{"id":102902,"date":"2026-01-13T16:28:59","date_gmt":"2026-01-13T07:28:59","guid":{"rendered":"https:\/\/www.marketresearch.co.jp\/insights\/home-loan-market-mordor\/"},"modified":"2026-10-13T10:46:36","modified_gmt":"2026-10-13T01:46:36","slug":"home-loan-market-mordor","status":"publish","type":"post","link":"https:\/\/www.marketresearch.co.jp\/insights\/home-loan-market-mordor\/","title":{"rendered":"\u4f4f\u5b85\u30ed\u30fc\u30f3\u5e02\u5834\u898f\u6a21\u30fb\u30b7\u30a7\u30a2\u5206\u6790\uff1a\u6210\u9577\u52d5\u5411\u3068\u4e88\u6e2c\uff082025-2030\u5e74\uff09"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/www.marketresearch.co.jp\/insights\/wp-content\/uploads\/2026\/01\/home-loan-market-1751634669939-major-players.webp\" alt=\"Chart\" class=\"aligncenter size-full\" \/><\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.marketresearch.co.jp\/insights\/wp-content\/uploads\/2026\/01\/home-loan-market-size-image-1751866082471.webp\" alt=\"Chart\" class=\"aligncenter size-full\" \/><\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-0\">1. \u306f\u3058\u3081\u306b<\/p>\n<ul>\n<li class=\"toc-level-2\">1.1 \u8abf\u67fb\u306e\u524d\u63d0\u3068\u5e02\u5834\u306e\u5b9a\u7fa9<\/li>\n<li class=\"toc-level-2\">1.2 \u8abf\u67fb\u7bc4\u56f2<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-1\">2. \u8abf\u67fb\u65b9\u6cd5<\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-2\">3. \u30a8\u30b0\u30bc\u30af\u30c6\u30a3\u30d6\u30b5\u30de\u30ea\u30fc<\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-3\">4. \u5e02\u5834\u306e\u72b6\u6cc1<\/p>\n<ul>\n<li class=\"toc-level-2\">4.1 \u5e02\u5834\u6982\u8981<\/li>\n<li class=\"toc-level-2\">4.2 \u5e02\u5834\u306e\u63a8\u9032\u8981\u56e0\n<ul>\n<li class=\"toc-level-3\">4.2.1 \u30c7\u30b8\u30bf\u30eb\u30d5\u30a1\u30fc\u30b9\u30c8\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u7d44\u6210\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306e\u6025\u901f\u306a\u53f0\u982d<\/li>\n<li class=\"toc-level-3\">4.2.2 AI\u3092\u6d3b\u7528\u3057\u305f\u4fe1\u7528\u30b9\u30b3\u30a2\u30ea\u30f3\u30b0\u306b\u3088\u308b\u501f\u308a\u624b\u5c64\u306e\u62e1\u5927<\/li>\n<li class=\"toc-level-3\">4.2.3 \u65b0\u8208\u5e02\u5834\u306b\u304a\u3051\u308b\u653f\u5e9c\u652f\u63f4\u306e\u4f4e\u4fa1\u683c\u4f4f\u5b85\u63a8\u9032<\/li>\n<li class=\"toc-level-3\">4.2.4 \u30b0\u30ea\u30fc\u30f3\u30db\u30fc\u30e0\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u3068ESG\u95a2\u9023\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u52a0\u901f<\/li>\n<li class=\"toc-level-3\">4.2.5 \u56fd\u5883\u3092\u8d8a\u3048\u305f\u52b4\u50cd\u79fb\u52d5\u306b\u3088\u308b\u99d0\u5728\u54e1\u306e\u4f4f\u5b85\u8cfc\u5165\u9700\u8981\u306e\u5897\u52a0<\/li>\n<li class=\"toc-level-3\">4.2.6 \u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u30e9\u30d9\u30eb\u8a3c\u5238\u5316\u306e\u62e1\u5927\u306b\u3088\u308b\u8cb8\u3057\u624b\u306e\u6d41\u52d5\u6027\u306e\u56de\u5fa9<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.3 \u5e02\u5834\u306e\u963b\u5bb3\u8981\u56e0\n<ul>\n<li class=\"toc-level-3\">4.3.1 \u4e3b\u8981\u7d4c\u6e08\u570f\u306b\u304a\u3051\u308b\u653f\u7b56\u91d1\u5229\u306e\u7d99\u7d9a\u7684\u306a\u9ad8\u6c34\u6e96<\/li>\n<li class=\"toc-level-3\">4.3.2 LTV\uff08\u30ed\u30fc\u30f3\u30fb\u30c8\u30a5\u30fb\u30d0\u30ea\u30e5\u30fc\uff09\u304a\u3088\u3073DTI\uff08\u30c7\u30c3\u30c8\u30fb\u30c8\u30a5\u30fb\u30a4\u30f3\u30ab\u30e0\uff09\u306b\u95a2\u3059\u308b\u30de\u30af\u30ed\u30d7\u30eb\u30fc\u30c7\u30f3\u30b9\u898f\u5236\u306e\u5f37\u5316<\/li>\n<li