【FP3級試験対策講座】✧Day4✧ライフプランにおける資金計画

Summary

This video script, presented by Sakurada, offers an educational overview on financial planning for life's major expenses, focusing on education, housing, and retirement funds. It discusses various methods to prepare for educational costs, such as child insurance with savings and protection features, public and private education loans, and scholarships. The script also covers housing loan options, explaining fixed-rate, variable-rate, and fixed-variable-rate loans, as well as repayment methods like equal principal and interest versus equal principal. Additionally, it introduces the Flat 35 loan program, a long-term fixed-rate mortgage, and concepts like advance repayment and loan refinancing. Lastly, it touches on retirement funding sources, including severance pay, pensions, savings, and the importance of planning for post-retirement living expenses.

Takeaways

• 📚 The video is a part of a financial planning lecture series focused on life planning, specifically addressing the three major financial needs in life: education funds, housing funds, and retirement funds.
• 🏫 Education funding can be prepared through three methods: child insurance (also known as educational savings insurance), educational loans (both public and private), and scholarships.
• 🔒 Child insurance offers both savings and protection features. It allows for the accumulation of funds and provides coverage in case something happens to the policyholder, waiving future premiums.
• 💼 Public educational loans, known as 'Education General Loan' in Japan, offer low-interest rates with a repayment period of up to 15 years, and can be used for a wide range of educational expenses.
• 💰 Scholarships are categorized into two types: non-repayable grants and repayable loans. The Japan Student Services Organization (JASSO) offers scholarships with varying conditions and interest rates.
• 🏠 Housing funds are typically prepared through housing loans. The script discusses the importance of understanding interest rates and repayment methods when taking out a housing loan.
• 📈 Interest rates for housing loans can be fixed, variable, or a combination of both. The choice between fixed and variable interest rates depends on the borrower's risk preference and market conditions.
• 💡 Repayment methods for housing loans include equal principal and interest repayment, where the total monthly payment remains constant, and equal principal repayment, where the monthly payment decreases over time.
• 🔑 The 'Flat 35' loan is a long-term fixed-interest housing loan provided by private financial institutions in collaboration with the Japan Housing Finance Agency, with a maximum loan amount of 80 million yen and a repayment period of up to 35 years.
• 🚶‍♂️ The script also touches on the concept of 'advance repayment' for housing loans, which allows borrowers to pay more than the scheduled amount if they have extra funds, potentially reducing the total interest paid.
• 👴 Lastly, the video discusses retirement funds, emphasizing the importance of planning for post-retirement living expenses through savings, pensions, and possibly part-time work if necessary.

Q & A

What is the main topic of the video script provided?

The main topic of the video script is about financial planning in life plans, specifically focusing on how to prepare for the three major expenses in life: education funds, housing funds, and retirement funds.

What are the three major expenses in life referred to as?

The three major expenses in life are referred to as 'the three big financial burdens' which include education funds, housing funds, and retirement funds.

What are the three methods mentioned for preparing education funds?

The three methods for preparing education funds mentioned are child insurance (also known as educational savings insurance), educational loans, and scholarship systems.

What are the features of child insurance according to the script?

Child insurance features both a savings function, where a fixed insurance premium paid allows for receiving a maturity insurance payment or celebration money for events like study abroad or further education, and a protection function, which waives future insurance payments if the policyholder (usually a parent) passes away but guarantees the continuation of the policy.

What is the maximum loan limit for public educational loans in Japan?

The maximum loan limit for public educational loans in Japan is 3.5 million yen per student, with a condition that it can be up to 4.5 million yen under certain conditions such as for students commuting from outside their home, attending university for more than five years, or going for overseas study after meeting certain requirements.

What are the uses of public educational loans in Japan?

Public educational loans in Japan can be used for a wide range of expenses including tuition fees, entrance examination fees, living expenses, textbook fees, material fees, computer purchase fees, and national pension insurance fees for students.

What are the two types of scholarships provided by the Japan Student Services Organization (JASSO)?

The two types of scholarships provided by JASSO are the non-repayable grant type and the repayable loan type. The repayable loan type is further divided into two categories: the first type with no interest and the second type with interest.

What is the condition for the repayable loan type with no interest from JASSO?

