資金繰りは商売の命です。
商売を続けていると、設備投資やまとまった仕入、売上の波など様々な要因で自己資金だけでは回せない場面が必ずあります。そんな時は金利1%前後と低金利の、国・自治体の制度融資を上手に活用しましょう。
借りやすいからと安易に銀行・消費者金融・クレジット会社などのカードローンで借りてしまうと、返済額が大きくなり結局損です。
民商では、制度融資に必要な書類作成や経営計画書作りをお手伝い、借りられるための方策を一緒に考えます。
北区あっせん融資案内
http://www.city.kita.tokyo.jp/sangyoshinko/sangyo/chushokigyo/yushi/documents/31yuushi.pdf
東京都融資一覧
http://www.sangyo-rodo.metro.tokyo.jp/chushou/3fd99791bca589e872784fb7a2191ca5.pdf
日本政策金融公庫融資一覧
融資制度を探す|日本政策金融公庫
日本政策金融公庫(略称:「日本公庫」)の...
100万円借りた場合の金利別返済例
年率1.2%の制度融資の場合
金利返済表 1.2% | |||||||
回数 | 借入額 | 返済額 | 年率 | 日数 | 充当利息 | 充当元金 | 残元金 |
\1,000,000 | \1,000,000 | ||||||
1 | 20,000 | 0.012 | 30 | 986 | 19,014 | 980,986 | |
2 | 20,000 | 0.012 | 30 | 968 | 19,032 | 961,954 | |
3 | 20,000 | 0.012 | 30 | 949 | 19,051 | 942,903 | |
4 | 20,000 | 0.012 | 30 | 930 | 19,070 | 923,833 | |
5 | 20,000 | 0.012 | 30 | 911 | 19,089 | 904,744 | |
6 | 20,000 | 0.012 | 30 | 892 | 19,108 | 885,636 | |
7 | 20,000 | 0.012 | 30 | 874 | 19,126 | 866,510 | |
8 | 20,000 | 0.012 | 30 | 855 | 19,145 | 847,364 | |
9 | 20,000 | 0.012 | 30 | 836 | 19,164 | 828,200 | |
10 | 20,000 | 0.012 | 30 | 817 | 19,183 | 809,017 | |
11 | 20,000 | 0.012 | 30 | 798 | 19,202 | 789,815 | |
12 | 20,000 | 0.012 | 30 | 779 | 19,221 | 770,594 | |
13 | 20,000 | 0.012 | 30 | 760 | 19,240 | 751,354 | |
14 | 20,000 | 0.012 | 30 | 741 | 19,259 | 732,095 | |
15 | 20,000 | 0.012 | 30 | 722 | 19,278 | 712,817 | |
16 | 20,000 | 0.012 | 30 | 703 | 19,297 | 693,520 | |
17 | 20,000 | 0.012 | 30 | 684 | 19,316 | 674,204 | |
18 | 20,000 | 0.012 | 30 | 665 | 19,335 | 654,869 | |
19 | 20,000 | 0.012 | 30 | 646 | 19,354 | 635,515 | |
20 | 20,000 | 0.012 | 30 | 627 | 19,373 | 616,142 | |
21 | 20,000 | 0.012 | 30 | 608 | 19,392 | 596,749 | |
22 | 20,000 | 0.012 | 30 | 589 | 19,411 | 577,338 | |
23 | 20,000 | 0.012 | 30 | 569 | 19,431 | 557,907 | |
24 | 20,000 | 0.012 | 30 | 550 | 19,450 | 538,458 | |
25 | 20,000 | 0.012 | 30 | 531 | 19,469 | 518,989 | |
26 | 20,000 | 0.012 | 30 | 512 | 19,488 | 499,501 | |
27 | 20,000 | 0.012 | 30 | 493 | 19,507 | 479,993 | |
28 | 20,000 | 0.012 | 30 | 473 | 19,527 | 460,467 | |
29 | 20,000 | 0.012 | 30 | 454 | 19,546 | 440,921 | |
30 | 20,000 | 0.012 | 30 | 435 | 19,565 | 421,356 | |
31 | 20,000 | 0.012 | 30 | 416 | 19,584 | 401,771 | |
32 | 20,000 | 0.012 | 30 | 396 | 19,604 | 382,168 | |
33 | 20,000 | 0.012 | 30 | 377 | 19,623 | 362,545 | |
34 | 20,000 | 0.012 | 30 | 358 | 19,642 | 342,902 | |
35 | 20,000 | 0.012 | 30 | 338 | 19,662 | 323,240 | |
36 | 20,000 | 0.012 | 30 | 319 | 19,681 | 303,559 | |
37 | 20,000 | 0.012 | 30 | 299 | 19,701 | 283,859 | |
38 | 20,000 | 0.012 | 30 | 280 | 19,720 | 264,139 | |