class=\"toc-level-3\">4.3.3 \u6cbf\u5cb8\u5730\u57df\u306b\u304a\u3051\u308b\u6c17\u5019\u30ea\u30b9\u30af\u4fdd\u967a\u6599\u306e\u4e0a\u6607<\/li>\n<li class=\"toc-level-3\">4.3.4 \u91d1\u878d\u72af\u7f6a\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u30b3\u30b9\u30c8\u304c\u8584\u5229\u306e\u8cb8\u3057\u624b\u3092\u5727\u8feb<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.4 \u30d0\u30ea\u30e5\u30fc\/\u30b5\u30d7\u30e9\u30a4\u30c1\u30a7\u30fc\u30f3\u5206\u6790<\/li>\n<li class=\"toc-level-2\">4.5 \u898f\u5236\u74b0\u5883<\/li>\n<li class=\"toc-level-2\">4.6 \u6280\u8853\u7684\u5c55\u671b<\/li>\n<li class=\"toc-level-2\">4.7 \u30dd\u30fc\u30bf\u30fc\u306e5\u3064\u306e\u529b\n<ul>\n<li class=\"toc-level-3\">4.7.1 \u8cb7\u3044\u624b\u306e\u4ea4\u6e09\u529b<\/li>\n<li class=\"toc-level-3\">4.7.2 \u4f9b\u7d66\u8005\u306e\u4ea4\u6e09\u529b<\/li>\n<li class=\"toc-level-3\">4.7.3 \u65b0\u898f\u53c2\u5165\u306e\u8105\u5a01<\/li>\n<li class=\"toc-level-3\">4.7.4 \u4ee3\u66ff\u54c1\u306e\u8105\u5a01<\/li>\n<li class=\"toc-level-3\">4.7.5 \u7af6\u4e89\u306e\u6fc0\u3057\u3055<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-4\">5. \u5e02\u5834\u898f\u6a21\u3068\u6210\u9577\u4e88\u6e2c\uff08\u91d1\u984d\uff09<\/p>\n<ul>\n<li class=\"toc-level-2\">5.1 \u878d\u8cc7\u76ee\u7684\u5225\n<ul>\n<li class=\"toc-level-3\">5.1.1 \u8cfc\u5165\uff08\u65b0\u898f\/\u65e2\u5b58\uff09<\/li>\n<li class=\"toc-level-3\">5.1.2 \u4f4f\u5b85\u6539\u4fee\/\u30ea\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3<\/li>\n<li class=\"toc-level-3\">5.1.3 \u305d\u306e\u4ed6\uff08\u5efa\u8a2d\u3001\u501f\u308a\u63db\u3048\u306a\u3069\uff09<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.2 \u63d0\u4f9b\u8005\u5225\n<ul>\n<li class=\"toc-level-3\">5.2.1 \u9280\u884c<\/li>\n<li class=\"toc-level-3\">5.2.2 \u4f4f\u5b85\u91d1\u878d\u4f1a\u793e<\/li>\n<li class=\"toc-level-3\">5.2.3 \u305d\u306e\u4ed6<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.3 \u91d1\u5229\u5225\n<ul>\n<li class=\"toc-level-3\">5.3.1 \u56fa\u5b9a\u91d1\u5229<\/li>\n<li class=\"toc-level-3\">5.3.2 \u5909\u52d5\u91d1\u5229<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.4 \u878d\u8cc7\u671f\u9593\u5225\n<ul>\n<li class=\"toc-level-3\">5.4.1 10\u5e74\u4ee5\u4e0b<\/li>\n<li class=\"toc-level-3\">5.4.2 11\uff5e20\u5e74<\/li>\n<li class=\"toc-level-3\">5.4.3 20\u5e74\u8d85<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.5 \u5730\u57df\u5225\n<ul>\n<li class=\"toc-level-3\">5.5.1 \u5317\u7c73<\/li>\n<li class=\"toc-level-4\">5.5.1.1 \u7c73\u56fd<\/li>\n<li class=\"toc-level-4\">5.5.1.2 \u30ab\u30ca\u30c0<\/li>\n<li class=\"toc-level-4\">5.5.1.3 \u30e1\u30ad\u30b7\u30b3<\/li>\n<li class=\"toc-level-3\">5.5.2 \u5357\u7c73<\/li>\n<li class=\"toc-level-4\">5.5.2.1 \u30d6\u30e9\u30b8\u30eb<\/li>\n<li class=\"toc-level-4\">5.5.2.2 \u30a2\u30eb\u30bc\u30f3\u30c1\u30f3<\/li>\n<li class=\"toc-level-4\">5.5.2.3 \u30c1\u30ea<\/li>\n<li class=\"toc-level-4\">5.5.2.4 \u30b3\u30ed\u30f3\u30d3\u30a2<\/li>\n<li class=\"toc-level-4\">5.5.2.5 \u305d\u306e\u4ed6\u306e\u5357\u7c73\u8af8\u56fd<\/li>\n<li class=\"toc-level-3\">5.5.3 \u6b27\u5dde<\/li>\n<li class=\"toc-level-4\">5.5.3.1 \u82f1\u56fd<\/li>\n<li class=\"toc-level-4\">5.5.3.2 \u30c9\u30a4\u30c4<\/li>\n<li class=\"toc-level-4\">5.5.3.3 \u30d5\u30e9\u30f3\u30b9<\/li>\n<li class=\"toc-level-4\">5.5.3.4 \u30b9\u30da\u30a4\u30f3<\/li>\n<li class=\"toc-level-4\">5.5.3.5 \u30a4\u30bf\u30ea\u30a2<\/li>\n<li class=\"toc-level-4\">5.5.3.6 \u30d9\u30cd\u30eb\u30af\u30b9\uff08\u30d9\u30eb\u30ae\u30fc\u3001\u30aa\u30e9\u30f3\u30c0\u3001\u30eb\u30af\u30bb\u30f3\u30d6\u30eb\u30af\uff09<\/li>\n<li class=\"toc-level-4\">5.5.3.7 \u5317\u6b27\uff08\u30b9\u30a6\u30a7\u30fc\u30c7\u30f3\u3001\u30ce\u30eb\u30a6\u30a7\u30fc\u3001\u30c7\u30f3\u30de\u30fc\u30af\u3001\u30d5\u30a3\u30f3\u30e9\u30f3\u30c9\u3001\u30a2\u30a4\u30b9\u30e9\u30f3\u30c9\uff09<\/li>\n<li class=\"toc-level-4\">5.5.3.8 \u305d\u306e\u4ed6\u306e\u6b27\u5dde\u8af8\u56fd<\/li>\n<li class=\"toc-level-3\">5.5.4 \u30a2\u30b8\u30a2\u592a\u5e73\u6d0b<\/li>\n<li class=\"toc-level-4\">5.5.4.1 \u4e2d\u56fd<\/li>\n<li class=\"toc-level-4\">5.5.4.2 \u30a4\u30f3\u30c9<\/li>\n<li class=\"toc-level-4\">5.5.4.3 \u65e5\u672c<\/li>\n<li class=\"toc-level-4\">5.5.4.4 \u97d3\u56fd<\/li>\n<li class=\"toc-level-4\">5.5.4.5 \u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2<\/li>\n<li class=\"toc-level-4\">5.5.4.6 \u6771\u5357\u30a2\u30b8\u30a2\uff08\u30b7\u30f3\u30ac\u30dd\u30fc\u30eb\u3001\u30a4\u30f3\u30c9\u30cd\u30b7\u30a2\u3001\u30de\u30ec\u30fc\u30b7\u30a2\u3001\u30bf\u30a4\u3001\u30d9\u30c8\u30ca\u30e0\u3001\u30d5\u30a3\u30ea\u30d4\u30f3\uff09<\/li>\n<li class=\"toc-level-4\">5.5.4.7 \u305d\u306e\u4ed6\u306e\u30a2\u30b8\u30a2\u592a\u5e73\u6d0b\u8af8\u56fd<\/li>\n<li class=\"toc-level-3\">5.5.5 \u4e2d\u6771\u30fb\u30a2\u30d5\u30ea\u30ab<\/li>\n<li class=\"toc-level-4\">5.5.5.1 \u30a2\u30e9\u30d6\u9996\u9577\u56fd\u9023\u90a6<\/li>\n<li class=\"toc-level-4\">5.5.5.2 \u30b5\u30a6\u30b8\u30a2\u30e9\u30d3\u30a2<\/li>\n<li class=\"toc-level-4\">5.5.5.3 \u5357\u30a2\u30d5\u30ea\u30ab<\/li>\n<li class=\"toc-level-4\">5.5.5.4 \u30ca\u30a4\u30b8\u30a7\u30ea\u30a2<\/li>\n<li class=\"toc-level-4\">5.5.5.5 \u305d\u306e\u4ed6\u306e\u4e2d\u6771\u30fb\u30a2\u30d5\u30ea\u30ab\u8af8\u56fd<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-5\">6. \u7af6\u5408\u60c5\u52e2<\/p>\n<ul>\n<li class=\"toc-level-2\">6.1 \u5e02\u5834\u96c6\u4e2d\u5ea6<\/li>\n<li class=\"toc-level-2\">6.2 \u6226\u7565\u7684\u52d5\u5411<\/li>\n<li class=\"toc-level-2\">6.3 \u5e02\u5834\u30b7\u30a7\u30a2\u5206\u6790<\/li>\n<li class=\"toc-level-2\">6.4 \u4f01\u696d\u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\uff08\u30b0\u30ed\u30fc\u30d0\u30eb\u30ec\u30d9\u30eb\u306e\u6982\u8981\u3001\u5e02\u5834\u30ec\u30d9\u30eb\u306e\u6982\u8981\u3001\u4e3b\u8981\u30bb\u30b0\u30e1\u30f3\u30c8\u3001\u5229\u7528\u53ef\u80fd\u306a\u8ca1\u52d9\u60c5\u5831\u3001\u6226\u7565\u60c5\u5831\u3001\u4e3b\u8981\u4f01\u696d\u306e\u5e02\u5834\u30e9\u30f3\u30af\/\u30b7\u30a7\u30a2\u3001\u88fd\u54c1\u30fb\u30b5\u30fc\u30d3\u30b9\u3001\u304a\u3088\u3073\u6700\u8fd1\u306e\u52d5\u5411\u3092\u542b\u3080\uff09\n<ul>\n<li class=\"toc-level-3\">6.4.1 Rocket Mortgage (Quicken Loans)<\/li>\n<li class=\"toc-level-3\">6.4.2 Wells Fargo &amp; Co.<\/li>\n<li class=\"toc-level-3\">6.4.3 Bank of America Corporation<\/li>\n<li class=\"toc-level-3\">6.4.4 JPMorgan Chase &amp; Co.<\/li>\n<li class=\"toc-level-3\">6.4.5 Citigroup Inc.<\/li>\n<li class=\"toc-level-3\">6.4.6 HSBC Group<\/li>\n<li class=\"toc-level-3\">6.4.7 Goldman Sachs (Marcus)<\/li>\n<li class=\"toc-level-3\">6.4.8 Charles Schwab &amp; Co.