The repayable loan type with no interest from JASSO has strict eligibility criteria based on academic performance and family income, which are more stringent compared to the interest-bearing second type of scholarship.

What are the two types of repayment methods for housing loans mentioned in the script?

The two types of repayment methods for housing loans mentioned are the equal principal and interest repayment method and the equal principal repayment method.

What is the 'Flat 35' housing loan system?

The 'Flat 35' is a long-term fixed interest rate housing loan system provided jointly by private financial institutions and the Housing Loan Support Institution, offering a fixed interest rate for up to 35 years.

What are the benefits of the 'Flat 35' housing loan system?

The benefits of the 'Flat 35' housing loan system include a fixed interest rate applied at the time of loan execution, a loan amount up to 100% of the purchase price, no need for guarantors or guarantee fees, free advance repayment fees, and the possibility for parents' housing loans to be inherited and repaid by their children or grandchildren.

What are the sources of funding for retirement life mentioned in the script?

The sources of funding for retirement life mentioned are severance pay, pension, and savings. If these are insufficient, one may need to work part-time or find other means to earn a living.

What is the estimated amount of savings needed for retirement according to the script?

The estimated amount of savings needed for retirement is based on the calculation of 70% of the pre-retirement living expenses for couples and 50% for a single spouse, multiplied by the average number of years until the average life expectancy.

Outlines

00:00

📚 Introduction to Financial Planning

The video introduces a financial planning course focusing on life planning and financial strategies. It outlines the three major expenses in life: education, housing, and retirement. The importance of understanding these costs and planning accordingly is emphasized. Various methods for preparing education funds, such as child insurance, education loans, and scholarship systems, are discussed. The explanation covers the features of child insurance, including savings and protection functions, and details on public education loans and their terms.

05:05

🏫 Scholarships and New Educational Support Systems

This section delves into scholarships, distinguishing between non-repayable grants and repayable loans, specifically highlighting the Japan Student Services Organization (JASSO) scholarships. The two types of JASSO loans are explained: the interest-free Type 1 and the interest-bearing Type 2. The section also touches on the new educational support system introduced in 2020, which aims to make higher education more accessible through tuition reductions and scholarships for students meeting certain criteria.

10:05

🏠 Housing Loans and Repayment Methods

This paragraph covers housing loans, including fixed, variable, and fixed-period interest rates. It explains the characteristics and implications of each type, and how they impact repayment amounts. The text also details repayment methods, such as equal installment repayments and equal principal repayments, and their effects on the total repayment amount. The Flatt 35 system, a long-term fixed-rate mortgage, is explained, highlighting its conditions and benefits. Additionally, the paragraph discusses early repayment options and the concept of loan refinancing.

15:07

👵 Retirement Funds and Post-Retirement Planning

The final segment addresses retirement funds, focusing on income sources like retirement allowances, pensions, and savings. It emphasizes the need for careful planning to ensure a comfortable retirement, explaining that the amount required depends on individual lifestyle needs. The segment provides general guidelines for estimating post-retirement living expenses. The video concludes with an invitation to the next session on social insurance, and encourages viewers to use the provided practice questions for review.

20:08

🎵 Closing Music

The last part features background music, signaling the end of the video. This section includes various sound effects and musical interludes, wrapping up the session on financial planning and transitioning to the next topic.

Keywords

💡Life Plan

A life plan refers to a strategic approach to managing one's financial and personal goals over a lifetime. In the video's context, it specifically addresses the financial planning aspect, focusing on how to prepare for significant life expenses such as education, housing, and retirement funds. The script mentions the importance of understanding the costs associated with these major life events and planning for them systematically.

💡Education Fund

An education fund is a financial arrangement set up to save for a child's future education costs. The video discusses three methods to prepare for an education fund: child insurance, educational loans, and scholarships. The script highlights the features of child insurance, which includes savings and protection functions, and touches on the specifics of public educational loans and scholarship systems.

💡Child Insurance

Child insurance, also known as educational savings insurance, is a type of private insurance that serves a dual purpose of savings and protection. The script explains that it allows parents to pay a set premium and receive a maturity payment or celebration money upon certain milestones, such as graduation or study abroad. It also provides protection by waiving future premiums if the policyholder, typically the parent, passes away.

