{"id":5035,"date":"2026-09-09T10:00:43","date_gmt":"2026-09-09T01:00:43","guid":{"rendered":"https:\/\/credi-tech.co.jp\/article\/?p=5035"},"modified":"2026-09-09T14:04:51","modified_gmt":"2026-09-09T05:04:51","slug":"%e3%80%90%e5%ae%9f%e9%8c%b2%e3%80%91%e3%83%9e%e3%83%ac%e3%83%bc%e3%82%b7%e3%82%a2%e7%94%9f%e6%b4%bb%e3%81%ae%e5%bf%85%e9%9c%80%e5%93%81%e3%81%a7%e3%81%82%e3%82%8b%e8%bb%8a%e3%82%92%e8%b2%b7%e3%81%a3","status":"publish","type":"post","link":"https:\/\/credi-tech.co.jp\/article\/abroad\/5035\/","title":{"rendered":"\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u5916\u56fd\u4eba\u304c\u8eca\u3092\u8cb7\u3046\u306b\u306f\uff1f\u30ab\u30fc\u30ed\u30fc\u30f3\u306e\u6761\u4ef6\u30fb\u91d1\u5229\u30fb\u8cfc\u5165\u65b9\u6cd5\u3092\u5b9f\u4f53\u9a13\u304b\u3089\u89e3\u8aac"},"content":{"rendered":"<p>\u30de\u30ec\u30fc\u30b7\u30a2\u3078\u79fb\u4f4f\u3059\u308b\u3068\u3001\u300c\u8eca\u3092\u8cb7\u3046\u3079\u304d\u304b\u300d\u306f\u591a\u304f\u306e\u4eba\u304c\u4e00\u5ea6\u306f\u8003\u3048\u308b\u554f\u984c\u3067\u3059\u3002\u30af\u30a2\u30e9\u30eb\u30f3\u30d7\u30fc\u30eb\u4e2d\u5fc3\u90e8\u3067\u306f\u96fb\u8eca\u3084Grab\u3092\u4f7f\u3063\u3066\u751f\u6d3b\u3059\u308b\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u304c\u3001\u4ed5\u4e8b\u3084\u8cb7\u3044\u7269\u3001\u5bb6\u65cf\u3067\u306e\u79fb\u52d5\u3001\u90ca\u5916\u3078\u306e\u79fb\u52d5\u307e\u3067\u8003\u3048\u308b\u3068\u3001\u8eca\u3092\u6301\u3064\u3053\u3068\u3067\u884c\u52d5\u7bc4\u56f2\u306f\u5927\u304d\u304f\u5e83\u304c\u308a\u307e\u3059\u3002<\/p>\n<p>\u7b46\u8005\u81ea\u8eab\u3082\u30de\u30ec\u30fc\u30b7\u30a2\u3067<strong>Proton X50\u3092\u8cfc\u5165\u3057\u3001\u5916\u56fd\u4eba\u3068\u3057\u3066\u30ab\u30fc\u30ed\u30fc\u30f3\u3092\u5229\u7528<\/strong>\u3057\u307e\u3057\u305f\u3002\u5916\u56fd\u4eba\u3067\u3082\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u30ab\u30fc\u30ed\u30fc\u30f3\u3092\u5229\u7528\u3059\u308b\u3053\u3068\u306f\u53ef\u80fd\u3067\u3059\u304c\u3001\u30de\u30ec\u30fc\u30b7\u30a2\u4eba\u3068\u307e\u3063\u305f\u304f\u540c\u3058\u6761\u4ef6\u3067\u501f\u308a\u3089\u308c\u308b\u3068\u306f\u9650\u308a\u307e\u305b\u3093\u3002\u30d3\u30b6\u3001\u53ce\u5165\u3001\u52e4\u52d9\u5148\u3001\u9280\u884c\u3068\u306e\u53d6\u5f15\u72b6\u6cc1\u3001\u4fdd\u8a3c\u4eba\u306a\u3069\u306b\u3088\u3063\u3066\u5be9\u67fb\u6761\u4ef6\u304c\u5909\u308f\u308a\u307e\u3059\u3002<\/p>\n<p>\u3055\u3089\u306b2026\u5e74\u306b\u306f\u30de\u30ec\u30fc\u30b7\u30a2\u306eHire-Purchase\u5236\u5ea6\u304c\u5927\u304d\u304f\u6539\u6b63\u3055\u308c\u3001\u5f93\u6765\u306eFlat Rate \/ Rule of 78\u304b\u3089\u3001Reducing Balance\u3084Effective Interest Rate\uff08EIR\uff09\u3092\u91cd\u8996\u3059\u308b\u4ed5\u7d44\u307f\u3078\u306e\u79fb\u884c\u304c\u59cb\u307e\u308a\u307e\u3057\u305f\u3002\u672c\u8a18\u4e8b\u3067\u306f\u3001\u5b9f\u969b\u306b\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u8eca\u3092\u8cfc\u5165\u3057\u305f\u7d4c\u9a13\u3092\u3082\u3068\u306b\u3001\u5916\u56fd\u4eba\u306e\u30ab\u30fc\u30ed\u30fc\u30f3\u3001\u8eca\u9078\u3073\u3001\u8cfc\u5165\u304b\u3089\u7d0d\u8eca\u307e\u3067\u306e\u6d41\u308c\u3001\u305d\u3057\u30662026\u5e74\u306e\u5236\u5ea6\u6539\u6b63\u307e\u3067\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<h2>1\uff0e\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u306f\u8eca\u3092\u8cb7\u3046\u3079\u304d\uff1f<\/h2>\n<h3>\u30de\u30ec\u30fc\u30b7\u30a2\u306f\u8eca\u304c\u3042\u308b\u3068\u751f\u6d3b\u570f\u304c\u5927\u304d\u304f\u5e83\u304c\u308b<\/h3>\n<p>\u30af\u30a2\u30e9\u30eb\u30f3\u30d7\u30fc\u30eb\u306b\u306fMRT\u3001LRT\u3001Monorail\u306a\u3069\u306e\u516c\u5171\u4ea4\u901a\u6a5f\u95a2\u304c\u3042\u308a\u3001Grab\u306a\u3069\u306e\u914d\u8eca\u30b5\u30fc\u30d3\u30b9\u3082\u666e\u53ca\u3057\u3066\u3044\u307e\u3059\u3002\u305d