<\/li>\n<li class=\"toc-level-3\">6.4.9 Morgan Stanley<\/li>\n<li class=\"toc-level-3\">6.4.10 U.S. Bank<\/li>\n<li class=\"toc-level-3\">6.4.11 Barclays plc<\/li>\n<li class=\"toc-level-3\">6.4.12 BNP Paribas Personal Finance<\/li>\n<li class=\"toc-level-3\">6.4.13 Santander Consumer Finance<\/li>\n<li class=\"toc-level-3\">6.4.14 ANZ Bank<\/li>\n<li class=\"toc-level-3\">6.4.15 Commonwealth Bank of Australia<\/li>\n<li class=\"toc-level-3\">6.4.16 China Construction Bank<\/li>\n<li class=\"toc-level-3\">6.4.17 ICICI Bank Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.18 LIC Housing Finance Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.19 Dewan Housing Finance Corp. Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.20 Nationwide Building Society<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-6\">7. \u5e02\u5834\u6a5f\u4f1a\u3068\u5c06\u6765\u306e\u898b\u901a\u3057<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u30db\u30fc\u30e0\u30ed\u30fc\u30f3\u5e02\u5834\u306f\u30012025\u5e74\u304b\u30892030\u5e74\u307e\u3067\u306e\u6210\u9577\u30c8\u30ec\u30f3\u30c9\u3068\u4e88\u6e2c\u3092\u5206\u6790\u3057\u305f\u30ec\u30dd\u30fc\u30c8\u306b\u3088\u308b\u3068\u3001\u5805\u8abf\u306a\u62e1\u5927\u3092\u7d9a\u3051\u3066\u3044\u307e\u3059\u3002\u672c\u30ec\u30dd\u30fc\u30c8\u306f\u3001\u30ed\u30fc\u30f3\u76ee\u7684\u3001\u63d0\u4f9b\u8005\u3001\u91d1\u5229\u30bf\u30a4\u30d7\u3001\u30ed\u30fc\u30f3\u671f\u9593\u3001\u5730\u57df\u5225\u306b\u5e02\u5834\u3092\u30bb\u30b0\u30e1\u30f3\u30c8\u5316\u3057\u3001\u305d\u306e\u52d5\u5411\u3092\u8a73\u7d30\u306b\u89e3\u8aac\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u5e02\u5834\u6982\u8981\u3068\u4e3b\u8981\u6570\u5024<\/p>\n<p>\u4e16\u754c\u306e\u30db\u30fc\u30e0\u30ed\u30fc\u30f3\u5e02\u5834\u306f\u30012025\u5e74\u306b\u306f5.82\u5146\u7c73\u30c9\u30eb\u306b\u9054\u3057\u30012030\u5e74\u306b\u306f8.86\u5146\u7c73\u30c9\u30eb\u306b\u6210\u9577\u3059\u308b\u3068\u4e88\u6e2c\u3055\u308c\u3066\u304a\u308a\u3001\u4e88\u6e2c\u671f\u9593\u4e2d\u306e\u5e74\u5e73\u5747\u6210\u9577\u7387\uff08CAGR\uff09\u306f8.77%\u3067\u3059\u3002\u3053\u306e\u6210\u9577\u306f\u3001\u5805\u8abf\u306a\u4eba\u53e3\u5897\u52a0\u3001\u7740\u5b9f\u306a\u90fd\u5e02\u79fb\u4f4f\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u30ef\u30fc\u30af\u30d5\u30ed\u30fc\u306e\u6025\u901f\u306a\u30c7\u30b8\u30bf\u30eb\u5316\u306b\u3088\u3063\u3066\u652f\u3048\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u91d1\u878d\u5f15\u304d\u7de0\u3081\u72b6\u6cc1\u306b\u3082\u304b\u304b\u308f\u3089\u305a\u3001\u5e74\u9593\u878d\u8cc7\u5b9f\u884c\u984d\u306f\u5897\u52a0\u50be\u5411\u306b\u3042\u308a\u307e\u3059\u3002\u6280\u8853\u3092\u6d3b\u7528\u3057\u305f\u8cb8\u3057\u624b\u306f\u3001\u627f\u8a8d\u30b5\u30a4\u30af\u30eb\u3092\u6570\u9031\u9593\u304b\u3089\u6570\u65e5\u306b\u77ed\u7e2e\u3057\u3001\u904b\u55b6\u30b3\u30b9\u30c8\u3092\u524a\u6e1b\u3057\u3001\u7279\u306b\u30b5\u30fc\u30d3\u30b9\u304c\u884c\u304d\u5c4a\u3044\u3066\u3044\u306a\u3044\u5730\u57df\u3067\u306e\u4fe1\u7528\u30a2\u30af\u30bb\u30b9\u3092\u62e1\u5927\u3057\u3066\u3044\u307e\u3059\u3002\u65b0\u8208\u5e02\u5834\u306b\u304a\u3051\u308b\u653f\u5e9c\u652f\u63f4\u306e\u624b\u9803\u306a\u4fa1\u683c\u306e\u4f4f\u5b85\u8a08\u753b\u3084\u3001\u30a8\u30cd\u30eb\u30ae\u30fc\u52b9\u7387\u306e\u9ad8\u3044\u4f4f\u5b85\u306b\u5bfe\u3059\u308bESG\u95a2\u9023\u306e\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u3082\u3001\u501f\u308a\u624b\u5c64\u3092\u3055\u3089\u306b\u62e1\u5927\u3057\u3066\u3044\u307e\u3059\u3002\u540c\u6642\u306b\u3001\u56fd\u5883\u3092\u8d8a\u3