39 | 20,000 | 0.012 | 30 | 261 | 19,739 | 244,399 | |
40 | 20,000 | 0.012 | 30 | 241 | 19,759 | 224,640 | |
41 | 20,000 | 0.012 | 30 | 222 | 19,778 | 204,862 | |
42 | 20,000 | 0.012 | 30 | 202 | 19,798 | 185,064 | |
43 | 20,000 | 0.012 | 30 | 183 | 19,817 | 165,246 | |
44 | 20,000 | 0.012 | 30 | 163 | 19,837 | 145,409 | |
45 | 20,000 | 0.012 | 30 | 143 | 19,857 | 125,553 | |
46 | 20,000 | 0.012 | 30 | 124 | 19,876 | 105,676 | |
47 | 20,000 | 0.012 | 30 | 104 | 19,896 | 85,781 | |
48 | 20,000 | 0.012 | 30 | 85 | 19,915 | 65,865 | |
49 | 20,000 | 0.012 | 30 | 65 | 19,935 | 45,930 | |
50 | 20,000 | 0.012 | 30 | 45 | 19,955 | 25,976 | |
51 | 20,000 | 0.012 | 30 | 26 | 19,974 | 6,001 | |
52 | 6,007 | 0.012 | 30 | 6 | 6,001 | 0 | |
合計返済額 | \1,026,007 | \26,007 | \1,000,000 |
金利15%のカードローンの場合
金利返済表 15% | |||||||
回数 | 借入額 | 返済額 | 年率 | 日数 | 充当利息 | 充当元金 | 残元金 |
\1,000,000 | 1,000,000 | ||||||
1 | 20,000 | 0.15 | 30 | 12,329 | 7,671 | 992,329 | |
2 | 20,000 | 0.15 | 30 | 12,234 | 7,766 | 984,563 | |
3 | 20,000 | 0.15 | 30 | 12,138 | 7,862 | 976,701 | |
4 | 20,000 | 0.15 | 30 | 12,042 | 7,958 | 968,743 | |
5 | 20,000 | 0.15 | 30 | 11,943 | 8,057 | 960,686 | |
6 | 20,000 | 0.15 | 30 | 11,844 | 8,156 | 952,530 | |
7 | 20,000 | 0.15 | 30 | 11,744 | 8,256 | 944,274 | |
8 | 20,000 | 0.15 | 30 | 11,642 | 8,358 | 935,916 | |
9 | 20,000 | 0.15 | 30 | 11,539 | 8,461 | 927,454 | |
10 | 20,000 | 0.15 | 30 | 11,434 | 8,566 | 918,889 | |
11 | 20,000 | 0.15 | 30 | 11,329 | 8,671 | 910,217 | |
12 | 20,000 | 0.15 | 30 | 11,222 | 8,778 | 901,439 | |
13 | 20,000 | 0.15 | 30 | 11,114 | 8,886 | 892,553 | |
14 | 20,000 | 0.15 | 30 | 11,004 | 8,996 | 883,557 | |
15 | 20,000 | 0.15 | 30 | 10,893 | 9,107 | 874,450 | |
16 | 20,000 | 0.15 | 30 | 10,781 | 9,219 | 865,231 | |
17 | 20,000 | 0.15 | 30 | 10,667 | 9,333 | 855,898 | |
18 | 20,000 | 0.15 | 30 | 10,552 | 9,448 | 846,451 | |
19 | 20,000 | 0.15 | 30 | 10,436 | 9,564 | 836,886 | |
20 | 20,000 | 0.15 | 30 | 10,318 | 9,682 | 827,204 | |
21 | 20,000 | 0.15 | 30 | 10,198 | 9,802 | 817,402 | |
22 | 20,000 | 0.15 | 30 | 10,078 | 9,922 | 807,480 | |
23 | 20,000 | 0.15 | 30 | 9,955 | 10,045 | 797,435 | |
24 | 20,000 | 0.15 | 30 | 9,831 | 10,169 | 787,267 | |
25 | 20,000 | 0.15 | 30 | 9,706 | 10,294 | 776,973 | |
26 | 20,000 | 0.15 | 30 | 9,579 | 10,421 | 766,552 | |
27 | 20,000 | 0.15 | 30 | 9,451 | 10,549 | 756,002 | |
28 | 20,000 | 0.15 | 30 | 9,321 | 10,679 | 745,323 | |
29 | 20,000 | 0.15 | 30 | 9,189 | 10,811 | 734,512 | |
30 | 20,000 | 0.15 | 30 | 9,056 | 10,944 | 723,567 | |
31 | 20,000 | 0.15 | 30 | 8,921 | 11,079 | 712,488 | |
32 | 20,000 | 0.15 | 30 | 8,784 | 11,216 | 701,272 | |