\u306e\u305f\u3081KLCC\u306a\u3069\u306e\u90fd\u5fc3\u90e8\u306b\u4f4f\u307f\u3001\u65e5\u5e38\u306e\u884c\u52d5\u7bc4\u56f2\u304c\u9650\u3089\u308c\u3066\u3044\u308b\u306e\u3067\u3042\u308c\u3070\u3001\u5fc5\u305a\u3057\u3082\u8eca\u304c\u5fc5\u8981\u3068\u306f\u9650\u308a\u307e\u305b\u3093\u3002\u4e00\u65b9\u3067\u3001\u90ca\u5916\u3078\u306e\u901a\u52e4\u3001\u5b50\u3069\u3082\u306e\u9001\u8fce\u3001\u30b4\u30eb\u30d5\u3001\u8cb7\u3044\u7269\u3001\u56fd\u5185\u65c5\u884c\u306a\u3069\u307e\u3067\u8003\u3048\u308b\u3068\u3001\u8eca\u3092\u6240\u6709\u3059\u308b\u30e1\u30ea\u30c3\u30c8\u306f\u304b\u306a\u308a\u5927\u304d\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<h3>\u77ed\u671f\u6ede\u5728\u306a\u3089Grab\u3084\u30ec\u30f3\u30bf\u30ab\u30fc\u3082\u9078\u629e\u80a2<\/h3>\n<p>\u6570\u30ab\u6708\u304b\u30891\uff5e2\u5e74\u7a0b\u5ea6\u306e\u6ede\u5728\u3067\u3042\u308c\u3070\u3001\u8cfc\u5165\u3060\u3051\u3067\u306a\u304fGrab\u3001\u30ec\u30f3\u30bf\u30ab\u30fc\u3001\u30ab\u30fc\u30b7\u30a7\u30a2\u306a\u3069\u3068\u6bd4\u8f03\u3057\u3066\u5224\u65ad\u3059\u308b\u3079\u304d\u3067\u3057\u3087\u3046\u3002\u8eca\u3092\u8cfc\u5165\u3059\u308b\u3068\u3001\u8eca\u4e21\u4ee3\u3060\u3051\u3067\u306f\u306a\u304f\u81ea\u52d5\u8eca\u4fdd\u967a\u3001Road Tax\u3001Maintenance\u3001\u99d0\u8eca\u5834\u306a\u3069\u306e\u8cbb\u7528\u3082\u767a\u751f\u3057\u307e\u3059\u3002<\/p>\n<p>\u3057\u305f\u304c\u3063\u3066\u300c2\u5e74\u4ee5\u4e0a\u4f4f\u3080\u306a\u3089\u5fc5\u305a\u8cfc\u5165\u3057\u305f\u65b9\u304c\u5f97\u300d\u3068\u4e00\u5f8b\u306b\u5224\u65ad\u3059\u308b\u306e\u3067\u306f\u306a\u304f\u3001<strong>\u6ede\u5728\u671f\u9593\u3068\u5b9f\u969b\u306e\u8eca\u306e\u5229\u7528\u983b\u5ea6<\/strong>\u304b\u3089\u8003\u3048\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n<h3>\u8cfc\u5165\u3059\u308b\u306a\u3089\u30ea\u30bb\u30fc\u30eb\u307e\u3067\u8003\u3048\u308b<\/h3>\n<p>\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u8eca\u3092\u8cfc\u5165\u3059\u308b\u3068\u304d\u306f\u3001\u8cfc\u5165\u4fa1\u683c\u3060\u3051\u3092\u898b\u308b\u306e\u3067\u306f\u306a\u304f\u3001\u5c06\u6765\u3044\u304f\u3089\u3067\u58f2\u5374\u3067\u304d\u308b\u304b\u3082\u91cd\u8981\u3067\u3059\u3002\u300c\u5b89\u304f\u8cb7\u3048\u308b\u8eca\u300d\u3067\u306f\u306a\u304f\u3001\u4fdd\u967a\u30fbRoad Tax\u30fbMaintenance\u30fb\u30ed\u30fc\u30f3\u91d1\u5229\u306a\u3069\u306e\u4fdd\u6709\u30b3\u30b9\u30c8\u304b\u3089\u5c06\u6765\u306e\u58f2\u5374\u4fa1\u683c\u3092\u5dee\u3057\u5f15\u3044\u305f\u3001<strong>Total Cost of Ownership<\/strong>\u3067\u8003\u3048\u308b\u3068\u5224\u65ad\u3057\u3084\u3059\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<table>\n<thead>\n<tr>\n<th>\u9805\u76ee<\/th>\n<th>\u8003\u3048\u308b\u30dd\u30a4\u30f3\u30c8<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u8eca\u4e21\u8cfc\u5165\u4fa1\u683c<\/td>\n<td>\u65b0\u8eca\u30fb\u4e2d\u53e4\u8eca\u306e\u8cfc\u5165\u4fa1\u683c<\/td>\n<\/tr>\n<tr>\n<td>\u4fdd\u967a\u30fbRoad Tax<\/td>\n<td>\u6bce\u5e74\u767a\u751f\u3059\u308b\u4fdd\u6709\u30b3\u30b9\u30c8<\/td>\n<\/tr>\n<tr>\n<td>Maintenance<\/td>\n<td>\u70b9\u691c\u30fb\u4fee\u7406\u30fb\u30bf\u30a4\u30e4\u7b49<\/td>\n<\/tr>\n<tr>\n<td>\u30ed\u30fc\u30f3\u91d1\u5229<\/td>\n<td>Hire Purchase\u306e\u7dcf\u652f\u6255\u984d<\/td>\n<\/tr>\n<tr>\n<td>\u58f2\u5374\u4fa1\u683c<\/td>\n<td>\u5c06\u6765\u306e\u30ea\u30bb\u30fc\u30eb\u30d0\u30ea\u30e5\u30fc<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>2\uff0e\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u8cb7\u3046\u306a\u3089\u56fd\u7523\u8eca\u30fb\u65e5\u672c\u8eca\u30fb\u8f38\u5165\u8eca\u306e\u3069\u308c\uff1f<\/h2>\n<h3>Proton\u30fbPerodua\u306f\u30b3\u30b9\u30c8\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u304c\u9ad8\u3044<\/h3>\n<p>\u30de\u30ec\u30fc\u30b7\u30a2\u3092\u4ee3\u8868\u3059\u308b\u81ea\u52d5\u8eca\u30d6\u30e9\u30f3\u30c9\u304cProton\u3068Perodua\u3067\u3059\u3002\u65e5\u672c\u4eba\u304b\u3089\u3059\u308b\u3068\u6d77\u5916\u30e1\u30fc\u30ab\u30fc\u3067\u3059\u304c\u3001\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u306f\u975e\u5e38\u306b\u591a\u304f\u8d70\u3063\u3066\u304a\u308a\u3001\u8eca\u4e21\u4fa1\u683c\u3001\u90e8\u54c1\u4f9b\u7d66\u3001Maintenance\u306a\u3069\u3092\u542b\u3081\u3066\u9078\u629e\u80a2\u306b\u5165\u308a\u3084\u3059\u3044\u8eca\u3067\u3059\u3002\u7b46\u8005\u81ea\u8eab\u3082<strong>Proton