n<\/ul>\n<h3>6-3. \u4ed6\u306e\u8cc7\u7523\u30af\u30e9\u30b9\u3068\u306e\u7d44\u307f\u5408\u308f\u305b\u4f8b<\/h3>\n<p>\u5b9a\u671f\u9810\u91d1\u306f\u3001\u305d\u308c\u5358\u4f53\u3067\u3082\u5b89\u5fc3\u611f\u306e\u3042\u308b\u5546\u54c1\u3067\u3059\u304c\u3001\u4ed6\u306e\u91d1\u878d\u5546\u54c1\u3068\u7d44\u307f\u5408\u308f\u305b\u308b\u3053\u3068\u3067\u3088\u308a\u52b9\u679c\u7684\u306b\u8cc7\u7523\u3092\u8a2d\u8a08\u3067\u304d\u307e\u3059\u3002<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 33.3333%; text-align: center; background-color: #fafade;\"><strong>\u8cc7\u7523\u69cb\u6210\u306e\u4f8b<\/strong><\/td>\n<td style=\"width: 33.3333%; text-align: center; background-color: #fafade;\"><strong>\u8cc7\u7523\u69cb\u6210\u306e\u4f8b<\/strong><\/td>\n<td style=\"width: 33.3333%; text-align: center; background-color: #fafade;\"><strong>\u8cc7\u7523\u69cb\u6210\u306e\u4f8b<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\">\u5b9a\u671f\u9810\u91d1\u4e2d\u5fc3\u578b<\/td>\n<td style=\"width: 33.3333%;\">\u30fb\u5b9a\u671f\u9810\u91d170\uff05<br \/>\nKiwiSaver30\uff05<\/td>\n<td style=\"width: 33.3333%;\">\u30ea\u30b9\u30af\u3092\u6700\u5c0f\u9650\u306b\u6291\u3048\u305f\u5805\u5b9f\u578b<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\">\u5206\u6563\u6295\u8cc7\u578b<\/td>\n<td style=\"width: 33.3333%;\">\u30fb\u5b9a\u671f\u9810\u91d140\uff05<br \/>\n\u30fb\u50b5\u5238\u30d5\u30a1\u30f3\u30c930\uff05<br \/>\n\u30fb\u682a\u5f0fETF30\uff05<\/td>\n<td style=\"width: 33.3333%;\">\u5b89\u5b9a\u6027\u3068\u6210\u9577\u6027\u306e\u30d0\u30e9\u30f3\u30b9\u578b<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\">\u5229\u606f\u6d3b\u7528\u578b<\/td>\n<td style=\"width: 33.3333%;\">\u30fb\u5b9a\u671f\u9810\u91d150\uff05<br \/>\n\u30fb\u666e\u901a\u9810\u91d130\uff05<br \/>\n\u30fb\u30ea\u30b9\u30af\u8cc7\u752320\uff05<\/td>\n<td style=\"width: 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style=\"text-decoration: underline;\"><strong>\u6e80\u671f\u307e\u3067\u5f15\u304d\u51fa\u305b\u306a\u3044\u306e\u304c\u57fa\u672c<\/strong><\/span><br \/>\n\u2192 \u4e2d\u9014\u89e3\u7d04\u306b\u306f\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u3042\u308b<\/li>\n<li><span style=\"text-decoration: underline;\"><strong>\u5229\u606f\u306b\u306fRWT\uff08\u5c45\u4f4f\u8005\u6e90\u6cc9\u7a0e\uff09\u304c\u8ab2\u7a0e<\/strong><\/span><br \/>\n\u2192 \u7a0e\u7387\u306e\u8a2d\u5b9a\u30df\u30b9\u306b\u6ce8\u610f<\/li>\n<li><span style=\"text-decoration: underline;\"><strong>\u5916\u90e8\u74b0\u5883\u306e\u5f71\u97ff\u3082\u8003\u616e\u3059\u308b\u5fc5\u8981\u304c\u3042\u308b<\/strong><\/span><br \/>\n\u2192 