048\u305f\u52b4\u50cd\u79fb\u52d5\u3068\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u8a3c\u5238\u5316\u306e\u5fa9\u6d3b\u306f\u3001\u5c02\u9580\u8cb8\u3057\u624b\u306b\u3068\u3063\u3066\u65b0\u305f\u306a\u53ce\u76ca\u6e90\u3092\u958b\u62d3\u3057\u3001\u9ad8\u6b62\u307e\u308a\u3059\u308b\u653f\u7b56\u91d1\u5229\u3084\u53b3\u683c\u306a\u30de\u30af\u30ed\u30d7\u30eb\u30fc\u30c7\u30f3\u30b9\u898f\u5236\u306b\u3088\u308b\u9006\u98a8\u3092\u76f8\u6bba\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u5e02\u5834\u306e\u4e3b\u8981\u306a\u52d5\u5411\u3068\u3057\u3066\u306f\u30012024\u5e74\u306b\u306f\u8cfc\u5165\u76ee\u7684\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u304c\u5e02\u5834\u30b7\u30a7\u30a2\u306e62.76%\u3092\u5360\u3081\u30012030\u5e74\u307e\u3067\u306b9.21%\u306eCAGR\u3067\u62e1\u5927\u3059\u308b\u3068\u898b\u8fbc\u307e\u308c\u3066\u3044\u307e\u3059\u3002\u63d0\u4f9b\u8005\u5225\u3067\u306f\u3001\u9280\u884c\u304c67.51%\u306e\u30b7\u30a7\u30a2\u3092\u5360\u3081\u3066\u3044\u307e\u3059\u304c\u3001\u4ee3\u66ff\u8cb8\u3057\u624b\u306f15.62%\u306eCAGR\u3067\u6700\u3082\u901f\u3044\u6210\u9577\u3092\u9042\u3052\u308b\u3068\u4e88\u6e2c\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u91d1\u5229\u30bf\u30a4\u30d7\u5225\u3067\u306f\u3001\u56fa\u5b9a\u91d1\u5229\u578b\u5546\u54c1\u304c2024\u5e74\u306b73.19%\u306e\u5e02\u5834\u898f\u6a21\u3092\u5360\u3081\u307e\u3057\u305f\u304c\u3001\u5909\u52d5\u91d1\u5229\u578b\u30bb\u30b0\u30e1\u30f3\u30c8\u306f10.22%\u306eCAGR\u3067\u6210\u9577\u3059\u308b\u3068\u4e88\u6e2c\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u30ed\u30fc\u30f3\u671f\u9593\u5225\u3067\u306f\u300120\u5e74\u8d85\u306e\u671f\u9593\u304c2024\u5e74\u306b48.88%\u306e\u5e02\u5834\u898f\u6a21\u3092\u5360\u3081\u30019.56%\u306eCAGR\u3067\u9032\u5c55\u3057\u3066\u3044\u307e\u3059\u3002\u5730\u57df\u5225\u3067\u306f\u3001\u5317\u7c73\u304c2024\u5e74\u306b40.82%\u306e\u30b7\u30a7\u30a2\u3092\u7dad\u6301\u3057\u307e\u3057\u305f\u304c\u3001\u30a2\u30b8\u30a2\u592a\u5e73\u6d0b\u5730\u57df\u304c10.27%\u306eCAGR\u3067\u6700\u3082\u901f\u304f\u6210\u9577\u3059\u308b\u3068\u4e88\u6e2c\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u5e02\u5834\u3092\u727d\u5f15\u3059\u308b\u8981\u56e0<\/p>\n<p>\u5e02\u5834\u306e\u6210\u9577\u3092\u727d\u5f15\u3059\u308b\u4e3b\u306a\u8981\u56e0\u306f\u8907\u6570\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>*   \u30c7\u30b8\u30bf\u30eb\u30d5\u30a1\u30fc\u30b9\u30c8\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306e\u6025\u901f\u306a\u53f0\u982d: \u30c7\u30b8\u30bf\u30eb\u30d5\u30a1\u30fc\u30b9\u30c8\u306e\u8cb8\u3057\u624b\u306f\u3001\u7533\u8acb\u30b5\u30a4\u30af\u30eb\u3092\u6700\u592720\u5206\u306e1\u306b\u77ed\u7e2e\u3057\u3001\u51e6\u7406\u8cbb\u7528\u3092\u7d0480%\u524a\u6e1b\u3059\u308b\u3053\u3068\u3067\u3001\u8cb8\u3057\u624b\u304c\u7af6\u4e89\u529b\u306e\u3042\u308b\u4fa1\u683c\u8a2d\u5b9a\u3092\u884c\u3044\u306a\u304c\u3089\u5229\u76ca\u7387\u3092\u5411\u4e0a\u3055\u305b\u308b\u3053\u3068\u3092\u53ef\u80fd\u306b\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u652f\u5e97\u7db2\u304c\u975e\u7d4c\u6e08\u7684\u306a\u5730\u57df\u3067\u3082\u501f\u308a\u624b\u306b\u30ea\u30fc\u30c1\u3057\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u5e02\u5834\u3092\u62e1\u5927\u3057\u3066\u3044\u307e\u3059\u3002\u81ea\u52d5\u5316\u3055\u308c\u305f\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u5206\u6790\u306f\u3001\u9867\u5ba2\u7372\u5f97\u30b3\u30b9\u30c8\u3092\u524a\u6e1b\u3057\u3001\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u7387\u3092\u9ad8\u3081\u3001\u6301\u7d9a\u7684\u306a\u30b7\u30a7\u30a2\u7372\u5f97\u3092\u652f\u63f4\u3057\u3066\u3044\u307e\u3059\u3002<br \/>\n*   AI\u3092\u6d3b\u7528\u3057\u305f\u4fe1\u7528\u30b9\u30b3\u30a2\u30ea\u30f3\u30b0\u306b\u3088\u308b\u501f\u308a\u624b\u5c64\u306e\u62e1\u5927: \u6a5f\u68b0\u5b66\u7fd2\u30e2\u30c7\u30eb\u306f\u3001\u8cc3\u8cb8\u5c65\u6b74\u3001\u516c\u5171\u6599\u91d1\u306e\u652f\u6255\u3044\u3001\u30ae\u30b0\u30a8\u30b3\u30ce\u30df\u30fc\u306e\u53ce\u5165\u306a\u3069\u3092\u5206\u6790\u3057\u3001\u5f93\u6765\u306e\u30b9\u30b3\u30a2\u3092\u8d85\u3048\u3066\u4fe1\u7528\u5ea6\u3092\u8a55\u4fa1\u3059\u308b\u3053\u3068\u3067\u3001\u3053\u308c\u307e\u3067\u9664\u5916\u3055\u308c\u3066\u3044\u305f\u5c64\u304c\u8cac\u4efb\u3092\u6301\u3063\u3066\u878d\u8cc7\u3092\u53d7\u3051\u3089\u308c\u308b\u3088\u3046\u306b\u3057\u3066\u3044\u307e\u3059\u3002\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u306e\u4e0d\u6b63\u691c\u51fa\u306f\u30ea\u30b9\u30af\u7ba1\u7406\u3092\u5f37\u5316\u3057\u3001\u898f\u5236\u8981\u4ef6\u306b\u9069\u5408\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u30a2\u30d7\u30ed\u30fc\u30c1\u306f\u3001\u7279\u306b\u81ea\u55b6\u696d\u8005\u306b\u3068\u3063\u3066\u6709\u76ca\u3067\u3042\u308a\u3001\u5b9f\u8cea\u7684\u306a\u4f4f\u5b85\u30ed\u30fc\u30f3\u5e02\u5834\u3092\u62e1\u5927\u3057\u3066\u3044\u307e\u3059\u3002<br \/>\n*   \u653f\u5e9c\u652f\u63f4\u306b\u3088\u308b\u624b\u9803\u306a\u4fa1\u683c\u306e\u4f4f\u5b85\u63a8\u9032: \u30a4\u30f3\u30c9\u306e\u300c\u30d7\u30e9\u30c0\u30f3\u30fb\u30de\u30f3\u30c8\u30ea\u30fb\u30a2\u30ef\u30b9\u30fb\u30e8\u30b8\u30e3\u30ca\u300d\u306e\u3088\u3046\u306a\u91ce\u5fc3\u7684\u306a\u53d6\u308a\u7d44\u307f\u306f\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u9700\u8981\u306e\u5de8\u5927\u306a\u30d1\u30a4\u30d7\u30e9\u30a4\u30f3\u3092\u4fdd\u8a3c\u3057\u3066\u3044\u307e\u3059\u3002\u30b1\u30cb\u30a2\u306e\u30d7\u30ed\u30b0\u30e9\u30e0\u306f\u3001\u5e74\u959325\u4e07\u6238\u306e\u4f4f\u5b85\u3092\u8cc7\u91d1\u63d0\u4f9b\u3057\u3001\u4e88\u6e2c\u53ef\u80fd\u306a\u30ec\u30f3\u30c8\u30fb\u30c8\u30a5\u30fb\u30aa\u30a6\u30f3\uff08\u8cc3\u8cb8\u304b\u3089\u8cfc\u5165\u3078\uff09\u306e\u4ed5\u7d44\u307f\u3092\u69cb\u7bc9\u3057\u3066\u3044\u307e\u3059\u3002\u88dc\u52a9\u91d1\u4ed8\u304d\u91d1\u5229\u3068\u4fe1\u7528\u4fdd\u8a3c\u306f\u8cb8\u3057\u51fa\u3057\u306e\u30ea\u30b9\u30af\u3092\u8efd\u6e1b\u3057\u3001\u9280\u884c\u3084\u4f4f\u5b85\u91d1\u878d\u4f1a\u793e\u304c\u898f\u6a21\u3092\u62e1\u5927\u3059\u308b\u3053\u3068\u3092\u5968\u52b1\u3057\u3066\u3044\u307e\u3059\u3002<br \/>\n*   \u30b0\u30ea\u30fc\u30f3\u30db\u30fc\u30e0\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u306e\u52a0\u901f: \u82f1\u56fd\u3001\u30c9\u30a4\u30c4\u3001\u7c73\u56fd\u306e\u5927\u624b\u8cb8\u3057\u624b\u306f\u3001\u6700\u9ad8\u30ec\u30d9\u30eb\u306e\u30a8\u30cd\u30eb\u30ae\u30fc\u6027\u80fd\u8a8d\u8a3c\u3092\u53d6\u5f97\u3057\u305f\u7269\u4ef6\u306b\u5bfe\u3057\u3001\u91d1\u5229\u512a\u9047\u3084\u30ad\u30e3\u30c3\u30b7\u30e5\u30d0\u30c3\u30af\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002\u7c73\u56fd\u306e\u30a4\u30f3\u30d5\u30ec\u524a\u6e1b\u6cd5\u306f\u3001\u5bfe\u8c61\u3068\u306a\u308b\u6539\u4fee\u306b\u5bfe\u3059\u308b\u7a0e\u984d\u63a7\u9664\u3092\u901a\u3058\u3066\u7d4c\u6e08\u6027\u3092\u9ad8\u3081\u