X50<\/strong>\u3092\u8cfc\u5165\u3057\u3001\u65e5\u5e38\u751f\u6d3b\u3060\u3051\u3067\u306a\u304f\u4ed5\u4e8b\u3067\u3082\u4f7f\u7528\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<h3>Toyota\u30fbHonda\u30fbMazda\u306a\u3069\u306e\u65e5\u672c\u8eca\u3082\u4eba\u6c17<\/h3>\n<p>\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u306fToyota\u3084Honda\u3092\u4e2d\u5fc3\u306b\u65e5\u672c\u8eca\u3082\u5e83\u304f\u666e\u53ca\u3057\u3066\u3044\u307e\u3059\u3002\u8cfc\u5165\u4fa1\u683c\u3060\u3051\u3067\u306a\u304f\u3001\u6545\u969c\u30ea\u30b9\u30af\u3001Maintenance\u3001\u90e8\u54c1\u4f9b\u7d66\u3001\u4e2d\u53e4\u8eca\u5e02\u5834\u3067\u306e\u9700\u8981\u306a\u3069\u3092\u7dcf\u5408\u7684\u306b\u8003\u3048\u308b\u3068\u3001\u65e5\u672c\u8eca\u306f\u9577\u671f\u4fdd\u6709\u3067\u3082\u691c\u8a0e\u3057\u3084\u3059\u3044\u9078\u629e\u80a2\u3067\u3059\u3002<\/p>\n<h3>\u8f38\u5165\u8eca\u306f\u8cfc\u5165\u5f8c\u306e\u30b3\u30b9\u30c8\u307e\u3067\u78ba\u8a8d\u3059\u308b<\/h3>\n<p>Mercedes-Benz\u3084BMW\u306a\u3069\u306e\u8f38\u5165\u8eca\u3082\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u306f\u591a\u304f\u898b\u304b\u3051\u307e\u3059\u3002\u305f\u3060\u3057\u8eca\u4e21\u4fa1\u683c\u3060\u3051\u3067\u306f\u306a\u304f\u3001\u4fdd\u967a\u3001Maintenance\u3001\u4fee\u7406\u8cbb\u3001\u90e8\u54c1\u4ee3\u3001\u305d\u3057\u3066\u58f2\u5374\u6642\u306e\u30ea\u30bb\u30fc\u30eb\u307e\u3067\u542b\u3081\u3066\u6bd4\u8f03\u3059\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n<p>\u7279\u306b\u6d77\u5916\u751f\u6d3b\u3067\u306f\u3001\u5c06\u6765\u7684\u306b\u5e30\u56fd\u3084\u7b2c\u4e09\u56fd\u3078\u306e\u79fb\u4f4f\u306b\u3088\u3063\u3066\u8eca\u3092\u58f2\u5374\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u306e\u305f\u3081\u8cfc\u5165\u6642\u304b\u3089Exit\u307e\u3067\u8003\u3048\u3066\u8eca\u7a2e\u3092\u9078\u3076\u3053\u3068\u3092\u304a\u3059\u3059\u3081\u3057\u307e\u3059\u3002<\/p>\n<h2>3\uff0e\u5916\u56fd\u4eba\u3067\u3082\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u30ab\u30fc\u30ed\u30fc\u30f3\u306f\u7d44\u3081\u308b<\/h2>\n<h3>\u5916\u56fd\u4eba\u3060\u304b\u3089\u4e00\u5f8b\u300c\u30ed\u30fc\u30f360\uff05\u307e\u3067\u300d\u3067\u306f\u306a\u3044<\/h3>\n<p>\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u306f\u5916\u56fd\u4eba\u3067\u3082\u30ab\u30fc\u30ed\u30fc\u30f3\uff08Hire Purchase\uff09\u3092\u5229\u7528\u3067\u304d\u307e\u3059\u3002\u305f\u3060\u3057\u300c\u5916\u56fd\u4eba\u306f\u6700\u592760\uff05\u307e\u3067\u300d\u306a\u3069\u3001\u30de\u30ec\u30fc\u30b7\u30a2\u5168\u4f53\u3067\u7d71\u4e00\u3055\u308c\u305f\u501f\u5165\u6bd4\u7387\u304c\u6c7a\u3081\u3089\u308c\u3066\u3044\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u91d1\u878d\u6a5f\u95a2\u3001\u8eca\u4e21\u3001\u30d3\u30b6\u3001\u52e4\u52d9\u5148\u3001\u53ce\u5165\u3001\u4fe1\u7528\u72b6\u6cc1\u3001\u4fdd\u8a3c\u4eba\u306e\u6709\u7121\u306a\u3069\u306b\u3088\u3063\u3066\u3001\u5b9f\u969b\u306e\u878d\u8cc7\u6761\u4ef6\u306f\u5909\u308f\u308a\u307e\u3059\u3002<\/p>\n<p>\u3057\u305f\u304c\u3063\u3066\u5916\u56fd\u4eba\u306e\u5834\u5408\u306f\u3001\u8eca\u4e21\u4fa1\u683c\u306e\u4e00\u90e8\u3092\u81ea\u5df1\u8cc7\u91d1\u3068\u3057\u3066\u6e96\u5099\u3057\u305f\u3046\u3048\u3067\u3001\u8907\u6570\u306e\u91d1\u878d\u6a5f\u95a2\u3084\u30c7\u30a3\u30fc\u30e9\u30fc\u306b\u6761\u4ef6\u3092\u78ba\u8a8d\u3059\u308b\u3053\u3068\u3092\u304a\u3059\u3059\u3081\u3057\u307e\u3059\u3002<\/p>\n<h3>\u5916\u56fd\u4eba\u306b\u6c42\u3081\u3089\u308c\u308b\u4e3b\u306a\u66f8\u985e<\/h3>\n<p>\u9280\u884c\u306b\u3088\u3063\u3066\u7570\u306a\u308a\u307e\u3059\u304c\u3001\u4e00\u822c\u7684\u306b\u306fPassport\u3001Employment