💡Educational Loan

An educational loan is a financial product designed to assist students in funding their education. The video script delves into public educational loans, specifically the 'Education General Loan' provided by the Japan Policy Finance Corporation. It outlines the loan's features, such as the maximum loan amount, interest rates, repayment period, and eligible expenses, which can include tuition, study materials, and living costs.

💡Scholarship

A scholarship is a form of financial aid awarded to students based on various criteria, such as academic merit or financial need. The video mentions the scholarship system run by the Japan Student Services Organization (JASSO), which includes both grant-type (no repayment obligation) and loan-type (repayment obligation) scholarships. The script emphasizes the importance of understanding the differences between the types of scholarships and their respective conditions.

💡Housing Fund

A housing fund is a savings or investment plan aimed at accumulating enough capital to purchase a home. The script discusses the preparation methods for a housing fund, primarily focusing on housing loans. It explains the importance of understanding interest rates and repayment methods when taking out a housing loan, which are crucial for managing the financial burden of home ownership.

💡Interest Rate

The interest rate is the percentage of the loan amount that a borrower pays to the lender, in addition to repaying the principal sum borrowed. The video script describes different types of interest rates associated with housing loans: fixed interest rate, variable interest rate, and fixed-rate option. Understanding these can help individuals choose the best loan option based on their financial situation and market conditions.

💡Repayment Method

The repayment method refers to how a borrower pays back a loan, including both the principal and interest. The script outlines two common repayment methods for housing loans: equal principal and interest repayment, where the total monthly payment remains constant with a higher initial interest portion; and equal principal repayment, where the principal portion of each payment is constant, resulting in decreasing monthly payments over time.

💡Flat 35

Flat 35 is a long-term fixed-rate housing loan provided by private financial institutions in collaboration with the Japan Housing Finance Agency. The script highlights that it offers a fixed interest rate for up to 35 years, with a maximum loan amount and conditions such as no guarantor requirement and free advance repayment fees. It also mentions the option for intergenerational loan repayment, where children or grandchildren can take over the loan.

💡Advance Repayment

Advance repayment is the option to pay more than the originally agreed monthly payment when extra funds are available. The script explains two types of advance repayment: repayment period reduction, which shortens the loan term without changing the payment amount; and repayment amount reduction, which decreases the monthly payment without changing the loan term. The video emphasizes that the repayment period reduction type is more effective in reducing total interest paid.

💡Group Credit Life Insurance

Group credit life insurance is an insurance policy often included in housing loans to protect the borrower in case of death. The script describes how this insurance, if the debtor passes away, pays the remaining loan balance to the financial institution as a lump sum, thus ensuring that the loan is fully repaid and not a burden on the family. This insurance is a consideration when planning for housing and can be a factor in the overall cost of borrowing.

💡Retirement Fund

A retirement fund is a financial reserve set aside to provide for one's living expenses after ceasing work. The script discusses the sources of retirement funds, which typically include severance pay, pensions, and personal savings. It also touches on the importance of planning for retirement by estimating the necessary amount of savings to maintain a certain standard of living during retirement, suggesting that it should be about 70% of pre-retirement expenses for couples and 50% for a single individual.

Highlights

The channel's FP lecture is structured to allow both input and output in one video, making it a useful tool for exam study.

On the fourth day, the focus is on financial planning for life plans, specifically discussing the three major expenses in life: education, housing, and retirement funds.

Education funds can be prepared through child insurance, education loans, and scholarship systems.

Child insurance, also known as educational savings insurance, offers savings and protection features.

Education loans include public and private loans, with the video focusing on public loans provided by the Japan Policy Finance Corporation.

The loan limit for education loans is up to 3.5 million yen per student, with a low-interest rate and a repayment period of up to 15 years.

Education loans can be used for a wide range of expenses, including tuition, living costs, textbooks, and insurance premiums.

Under certain conditions, such as for students commuting from home, attending a university for over five years, or studying abroad, the loan limit can be increased to 4.5 million yen.

Scholarships are often used to fund education, with the video discussing the Japan Student Services Organization's scholarship programs.

Scholarships are categorized into non-repayable grants and repayable loans, with further division into first and second type scholarships.