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6\u304b\u6708\u30fb12\u304b\u6708\u30fb24\u304b\u6708\u3002<\/li>\n<li>\u8907\u6570\u9280\u884c\u306e\u91d1\u5229\u3084\u6761\u4ef6\u3092\u6bd4\u8f03\u3057\u3001\u3082\u3063\u3068\u3082\u6709\u5229\u306a\u9810\u3051\u5148\u3092\u9078\u3076<\/li>\n<li>\u5b9a\u671f\u9810\u91d1\u3092\u8cc7\u7523\u8a2d\u8a08\u5168\u4f53\u306e\u300c\u5b88\u308a\u300d\u3068\u3057\u3066\u4f4d\u7f6e\u3065\u3051\u308b<\/li>\n<\/ul>\n<h3>\u3053\u306e\u8a18\u4e8b\u5168\u4f53\u306e\u7dcf\u307e\u3068\u3081<\/h3>\n<p>\u5b9a\u671f\u9810\u91d1\u306f\u3001\u6d3e\u624b\u3055\u306f\u306a\u304f\u3068\u3082\u300c\u7740\u5b9f\u306b\u8cc7\u7523\u3092\u5b88\u308a\u3001\u5c11\u3057\u305a\u3064\u5897\u3084\u3057\u3066\u3044\u304f\u300d\u305f\u3081\u306e\u5f37\u529b\u306a\u5473\u65b9\u3067\u3059\u3002<\/p>\n<p>\u7279\u306b\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u3067\u306f\u3001\u65e5\u672c\u3067\u306f\u5f97\u3089\u308c\u306a\u3044\u9ad8\u91d1\u5229\u3068\u67d4\u8edf\u306a\u5546\u54c1\u8a2d\u8a08\u304c\u9b45\u529b\u3067\u3001\u9577\u671f\u7684\u306a\u8cc7\u7523\u5f62\u6210\u3092\u8003\u3048\u308b\u3046\u3048\u3067\u3082\u975e\u5e38\u306b\u6709\u52b9\u306a\u9078\u629e\u80a2\u3067\u3059\u3002<\/p>\n<ul>\n<li>\u30ea\u30b9\u30af\u3092\u6700\u5c0f\u9650\u306b\u6291\u3048\u305f\u3044\u4eba<\/li>\n<li>\u77ed\u671f\u301c\u4e2d\u671f\u3067\u4f7f\u3046\u4e88\u5b9a\u306e\u3042\u308b\u8cc7\u91d1\u3092\u5b89\u5168\u306b\u4fdd\u5168\u3057\u305f\u3044\u4eba<\/li>\n<li>\u5c06\u6765\u306e\u305f\u3081\u306b\u3001\u5c11\u3057\u3067\u3082\u5229\u56de\u308a\u3092\u6c42\u3081\u305f\u3044\u4eba<\/li>\n<\/ul>\n<p>\u3053\u3046\u3057\u305f\u65b9\u306f\u3001\u305c\u3072\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5b9a\u671f\u9810\u91d1\u3092\u300c\u8cc7\u7523\u3065\u304f\u308a\u306e\u7b2c\u4e00\u6b69\u300d\u3068\u3057\u3066\u53c2\u8003\u306b\u3057\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>XXX 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[&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":12184,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"sns_share_botton_hide":"","vkExUnit_sns_title":"","_vk_print_noindex":"","sitemap_hide":"","_veu_custom_css":"","veu_display_promotion_alert":"common","vkexunit_cta_each_option":"","footnotes":""},"categories":[710],"tags":[],"country-focus":[],"base-location":[],"class_list":["post-12182","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-guide"],"acf":[],"featured_image_src":"https:\/\/askmenz.com\/wp-content\/uploads\/2025\/04\/micheile-henderson-SoT4-mZhyhE-unsplash.jpg","author_info":{"display_name":"Ask Me","author_link":"https:\/\/askmenz.com\/en\/author\/taka\/"},"veu_head_title_object":{"title":"","add_site_title":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.8.1 - 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