Pass\u306a\u3069\u306e\u6ede\u5728\u8cc7\u683c\u3001Employment Letter \/ Contract Letter\u3001Driving Licence\u3001Salary Slip\u306a\u3069\u306e\u53ce\u5165\u8a3c\u660e\u3001Bank Statement\u306a\u3069\u3092\u6c42\u3081\u3089\u308c\u307e\u3059\u3002\u307e\u305f\u3001\u9280\u884c\u306b\u3088\u3063\u3066\u306fLocal Guarantor\uff08\u30de\u30ec\u30fc\u30b7\u30a2\u56fd\u5185\u306e\u4fdd\u8a3c\u4eba\uff09\u304c\u5fc5\u8981\u306b\u306a\u308b\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<h3>\u9280\u884c\u306b\u3088\u3063\u3066\u4fdd\u8a3c\u4eba\u306e\u6761\u4ef6\u3082\u9055\u3046<\/h3>\n<p>\u5916\u56fd\u4eba\u306e\u30ab\u30fc\u30ed\u30fc\u30f3\u3067\u7279\u306b\u6ce8\u610f\u3057\u305f\u3044\u306e\u304c\u4fdd\u8a3c\u4eba\u3067\u3059\u3002\u305f\u3068\u3048\u3070Maybank\u3067\u306f\u5916\u56fd\u4eba\u7533\u8acb\u8005\u306b\u3064\u3044\u3066Passport\u3084Employment \/ Contract Letter\u7b49\u306b\u52a0\u3048\u3001Local Guarantor\u3092\u6c42\u3081\u3066\u3044\u307e\u3059\u3002\u4e00\u65b9\u3001\u91d1\u878d\u6a5f\u95a2\u306b\u3088\u3063\u3066\u306f\u7533\u8acb\u8005\u306eCredit Assessment\u306b\u3088\u3063\u3066Guarantor\u3092\u6c42\u3081\u308b\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3064\u307e\u308a\u3001<strong>\u300c\u5916\u56fd\u4eba\u5411\u3051\u30ab\u30fc\u30ed\u30fc\u30f3\u300d\u3068\u3044\u3046\u7d71\u4e00\u3055\u308c\u305f\u6761\u4ef6\u304c\u5b58\u5728\u3059\u308b\u306e\u3067\u306f\u306a\u304f\u3001\u9280\u884c\u3054\u3068\u306b\u5916\u56fd\u4eba\u306e\u5be9\u67fb\u65b9\u91dd\u304c\u7570\u306a\u308b<\/strong>\u3068\u8003\u3048\u305f\u65b9\u304c\u5b9f\u614b\u306b\u8fd1\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<h3>\u30d3\u30b6\u30fb\u53ce\u5165\u30fb\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u306e\u751f\u6d3b\u57fa\u76e4\u304c\u91cd\u8981<\/h3>\n<p>\u5916\u56fd\u4eba\u306e\u5834\u5408\u3001\u30de\u30ec\u30fc\u30b7\u30a2\u4eba\u3068\u6bd4\u8f03\u3057\u3066\u56fd\u5185\u306e\u4fe1\u7528\u60c5\u5831\u3084\u91d1\u878d\u53d6\u5f15\u5c65\u6b74\u304c\u9650\u5b9a\u3055\u308c\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u306e\u305f\u3081Passport\u3084\u30d3\u30b6\u3060\u3051\u3067\u306f\u306a\u304f\u3001Employment Letter\u3001\u7d66\u4e0e\u660e\u7d30\u3001Bank Statement\u306a\u3069\u3092\u901a\u3058\u3066\u3001\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u7d99\u7d9a\u7684\u306b\u751f\u6d3b\u3057\u8fd4\u6e08\u3067\u304d\u308b\u3053\u3068\u3092\u793a\u3059\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u7b46\u8005\u304c\u5b9f\u969b\u306b\u30ab\u30fc\u30ed\u30fc\u30f3\u3092\u5229\u7528\u3057\u305f\u969b\u306b\u3082\u3001\u5358\u306b\u300c\u5916\u56fd\u4eba\u3060\u304b\u3089\u501f\u308a\u3089\u308c\u308b\u30fb\u501f\u308a\u3089\u308c\u306a\u3044\u300d\u3068\u3044\u3046\u8a71\u3067\u306f\u306a\u304f\u3001<strong>\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u306e\u53ce\u5165\u3084\u6ede\u5728\u72b6\u6cc1\u3092\u542b\u3081\u305f\u5be9\u67fb<\/strong>\u3068\u3057\u3066\u8003\u3048\u308b\u5fc5\u8981\u304c\u3042\u308b\u3068\u611f\u3058\u307e\u3057\u305f\u3002<\/p>\n<p><strong><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5726\" src=\"https:\/\/credi-tech.co.jp\/article\/cms\/design\/uploads\/2024\/04\/30b55e660da1fcabfbaf0015ebe0727d.jpg\" alt=\"\" width=\"1536\" height=\"1024\" srcset=\"https:\/\/credi-tech.co.jp\/article\/cms\/design\/uploads\/2024\/04\/30b55e660da1fcabfbaf0015ebe0727d.jpg 