3001\u30d0\u30f3\u30c9\u30eb\u3055\u308c\u305f\u91d1\u878d\u5546\u54c1\u3092\u9b45\u529b\u7684\u306b\u3057\u3066\u3044\u307e\u3059\u3002\u30a8\u30cd\u30eb\u30ae\u30fc\u52b9\u7387\u3068\u4f4e\u3044\u30c7\u30d5\u30a9\u30eb\u30c8\u7387\u3068\u306e\u95a2\u9023\u6027\u306b\u95a2\u3059\u308b\u7814\u7a76\u306f\u3001\u30b0\u30ea\u30fc\u30f3\u4f4f\u5b85\u30ed\u30fc\u30f3\u62c5\u4fdd\u8a3c\u5238\u3078\u306e\u6295\u8cc7\u5bb6\u306e\u95a2\u5fc3\u3092\u3055\u3089\u306b\u9ad8\u3081\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u5e02\u5834\u306e\u6291\u5236\u8981\u56e0<\/p>\n<p>\u4e00\u65b9\u3067\u3001\u5e02\u5834\u306e\u6210\u9577\u3092\u6291\u5236\u3059\u308b\u8981\u56e0\u3082\u78ba\u8a8d\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>*   \u9ad8\u6b62\u307e\u308a\u3059\u308b\u653f\u7b56\u91d1\u5229: \u7c73\u56fd\u306e30\u5e74\u56fa\u5b9a\u4f4f\u5b85\u30ed\u30fc\u30f3\u91d1\u5229\u306f2025\u5e741\u6708\u4ee5\u964d7%\u4ee5\u4e0a\u3067\u63a8\u79fb\u3057\u3066\u304a\u308a\u30012026\u5e74\u307e\u30676%\u4ee5\u4e0a\u3067\u63a8\u79fb\u3059\u308b\u3068\u5e83\u304f\u4e88\u60f3\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u4f4f\u5b85\u8cfc\u5165\u306e\u3057\u3084\u3059\u3055\u3084\u501f\u308a\u63db\u3048\u91cf\u3092\u6291\u5236\u3057\u3066\u3044\u307e\u3059\u3002\u540c\u69d8\u306e\u5727\u529b\u306f\u82f1\u56fd\u3067\u3082\u898b\u3089\u308c\u3001\u6839\u5f37\u3044\u30a4\u30f3\u30d5\u30ec\u61f8\u5ff5\u306e\u4e2d\u3067\u30a4\u30f3\u30b0\u30e9\u30f3\u30c9\u9280\u884c\u306f\u5b9f\u8cea\u7684\u306a\u5229\u4e0b\u3052\u3092\u9045\u3089\u305b\u3066\u3044\u307e\u3059\u3002\u30e6\u30fc\u30ed\u570f\u306e\u5e73\u5747\u91d1\u5229\u306f\u7d044%\u306b\u4e0a\u6607\u3057\u3001\u30ab\u30ca\u30c0\u306e\u501f\u308a\u624b\u306f\u4eca\u5f8c1\u5e74\u9593\u30673,000\u5104\u7c73\u30c9\u30eb\u76f8\u5f53\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u304c\u30ea\u30bb\u30c3\u30c8\u3055\u308c\u308b\u305f\u3081\u3001\u652f\u6255\u3044\u30b7\u30e7\u30c3\u30af\u306b\u76f4\u9762\u3057\u3066\u3044\u307e\u3059\u3002\u9ad8\u91d1\u5229\u306f\u6f5c\u5728\u7684\u306a\u8cfc\u5165\u8005\u3092\u601d\u3044\u3068\u3069\u307e\u3089\u305b\u3001\u65e2\u5b58\u306e\u6240\u6709\u8005\u3092\u4f4e\u91d1\u5229\u30ed\u30fc\u30f3\u306b\u56fa\u5b9a\u3057\u3001\u53d6\u5f15\u91cf\u3092\u6291\u5236\u3057\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u5e02\u5834\u306e\u62e1\u5927\u3092\u9045\u3089\u305b\u3066\u3044\u307e\u3059\u3002<br \/>\n*   \u30de\u30af\u30ed\u30d7\u30eb\u30fc\u30c7\u30f3\u30b9\u898f\u5236\u306e\u5f37\u5316: \u30ab\u30ca\u30c0\u306e2018\u5e74\u30b9\u30c8\u30ec\u30b9\u30c6\u30b9\u30c8\u5c0e\u5165\u306f\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u7533\u8acb\u8005\u304c\u3088\u308a\u9ad8\u3044\u91d1\u5229\u3067\u8fd4\u6e08\u80fd\u529b\u3092\u8a3c\u660e\u3059\u308b\u3053\u3068\u3092\u7fa9\u52d9\u4ed8\u3051\u3001\u501f\u308a\u5165\u308c\u80fd\u529b\u3092\u4f4e\u4e0b\u3055\u305b\u307e\u3057\u305f\u3002\u540c\u69d8\u306b\u3001\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u6e96\u5099\u9280\u884c\u306f\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u8cb8\u4ed8\u306b\u304a\u3051\u308b\u9ad8LVR\uff08Loan-to-Value