The first type of scholarship is interest-free, while the second type includes interest, making the first type more competitive.

A new support system for higher education started in 2020, aiming to widen the scope of support and include tuition fee reductions or waivers.

When preparing for housing funds, the focus is on housing loans, with details on interest rates and repayment methods.

There are three types of interest rates for housing loans: fixed, variable, and fixed-variable selection type.

Repayment methods for housing loans include equal principal and interest, and equal principal repayment methods.

Flat 35 is a long-term fixed interest rate housing loan provided by private financial institutions and the Housing Loan Support Institution.

The Flat 35 loan has a fixed interest rate based on the lending execution day, with a maximum loan amount of 80 million yen.

Group credit life insurance is often included in housing loans and provides coverage for the remaining loan balance in case of the borrower's death.

For retirement funds, sources include severance pay, pensions, savings, and potentially part-time work after retirement.

Estimates for retirement living expenses suggest about 70% of pre-retirement expenses for couples and 50% for singles.

Transcripts

今日は桜田です頭チャンネルをご覧頂きありがとうございます

当チャンネルの fp 講座はインプットとアウトプットが一つの動画でできるような

構成となっていますので最後までご覧いただき

試験勉強のツールとしてご利用頂けると嬉しいです4日目となる本日は

ライフプランにおける資金計画について学習していきます

ん

皆さんは人生の三大師菌と呼ばれているものをご存知でしょうか

前世において大きなお金がかかるものです

それは教育資金住宅資金老後資金の3つですこれらはまとまったお金がかかるからこそ

どの程度かかるのかという前提知識が必要ですし

歌詞

国計画的に準備していく必要があります

そこで本日は前世の3大スキンを準備する方法にどのようなものがあるかを学習して

いきましょう

まずは教育資金についてです教育資金を準備する方法には子どもホッケー

教育ローン奨学金制度の3つがあります

こども保険というのは学資保険とも呼ばれている

民間の保険です特徴としては2つありまして一つ目に貯蓄機能があるということそして

2つ目に

保障機能があるということですどういうことかと言うとまず貯蓄機能について貯蓄機能

があるというのは

決められた保険料を支払えば満期時に満期保険金を受け取れたり留学地や進学時にお祝

金を受け取れたりするので貯金にいている性質があるということですそして次に

保障機能があるというのがどういったことかというと子供保険は契約者つまり親に

もしものことがあったときはそれ以降の保険料は支払いが免除となります

支払いはしなくていいんですが満期保険金を受け取れたりお祝い金を受け取りたりする

保証は続くので

保障機能があるということになります

続いて教育ローンについて見ていきましょう

教育ローンには皇帝キロンと民間ローンがありますが本日は公的論のうち教育一般貸付

という国の教育ローンについて学習していきます

治験でよく問われるポイントは赤字にしていますのでご覧ください

まず融資限度額について融資限度額は学生1人につ

騎西高350万円です

金利は5低金利で返済期間は最長15年となっています