1536w, https:\/\/credi-tech.co.jp\/article\/cms\/design\/uploads\/2024\/04\/30b55e660da1fcabfbaf0015ebe0727d-300x200.jpg 300w, https:\/\/credi-tech.co.jp\/article\/cms\/design\/uploads\/2024\/04\/30b55e660da1fcabfbaf0015ebe0727d-1024x683.jpg 1024w, https:\/\/credi-tech.co.jp\/article\/cms\/design\/uploads\/2024\/04\/30b55e660da1fcabfbaf0015ebe0727d-768x512.jpg 768w\" sizes=\"auto, (max-width: 1536px) 100vw, 1536px\" \/><\/strong><\/p>\n<p><small>\u25b2 \u5fc5\u8981\u66f8\u985e\u3084\u4fdd\u8a3c\u4eba\u306e\u6761\u4ef6\u3001\u5be9\u67fb\u671f\u9593\u306a\u3069\u306f\u91d1\u878d\u6a5f\u95a2\u30fb\u7533\u8acb\u8005\u306b\u3088\u3063\u3066\u7570\u306a\u308a\u307e\u3059\u3002\u56f3\u306f\u4e00\u822c\u7684\u306a\u8cfc\u5165\u30d5\u30ed\u30fc\u3068\u3057\u3066\u3054\u89a7\u304f\u3060\u3055\u3044\u3002<\/small><\/p>\n<h2>4\uff0e2026\u5e74\u304b\u3089\u30de\u30ec\u30fc\u30b7\u30a2\u306e\u30ab\u30fc\u30ed\u30fc\u30f3\u5236\u5ea6\u304c\u5927\u304d\u304f\u5909\u308f\u3063\u305f<\/h2>\n<h3>Hire-Purchase (Amendment) Act 2026\u304c\u65bd\u884c<\/h3>\n<p>\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u3053\u308c\u304b\u3089\u8eca\u3092\u8cfc\u5165\u3059\u308b\u4eba\u306b\u3068\u3063\u3066\u975e\u5e38\u306b\u91cd\u8981\u306a\u306e\u304c\u30012026\u5e74\u306eHire-Purchase\u5236\u5ea6\u6539\u6b63\u3067\u3059\u3002<strong>Hire-Purchase (Amendment) Act 2026\u306f2026\u5e746\u67081\u65e5\u306b\u65bd\u884c<\/strong>\u3055\u308c\u3001Hire Purchase Financing\u306e\u900f\u660e\u6027\u3092\u9ad8\u3081\u3001\u6d88\u8cbb\u8005\u304c\u5b9f\u969b\u306e\u91d1\u5229\u8ca0\u62c5\u3092\u6bd4\u8f03\u3057\u3084\u3059\u304f\u3059\u308b\u65b9\u5411\u3078\u5236\u5ea6\u304c\u5909\u66f4\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<h3>\u65e7Flat Rate\u304b\u3089Reducing Balance\u3078<\/h3>\n<p>\u5f93\u6765\u306e\u30de\u30ec\u30fc\u30b7\u30a2\u306e\u30ab\u30fc\u30ed\u30fc\u30f3\u3067\u306fFlat Rate\u306b\u3088\u308b\u91d1\u5229\u8868\u793a\u304c\u5e83\u304f\u4f7f\u308f\u308c\u3066\u304d\u307e\u3057\u305f\u3002Flat Rate\u3067\u306f\u57fa\u672c\u7684\u306b\u5f53\u521d\u306e\u501f\u5165\u5143\u672c\u3092\u57fa\u6e96\u3068\u3057\u3066Interest\u3092\u8a08\u7b97\u3059\u308b\u305f\u3081\u3001\u8868\u793a\u3055\u308c\u3066\u3044\u308b\u91d1\u5229\u3060\u3051\u3092\u898b\u308b\u3068\u3001\u65e5\u672c\u4eba\u304c\u4e00\u822c\u7684\u306b\u30a4\u30e1\u30fc\u30b8\u3059\u308b\u6b8b\u9ad8\u30d9\u30fc\u30b9\u306e\u30ed\u30fc\u30f3\u3088\u308a\u4f4e\u304f\u898b\u3048\u308b\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u65b0\u5236\u5ea6\u3067\u306f\u3001<strong>Reducing Balance\u65b9\u5f0f\u3068Effective Interest Rate\uff08EIR\uff09<\/strong>\u3092\u8ef8\u3068\u3057\u3066\u3001\u5b9f\u969b\u306e\u501f\u5165\u30b3\u30b9\u30c8\u3092\u3088\u308a\u5206\u304b\u308a\u3084\u3059\u304f\u3059\u308b\u65b9\u5411\u3078\u5909\u66f4\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<h3>Flat Rate 2.5\uff05\u3068EIR 2.5\uff05\u306f\u540c\u3058\u3067\u306f\u306a\u3044<\/h3>\n<p>\u3053\u308c\u306f\u65e5\u672c\u4eba\u304c\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u30ab\u30fc\u30ed\u30fc\u30f3\u3092\u5229\u7528\u3059\u308b\u3068\u304d\u306b\u3001\u7279\u306b\u7406\u89e3\u3057\u3066\u304a\u304d\u305f\u3044\u30dd\u30a4\u30f3\u30c8\u3067\u3059\u3002\u65e7\u6765\u306eFlat Rate\u3067\u300c2.5\uff05\u300d\u3068\u8868\u793a\u3055\u308c\u3066\u3044\u308b\u30ed\u30fc\u30f3\u3068\u3001Reducing Balance\u306b\u3088\u308bEIR 2.5\uff05\u306e\u30ed\u30fc\u30f3\u3092\u3001\u305d\u306e\u307e\u307e\u540c\u3058\u91d1\u5229\u3068\u3057\u3066\u6bd4\u8f03\u3059\u308b\u3053\u3068\u306f\u3067\u304d\u307e\u305b\u3093\u3002<\/p>\n<p>\u4eca\u5f8c\u30ab\u30fc\u30ed\u30fc\u30f3\u3092\u6bd4\u8f03\u3059\u308b\u3068\u304d\u306f\u3001\u5e83\u544a\u306b\u8868\u793a\u3055\u308c\u305f\u91d1\u5229\u3060\u3051\u3067\u306f\u306a\u304f\u3001<strong>Flat