Ratio\uff09\u8cb8\u4ed8\u306e\u5236\u9650\u3092\u5f37\u5316\u3057\u3001\u5e02\u5834\u306e\u6d41\u52d5\u6027\u3092\u6291\u5236\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u898f\u5236\u306f\u3001\u91d1\u878d\u30b7\u30b9\u30c6\u30e0\u306e\u5b89\u5b9a\u6027\u3092\u9ad8\u3081\u308b\u3053\u3068\u3092\u76ee\u7684\u3068\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u540c\u6642\u306b\u4f4f\u5b85\u30ed\u30fc\u30f3\u5e02\u5834\u306e\u6210\u9577\u3092\u920d\u5316\u3055\u305b\u308b\u8981\u56e0\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u4e16\u754c\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u5e02\u5834\u306b\u95a2\u3059\u308b\u672c\u30ec\u30dd\u30fc\u30c8\u306f\u3001\u500b\u4eba\u3084\u5bb6\u65cf\u304c\u4f4f\u5b85\u306e\u8cfc\u5165\u307e\u305f\u306f\u501f\u308a\u63db\u3048\u306e\u305f\u3081\u306b\u91d1\u878d\u6a5f\u95a2\u304b\u3089\u8cc7\u91d1\u3092\u501f\u308a\u5165\u308c\u308b\u91d1\u878d\u5e02\u5834\u3092\u5bfe\u8c61\u3068\u3057\u3066\u3044\u307e\u3059\u3002\u4f4f\u5b85\u30ed\u30fc\u30f3\u306f\u901a\u5e38\u3001\u6570\u5e74\u304b\u3089\u6570\u5341\u5e74\u304b\u3051\u3066\u8fd4\u6e08\u3055\u308c\u308b\u9577\u671f\u30ed\u30fc\u30f3\u3067\u3059\u3002<\/p>\n<p>\u5e02\u5834\u306f\u3001\u63d0\u4f9b\u8005\uff08\u9280\u884c\u3001\u4f4f\u5b85\u91d1\u878d\u4f1a\u793e\u3001\u305d\u306e\u4ed6\uff09\u3001\u91d1\u5229\uff08\u56fa\u5b9a\u91d1\u5229\u3001\u5909\u52d5\u91d1\u5229\uff09\u3001\u671f\u9593\uff0810\u5e74\u4ee5\u4e0b\u300111\uff5e20\u5e74\u300120\u5e74\u8d85\uff09\u3001\u304a\u3088\u3073\u5730\u57df\uff08\u5317\u7c73\u3001\u5357\u7c73\u3001\u6b27\u5dde\u3001\u30a2\u30b8\u30a2\u592a\u5e73\u6d0b\u3001\u4e2d\u6771\u30fb\u30a2\u30d5\u30ea\u30ab\uff09\u306b\u3088\u3063\u3066\u8a73\u7d30\u306b\u30bb\u30b0\u30e1\u30f3\u30c8\u5316\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u878d\u8cc7\u76ee\u7684\u5225\u3067\u306f\u3001\u8cfc\u5165\uff08\u65b0\u7bc9\/\u65e2\u5b58\uff09\u3001\u4f4f\u5b85\u6539\u4fee\/\u30ea\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u3001\u305d\u306e\u4ed6\uff08\u5efa\u8a2d\u3001\u501f\u308a\u63db\u3048\u306a\u3069\uff09\u306b\u5206\u985e\u3055\u308c\u307e\u3059\u3002<\/p>\n<p>\u672c\u30ec\u30dd\u30fc\u30c8\u306b\u3088\u308b\u3068\u3001\u4e16\u754c\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u5e02\u5834\u306f2025\u5e74\u306b5.82\u5146\u7c73\u30c9\u30eb\u306e\u8a55\u4fa1\u984d\u306b\u9054\u3057\u30012030\u5e74\u307e\u3067\u306b8.86\u5146\u7c73\u30c9\u30eb\u306b\u6210\u9577\u3059\u308b\u3068\u4e88\u6e2c\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u5e02\u5834\u306e\u4e3b\u8981\u306a\u63a8\u9032\u8981\u56e0\u3068\u3057\u3066\u306f\u3001\u4ee5\u4e0b\u306e\u70b9\u304c\u6319\u3052\u3089\u308c\u307e\u3059\u3002<br \/>\n*   \u30c7\u30b8\u30bf\u30eb\u30d5\u30a1\u30fc\u30b9\u30c8\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u7d44\u6210\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306e\u6025\u901f\u306a\u53f0\u982d\u3002<br \/>\n*   AI\u3092\u6d3b\u7528\u3057\u305f\u4fe1\u7528\u30b9\u30b3\u30a2\u30ea\u30f3\u30b0\u306b\u3088\u308b\u501f\u308a\u624b\u5c64\u306e\u62e1\u5927\u3002<br \/>\n*   \u65b0\u8208\u5e02\u5834\u306b\u304a\u3051\u308b\u653f\u5e9c\u652f\u63f4\u306e\u4f4e\u4fa1\u683c\u4f4f\u5b85\u63a8\u9032\u3002<br \/>\n*   \u30b0\u30ea\u30fc\u30f3\u30db\u30fc\u30e0\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u3084ESG\uff08\u74b0\u5883\u30fb\u793e\u4f1a\u30fb\u30ac\u30d0\u30ca\u30f3\u30b9\uff09\u306b\u9023\u52d5\u3057\u305f\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u52a0\u901f\u3002<br \/>\n*   \u56fd\u5883\u3092\u8d8a\u3048\u305f\u52b4\u50cd\u79fb\u52d5\u306b\u3088\u308b\u99d0\u5728\u54e1\u306e\u4f4f\u5b85\u8cfc\u5165\u9700\u8981\u306e\u5897\u52a0\u3002<br \/>\n*   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