33 | 20,000 | 0.15 | 30 | 8,646 | 11,354 | 689,918 | |
34 | 20,000 | 0.15 | 30 | 8,506 | 11,494 | 678,424 | |
35 | 20,000 | 0.15 | 30 | 8,364 | 11,636 | 666,788 | |
36 | 20,000 | 0.15 | 30 | 8,221 | 11,779 | 655,009 | |
37 | 20,000 | 0.15 | 30 | 8,075 | 11,925 | 643,084 | |
38 | 20,000 | 0.15 | 30 | 7,928 | 12,072 | 631,013 | |
39 | 20,000 | 0.15 | 30 | 7,780 | 12,220 | 618,792 | |
40 | 20,000 | 0.15 | 30 | 7,629 | 12,371 | 606,421 | |
41 | 20,000 | 0.15 | 30 | 7,476 | 12,524 | 593,898 | |
42 | 20,000 | 0.15 | 30 | 7,322 | 12,678 | 581,220 | |
43 | 20,000 | 0.15 | 30 | 7,166 | 12,834 | 568,385 | |
44 | 20,000 | 0.15 | 30 | 7,007 | 12,993 | 555,393 | |
45 | 20,000 | 0.15 | 30 | 6,847 | 13,153 | 542,240 | |
46 | 20,000 | 0.15 | 30 | 6,685 | 13,315 | 528,925 | |
47 | 20,000 | 0.15 | 30 | 6,521 | 13,479 | 515,446 | |
48 | 20,000 | 0.15 | 30 | 6,355 | 13,645 | 501,801 | |
49 | 20,000 | 0.15 | 30 | 6,187 | 13,813 | 487,988 | |
50 | 20,000 | 0.15 | 30 | 6,016 | 13,984 | 474,004 | |
51 | 20,000 | 0.15 | 30 | 5,844 | 14,156 | 459,848 | |
52 | 20,000 | 0.15 | 30 | 5,669 | 14,331 | 445,517 | |
53 | 20,000 | 0.15 | 30 | 5,493 | 14,507 | 431,010 | |
54 | 20,000 | 0.15 | 30 | 5,314 | 14,686 | 416,324 | |
55 | 20,000 | 0.15 | 30 | 5,133 | 14,867 | 401,457 | |
56 | 20,000 | 0.15 | 30 | 4,949 | 15,051 | 386,406 | |
57 | 20,000 | 0.15 | 30 | 4,764 | 15,236 | 371,170 | |
58 | 20,000 | 0.15 | 30 | 4,576 | 15,424 | 355,746 | |
59 | 20,000 | 0.15 | 30 | 4,386 | 15,614 | 340,132 | |
60 | 20,000 | 0.15 | 30 | 4,193 | 15,807 | 324,325 | |
61 | 20,000 | 0.15 | 30 | 3,999 | 16,001 | 308,324 | |
62 | 20,000 | 0.15 | 30 | 3,801 | 16,199 | 292,125 | |
63 | 20,000 | 0.15 | 30 | 3,602 | 16,398 | 275,727 | |
64 | 20,000 | 0.15 | 30 | 3,399 | 16,601 | 259,126 | |
65 | 20,000 | 0.15 | 30 | 3,195 | 16,805 | 242,321 | |
66 | 20,000 | 0.15 | 30 | 2,988 | 17,012 | 225,308 | |
67 | 20,000 | 0.15 | 30 | 2,778 | 17,222 | 208,086 | |
68 | 20,000 | 0.15 | 30 | 2,565 | 17,435 | 190,651 | |
69 | 20,000 | 0.15 | 30 | 2,350 | 17,650 | 173,002 | |
70 | 20,000 | 0.15 | 30 | 2,133 | 17,867 | 155,135 | |
71 | 20,000 | 0.15 | 30 | 1,913 | 18,087 | 137,047 | |
72 | 20,000 | 0.15 | 30 | 1,690 | 18,310 | 118,737 | |
73 | 20,000 | 0.15 | 30 | 1,464 | 18,536 | 100,201 | |
74 | 20,000 | 0.15 | 30 | 1,235 | 18,765 | 81,436 | |
75 | 20,000 | 0.15 | 30 | 1,004 | 18,996 | 62,440 | |
76 | 20,000 | 0.15 | 30 | 770 | 19,230 | 43,210 | |
77 | 20,000 | 0.15 | 30 | 533 | 19,467 | 23,743 | |
78 | 20,000 | 0.15 | 30 | 293 | 19,707 | 4,036 | |
79 | 4,085 | 0.15 | 30 | 50 | 4,035 | 0 | |
合計返済額 | \1,564,085 | \564,085 | \1,000,000 |