Rate\u306a\u306e\u304bEIR\u306a\u306e\u304b\u3001\u501f\u5165\u984d\u3001\u8fd4\u6e08\u671f\u9593\u3001\u6bce\u6708\u306e\u8fd4\u6e08\u984d\u3001Total Payment\uff08\u7dcf\u652f\u6255\u984d\uff09\u3001Early Settlement\u306e\u6761\u4ef6<\/strong>\u307e\u3067\u78ba\u8a8d\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3>2027\u5e743\u670831\u65e5\u307e\u3067\u306f\u79fb\u884c\u671f\u9593<\/h3>\n<p>\u6cd5\u5f8b\u81ea\u4f53\u306f2026\u5e746\u67081\u65e5\u306b\u65bd\u884c\u3055\u308c\u3066\u3044\u307e\u3059\u304c\u3001\u91d1\u878d\u6a5f\u95a2\u304c\u30b7\u30b9\u30c6\u30e0\u3084\u696d\u52d9\u30d7\u30ed\u30bb\u30b9\u7b49\u3092\u5909\u66f4\u3059\u308b\u305f\u3081\u3001<strong>2027\u5e743\u670831\u65e5\u307e\u3067\u79fb\u884c\u671f\u9593<\/strong>\u304c\u8a2d\u3051\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u305d\u306e\u305f\u30812026\u5e749\u6708\u73fe\u5728\u306f\u3001\u3059\u3079\u3066\u306e\u91d1\u878d\u6a5f\u95a2\u30fb\u5546\u54c1\u304c\u4e00\u6589\u306b\u5b8c\u5168\u306a\u65b0\u65b9\u5f0f\u3078\u5207\u308a\u66ff\u308f\u3063\u305f\u3068\u8003\u3048\u308b\u306e\u3067\u306f\u306a\u304f\u3001\u5b9f\u969b\u306b\u5951\u7d04\u3059\u308b\u91d1\u878d\u6a5f\u95a2\u3078\u9069\u7528\u65b9\u5f0f\u3092\u78ba\u8a8d\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<p><strong><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5725\" src=\"https:\/\/credi-tech.co.jp\/article\/cms\/design\/uploads\/2024\/04\/90b95d7c0e910c3f8a894b4ba495d5b8.jpg\" alt=\"\" width=\"1536\" height=\"1024\" srcset=\"https:\/\/credi-tech.co.jp\/article\/cms\/design\/uploads\/2024\/04\/90b95d7c0e910c3f8a894b4ba495d5b8.jpg 1536w, https:\/\/credi-tech.co.jp\/article\/cms\/design\/uploads\/2024\/04\/90b95d7c0e910c3f8a894b4ba495d5b8-300x200.jpg 300w, https:\/\/credi-tech.co.jp\/article\/cms\/design\/uploads\/2024\/04\/90b95d7c0e910c3f8a894b4ba495d5b8-1024x683.jpg 1024w, https:\/\/credi-tech.co.jp\/article\/cms\/design\/uploads\/2024\/04\/90b95d7c0e910c3f8a894b4ba495d5b8-768x512.jpg 768w\" sizes=\"auto, (max-width: 1536px) 100vw, 1536px\" \/><\/strong><\/p>\n<p><small>\u25b2 2026\u5e746\u67081\u65e5\u306b\u6cd5\u6539\u6b63\u304c\u65bd\u884c\u3055\u308c\u3066\u3044\u307e\u3059\u304c\u3001\u91d1\u878d\u6a5f\u95a2\u306b\u306f2027\u5e743\u670831\u65e5\u307e\u3067\u79fb\u884c\u671f\u9593\u304c\u3042\u308a\u307e\u3059\u3002\u5951\u7d04\u6642\u306b\u306f\u5b9f\u969b\u306b\u9069\u7528\u3055\u308c\u308b\u8a08\u7b97\u65b9\u6cd5\u30fbEIR\u30fb\u7dcf\u652f\u6255\u984d\u3092\u3054\u78ba\u8a8d\u304f\u3060\u3055\u3044\u3002<\/small><\/p>\n<h2>5\uff0e\u5b9f\u969b\u306b\u5916\u56fd\u4eba\u3068\u3057\u3066\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u8eca\u3092\u8cfc\u5165\u3057\u305f\u6d41\u308c<\/h2>\n<h3>\u2460 \u8eca\u7a2e\u3092\u6c7a\u3081\u3066\u30c7\u30a3\u30fc\u30e9\u30fc\u3078\u7533\u3057\u8fbc\u3080<\/h3>\n<p>\u307e\u305a\u8cfc\u5165\u3059\u308b\u8eca\u7a2e\u3092\u6c7a\u3081\u3001\u30c7\u30a3\u30fc\u30e9\u30fc\u3078\u8cfc\u5165\u306e\u610f\u601d\u3092\u4f1d\u3048\u307e\u3059\u3002\u7b46\u8005\u306e\u5834\u5408\u306fProton X50\u3092\u9078\u3073\u307e\u3057\u305f\u3002\u8eca\u4e21\u4fa1\u683c\u3060\u3051\u3067\u306f\u306a\u304f\u3001\u88c5\u5099\u3001Maintenance\u3001\u30ea\u30bb\u30fc\u30eb\u3001\u65e5\u5e38\u751f\u6d3b\u3067\u306e\u4f7f\u3044\u3084\u3059\u3055\u306a\u3069\u3082\u542b\u3081\u3066\u9078\u629e\u3057\u307e\u3057\u305f\u3002<\/p>\n<h3>\u2461 \u30c7\u30a3\u30fc\u30e9\u30fc\u3092\u901a\u3058\u3066\u30ab\u30fc\u30ed\u30fc\u30f3\u3092\u7533\u8acb\u3059\u308b<\/h3>\n<p>\u30ed\u30fc\u30f3\u3092\u5229\u7528\u3059\u308b\u5834\u5408\u3001\u30c7\u30a3\u30fc\u30e9\u30fc\u3092\u901a\u3058\u3066\u91d1\u878d\u6a5f\u95a2\u3078\u7533\u3057\u8fbc\u3080\u65b9\u6cd5\u304c\u4e00\u822c\u7684\u3067\u3059\u3002\u9280\u884c\u306b\u3088\u3063\u3066\u5fc5\u8981\u66f8\u985e\u3084\u5be9\u67fb\u6761\u4ef6\u304c\u7570\u306a\u308b\u305f\u3081\u3001\u5916\u56fd\u4eba\u306e\u5834\u5408\u306f\u4e8b\u524d\u306bPassport\u3001\u30d3\u30b6\u3001\u53ce\u5165\u95a2\u4fc2\u66f8\u985e\u3001Bank