融資元は日本政策金融公庫で使い道なんですがこれは学校納付金以外つまり

学校の授業料以外にを可能となっています受験にかかった費用とか在学のため必要と

なる

住居費用教科書代教材費パソコン購入費

学生の国民年金保険料など幅広く使って ok だと言われています

国の教育ローンはいろんなことに使えるものなんだなということを覚えておいて

いただければと思います

そして先ほど融資限度額は学生1人につき最高350万円とお伝えしたんですけれども

実はある条件の方たちは450万円となっています

これは軽く見ておく程度で大丈夫なんですが

まず自宅外通勤の人そして5年以上の大学の人

そして大学院1後は所定要件を満たす海外留学の場合です

この場合は450万円という条件になっています

正しい力出てくる数字としては350万円のところが問われますので

教育ローンは350万円と覚えて

おいておくといいと思います

続いて奨学金制度についてです奨学金は利用したことがある方もいらっしゃると思い

ます

私自身も高校で超額金を利用しておりました

教育ローンは親の名義で借りるのに対して

奨学金は子ども自身の名義で借りて返済も社会人になって子供自身がしていくパターン

が多いかと思います

代表的な奨学金制度に日本学生支援機構が行う奨学金制度があります

ここは試験でも非常によくと割れる箇所なので完璧に覚えていきましょう

まず給付金と対応型の2種類があるということ返済義務のない給付型

返済義務のある貸与型ですそして対応型はさらに2種類に分かれることを知っておき

ましょう

第五

首相が金と第二種奨学金の2種類があります

第1種は無利息つまり借りた額だけ返せばいいものです

第二種が鼻息付きで借りた額に利息をプラスして返さなければならないものとなってい

ますちなみにどちらのほうが条件が厳しいとを

思いますか

それは無利息の第1種の方です

利息なしで借りられる第一集奨学金は学力や家計の収入の基準が利息付きの方に比べる

と厳しい基準となっています

給付型と対応方がある点た夕方には無利息の第一種奨学金と利息付きの第二種奨学金が

ある点は試験に何度も出てきている箇所なので覚えておいてください

給付型の奨学金については過去にはあまり試験で問われていないので飛ばしてしまって

もいいかもしれませんが一応

2020年から新しい制度も始まっていますので軽く見ておきたいと思います給付型

舌はとても新しく2018年から始まっています

そしてさらに店

20年4月から高等教育の就学支援新制度というものがスタートしています

2018年から実施されている給付型の条件がすごく厳しかったためもう少し範囲を

広げ

大学の無償化を図ろうということでスタートした政党になっています

まず支援対象となる学生は世帯収入や資産の条件を満たしていて進学先で学ぶ意欲が

ある学生支援対象は大学のほか

短期大学高等専門学校専門学校も対象となっています

支援内容としては授業料と new が

金の減額または免除これは各大学が行うもので

マルニとして給付型の奨学金の支給がありこれを

日本学生新趣向が行いますここは軽く見てを聴いていただけたらと思います

ということで本試験問題でどのように出題されるかをやってみましょう

問題を読み上げるのでまるばつで考えていただければと思います

では第一も日本学生支援機構の奨学期間あっこ対応型のうち第一種奨学金は利子がつか

ない

マルかバツか

はい答えは丸です無利息の第五種奨学金と利息付きの第二種奨学型に分類されています

ので

第1種の方は1種がつかないものとなっていますで話題にも

日本政策金融公庫の教育一般貸付カッコ国の教育ローンのヘ

現在期間は母子家庭等の場合を除き10年以内であるマルかバツか

はい答えは罰です返済期間は原則15年以内となっています

試験では教育資金についてはこのような感じで問われます

では続いて住宅資金について学習していきましょう

住宅資金の準備方法としてほとんどの人が利用するである住宅ローンについてはなんで

いきます

まず住宅ローンを借りる際に必ず決めなければならないことがあります

それが金利と円債方法です

金利については3種類あります一つ目にローン申込時または論実行時の金利が返済終了

まで変わらない

固定金利型

二つ目に地上の金利の変動に応じて金利も変動する

変動金利型変動金利型については半年ごとに金利の見直しがあります

三つ目に返済期間のはじめのうちが固定金利でその後

固定金利か変動金利かに変わっていく固定金利選択型です

固定金利選択型の当初の固定期間は3年5年10年15年といろいろ選べるんですがこ

定期金利期間が長いほど気には高くなるという特徴があります

津波に固定金利型と変動金利型では一般的に固定金利の方が金利は高い傾向があります

なぜかというと市場の金利がどれだけ上がったとしても当初の金利が返済終了まで

変わらないわけですから

リスクは融資をしている銀行側が背負っているわけです

それに対して変動金利型は地上の金利が変わればその分金利も変わっていくのでリスク