Statement\u306a\u3069\u3092\u6e96\u5099\u3057\u3066\u304a\u304f\u3068\u624b\u7d9a\u304d\u304c\u9032\u3081\u3084\u3059\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<h3>\u2462 \u9280\u884c\u306b\u3088\u308b\u5be9\u67fb\u3092\u53d7\u3051\u308b<\/h3>\n<p>\u91d1\u878d\u6a5f\u95a2\u304c\u7533\u8acb\u8005\u306e\u53ce\u5165\u3001\u96c7\u7528\u3001\u6ede\u5728\u72b6\u6cc1\u3001\u4fe1\u7528\u72b6\u6cc1\u306a\u3069\u3092\u78ba\u8a8d\u3057\u307e\u3059\u3002\u8ffd\u52a0\u66f8\u985e\u3084Guarantor\u3092\u6c42\u3081\u3089\u308c\u308b\u5834\u5408\u3082\u3042\u308b\u305f\u3081\u3001\u65e5\u672c\u4eba\u30fb\u5916\u56fd\u4eba\u3060\u304b\u3089\u3068\u3044\u3046\u7406\u7531\u3060\u3051\u3067\u5be9\u67fb\u7d50\u679c\u3092\u4e88\u6e2c\u3059\u308b\u306e\u306f\u96e3\u3057\u3044\u3068\u3053\u308d\u3067\u3059\u3002<\/p>\n<h3>\u2463 Hire Purchase\u5951\u7d04\u3092\u7de0\u7d50\u3059\u308b<\/h3>\n<p>\u30ed\u30fc\u30f3\u304c\u627f\u8a8d\u3055\u308c\u305f\u3089Hire Purchase Agreement\u306e\u5185\u5bb9\u3092\u78ba\u8a8d\u3057\u3066\u5951\u7d04\u3057\u307e\u3059\u30022026\u5e74\u4ee5\u964d\u306f\u5236\u5ea6\u306e\u79fb\u884c\u671f\u3067\u3082\u3042\u308b\u305f\u3081\u3001\u91d1\u5229\u306e\u6570\u5b57\u3060\u3051\u3092\u898b\u308b\u306e\u3067\u306f\u306a\u304f\u3001<strong>Flat Rate \/ EIR\u3001Total Payment\u3001Early Settlement\u306e\u6761\u4ef6<\/strong>\u307e\u3067\u78ba\u8a8d\u3059\u308b\u3053\u3068\u3092\u304a\u3059\u3059\u3081\u3057\u307e\u3059\u3002<\/p>\n<h3>\u2464 JPJ\u767b\u9332\u30fb\u4fdd\u967a\u52a0\u5165\u30fb\u7d0d\u8eca<\/h3>\n<p>\u8cfc\u5165\u3059\u308b\u8eca\u4e21\u306fJPJ\uff08Jabatan Pengangkutan Jalan Malaysia\uff09\u3067\u767b\u9332\u3055\u308c\u307e\u3059\u3002\u65b0\u8eca\u306e\u5834\u5408\u306f\u30c7\u30a3\u30fc\u30e9\u30fc\u5074\u3067\u624b\u7d9a\u304d\u3092\u9032\u3081\u3066\u304f\u308c\u308b\u3053\u3068\u304c\u4e00\u822c\u7684\u3067\u3001\u3042\u308f\u305b\u3066\u5fc5\u8981\u306a\u81ea\u52d5\u8eca\u4fdd\u967a\u3084Road Tax\u306e\u624b\u7d9a\u304d\u3092\u884c\u3044\u307e\u3059\u3002\u30ed\u30fc\u30f3\u3001\u767b\u9332\u3001\u4fdd\u967a\u306a\u3069\u5fc5\u8981\u306a\u624b\u7d9a\u304d\u304c\u5b8c\u4e86\u3059\u308c\u3070\u7d0d\u8eca\u3067\u3059\u3002<\/p>\n<p>\u5916\u56fd\u4eba\u306e\u5834\u5408\u306f\u8ffd\u52a0\u66f8\u985e\u3084\u9280\u884c\u5be9\u67fb\u306a\u3069\u306b\u3088\u3063\u3066\u6642\u9593\u304c\u304b\u304b\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u305f\u3081\u3001\u8eca\u304c\u5fc5\u8981\u306b\u306a\u308b\u76f4\u524d\u3067\u306f\u306a\u304f\u3001\u4f59\u88d5\u3092\u6301\u3063\u3066\u624b\u7d9a\u304d\u3092\u59cb\u3081\u308b\u3053\u3068\u3092\u304a\u3059\u3059\u3081\u3057\u307e\u3059\u3002<\/p>\n<h3>\u5916\u56fd\u4eba\u3067\u3082\u30ab\u30fc\u30ed\u30fc\u30f3\u306b\u306f\u30c1\u30e3\u30ec\u30f3\u30b8\u3067\u304d\u308b<\/h3>\n<p>\u5b9f\u969b\u306b\u81ea\u5206\u3067\u30de\u30ec\u30fc\u30b7\u30a2\u306e\u8eca\u3092\u8cfc\u5165\u3057\u3066\u611f\u3058\u305f\u306e\u306f\u3001<strong>\u5916\u56fd\u4eba\u3060\u304b\u3089\u30ab\u30fc\u30ed\u30fc\u30f3\u304c\u7d44\u3081\u306a\u3044\u308f\u3051\u3067\u306f\u306a\u3044<\/strong>\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u4e00\u65b9\u3067\u3001\u30de\u30ec\u30fc\u30b7\u30a2\u4eba\u3068\u540c\u3058\u6761\u4ef6\u3067\u5f53\u7136\u306b\u30ed\u30fc\u30f3\u304c\u7d44\u3081\u308b\u308f\u3051\u3067\u3082\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>\u307e\u305a\u30c7\u30a3\u30fc\u30e9\u30fc\u3084\u9280\u884c\u3078\u76f8\u8ac7\u3057\u3066\u30ed\u30fc\u30f3\u5be9\u67fb\u3092\u53d7\u3051\u3001\u81ea\u5206\u306e\u6761\u4ef6\u3067\u3069\u306e\u7a0b\u5ea6\u306e\u878d\u8cc7\u304c\u53ef\u80fd\u306a\u306e\u304b\u3092\u78ba\u8a8d\u3059\u308b\u3002\u305d\u306e\u3046\u3048\u3067\u982d\u91d1\u3092\u5897\u3084\u3059\u3001\u8eca\u7a2e\u3084\u30b0\u30ec\u30fc\u30c9\u3092\u5909\u66f4\u3059\u308b\u3001\u5fc5\u8981\u3067\u3042\u308c\u3070\u73fe\u91d1\u8cfc\u5165\u3082\u691c\u8a0e\u3059\u308b\u3068\u3044\u3046\u9806\u756a\u304c\u73fe\u5b9f\u7684\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>\u307e\u305f2026\u5e74\u304b\u3089Hire Purchase\u306e\u5236\u5ea6\u305d\u306e\u3082\u306e\u304c\u5909\u308f\u308a\u59cb\u3081\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u304b\u3089\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u8eca\u3092\u8cfc\u5165\u3059\u308b\u306e\u3067\u3042\u308c\u3070\u3001<strong>\u300c\u8868\u793a\u91d1\u5229\u304c\u4f55\uff05\u304b\u300d\u3060\u3051\u3067\u306f\u306a\u304f\u3001EIR\u3068\u7dcf\u652f\u6255\u984d\u3067\u6bd4\u8f03\u3059\u308b<\/strong>\u3053\u3068\u304c\u4ee5\u524d\u3088\u308a\u91cd\u8981\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<h3>\u52d5\u753b\u3067\u3082\u5b9f\u969b\u306e\u8eca\u8cfc\u5165\u306b\u3064\u3044\u3066\u89e3\u8aac\u3057\u3066\u3044\u307e\u3059<\/h3>\n<p>\u7b46\u8005\u304c\u5b9f\u969b\u306b\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u8eca\u3092\u8cfc\u5165\u3057\u305f\u969b\u306e\u7d4c\u9a13\u306b\u3064\u3044\u3066\u306f\u3001\u4ee5\u4e0b\u306e\u52d5\u753b\u3067\u3082\u89e3\u8aac\u3057\u3066\u3044\u307e\u3059\u3002\u306a\u304a\u3001\u52d5\u753b\u516c\u958b\u5f8c\u306bHire-Purchase\u5236\u5ea6\u306e\u6539\u6b63\u304c\u884c\u308f\u308c\u3066\u3044\u308b\u305f\u3081\u3001\u30ed\u30fc\u30f3\u5236\u5ea6\u30fb\u91d1\u5229\u306b\u3064\u3044\u3066\u306f\u672c\u8a18\u4e8b\u306e\u6700\u65b0\u60c5\u5831\u3082\u3042\u308f\u305b\u3066\u3054\u78ba\u8a8d\u304f\u3060\u3055\u3044\u3002<\/p>\n<p><iframe loading=\"lazy\" title=\"\u3010\u5b9f\u9332\u3011\u30de\u30ec\u30fc\u30b7\u30a2\u751f\u6d3b\u3067\u306e\u5fc5\u9700\u54c1\uff01\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u8eca\u3092\u8cb7\u3063\u3066\u307f\u305f\u3001\u5916\u56fd\u4eba\u5411\u3051\u30ab\u30fc\u30ed\u30fc\u30f3\u306e\u5b9f\u614b\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/T9hoCk9xhiI?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p><strong><a href=\"https:\/\/lin.ee\/WNnb1JM\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5437\" src=\"https:\/\/credi-tech.co.jp\/article\/cms\/design\/uploads\/2025\/06\/728x90-line.png\" alt=\"\" width=\"728\" height=\"90\" srcset=\"https:\/\/credi-tech.co.jp\/article\/cms\/design\/uploads\/2025\/06\/728x90-line.png 728w, https:\/\/credi-tech.co.jp\/article\/cms\/design\/uploads\/2025\/06\/728x90-line-300x37.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/a><\/strong><\/p>\n<p>Credi Tech\u3067\u306f\u3001\u30de\u30ec\u30fc\u30b7\u30a2\u79fb\u4f4f\u3084\u6d77\u5916\u751f\u6d3b\u3001\u6d77\u5916\u3067\u306e\u8cc7\u7523\u5f62\u6210\u306b\u3064\u3044\u3066\u5b9f\u4f53\u9a13\u3092\u3082\u3068\u306b\u60c5\u5831\u3092\u767a\u4fe1\u3057\u3066\u3044\u307e\u3059\u3002\u30de\u30ec\u30fc\u30b7\u30a2\u3078\u306e\u79fb\u4f4f\u3084\u6d77\u5916\u3067\u306e\u8cc7\u7523\u5f62\u6210\u306b\u3064\u3044\u3066\u304a\u60a9\u307f\u306e\u5834\u5408\u306f\u3001\u304a\u6c17\u8efd\u306b\u3054\u76f8\u8ac7\u304f\u3060\u3055\u3044\u3002<\/p>\n<div style=\"text-align: center; margin: 30px 0;\"><a style=\"display: inline-block; padding: 14px 36px; background: #1f4f78; color: #ffffff; text-decoration: none; font-weight: bold; border-radius: 4px;\" href=\"https:\/\/credi-tech.co.jp\/contact\/\">\u4eca\u3059\u3050\u76f8\u8ac7\u3059\u308b<\/a><\/div>\n<p><small>\u203b\u672c\u8a18\u4e8b\u306f2026\u5e749\u6708\u6642\u70b9\u306e\u60c5\u5831\u3092\u3082\u3068\u306b\u4f5c\u6210\u3057\u3066\u3044\u307e\u3059\u3002Hire 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