は融資を受けている側が背負っているということです

なのでリスクを背負っている変動金利の方が金利はやすい傾向にあります

じゃあ変動金利の方が返済額が少ないかと問われると

そういうわけではなく銀リが上がれば上がるだけ返済額も高くなるわけですから

どちらが安いかは市場次第ということで一概には言えません

今後の金利が変わらずやすいと思うのであれば

変動金利型を選んで今がそこで今後金利が上がっていくだろうと考えるのであれば

固定金利型を選んだほうがいいということになります

続いて住宅ローンの返済方法についてです

返済方法は2種類ありますひとつ目に元利均等返済

二つ目に元金均等返済で済まず元利均等返済について説明していきます

元利均等返済とは毎回の返済額

妻

あり元金と利息の合計額が一定の返済方法です

ズレ示すとこんな感じです特徴としては頭を見ていただければわかるように

返済期間のはじめのうちは返済額に対して利息部分が大きくなっていて

徐々に利息が占める割合が少なくなっていくということ

です

続いて元金均等返済についてです

元金均等返済は毎回の返済額のうち

元金部分が一定の返済方法です

ズレ示すとこのようになっています特徴としては返済期間が経過するにつれて

ローン残高が減ってい息も減るので毎回の編集

大学は月を追うごとに減っていくということです

総返済額は元利均等返済の方が大きくなるということを覚えておきましょう

住宅ローンを借りるときには金利と返済方法についてしっかり家族で話し合い決めて

いくことになります続いてフラット35の制度について学習していきます

フラット35という言葉

もしかしたら聞いたことがある方もいらっしゃるかもしれませんが

フラット35とは最長35年間固定金利の住宅ローンです

民間の金融機関と住宅金融支援機構がゲイ系し提供している

長期固定金利型の住宅ローンで押さえて頂きたいポイン

とは赤字にしていますのでご覧ください

まず権利金利は固定金利です融資実行日の金利が適用されるということを知っておいて

ください

ゆうじ金額は最高8000万円です購入価格の100%まで ok です

ただし90%を超えるときは金利が高くなります

返済期間は最長

35年間条件はいくつがありますので見ていきましょう

まず本人が進むための住居であることそして申込日の時

70歳未満であること

保証人保証料は不要であること繰り上げ返済の手数料は無料であること

最後のポイントとして親の住宅ローンを子や孫が引き継いで返済することも可能となっ

ています

これ親子リレー返済と言います以上がフラット35についてです赤字のところを覚えて

頂ければと思います

続いて繰り上げ返済についてです住宅ローンを返している途中お金がたまってきたなと

いうときには当初決めていた返済額よりも欧米に支払うことができます

これを繰り上げ返済と言います繰り上げ返済の某方としては二つあり一つ目が

返済期間短縮型です

これは毎回の返済額を変えずに返済期間を短縮する方法です

もう一つが返済額軽減型といって返済期間を変えずに毎巻井戸

返済額を減らす方法ですどちらのほうが利息の軽辺効果が大きい日付に出ることがある

ので押さえて頂きたいのですがこれは返済期間短縮型の方です返済期間

短縮方のほうが利息をやすくする効果があります

次に住宅ローンの借り換えについて軽く説明しておきます

借り換えとは金利の高い論を一括返済して金利の低いローンに変えることを言います

覚えておいてほしいポイントとしては公的ローンへの借り換えはできませんのでその

部分を知って頂ければと思います

最後に団体信用生命について見ておきましょう

団体信用生命保険とは住宅ローンを組むときに入る保険で住宅ローン金利のなかに含ま

れていることも多いので住宅ローンを組むともれなくついてくる保険とも言えます

団体信用生命保険は住宅ローン返済中に債務者

つまり住宅ローンを支払っている人が死亡した場合保険会社が住宅ローン残高を

保険金として金融機関に支払ってくれるものです

つまり万が一のことがあったとき住宅ローンの支払いがな

9なるということになりますそのため実生活において住宅を購入した時は

生命保険の見直しをするタイミングだと言えます

それでは本試験問題でどのように出題されるかやってみましょう

問題を読み上げるのであれは頭で考えていただければと思います

では問題です

長期固定金利住宅ローンのフラット35の融資金利は借入申込時の金利ではなく融資

実行時の金利が適用される

あるかバツか

答えは丸ですユース実行時の金利が適用されます

それでは最後に老後資金について学習していきます

まず仕事を辞めた後の老後の生活資金の調達源なんですがこれは退職金と年金と貯金と

いうことになりますこの3つで賄いゾーンにない時は退職後にアルバイトをするなどし

て生活費を稼いでいかなければなり

ません

退職後にも働きたい方働ける元気のある方はそれでもいいのですが

いやいや老後はゆっくり好きなことをして過ごしたいよというカッターは計画的に貯金

を行う必要があります

どのぐらい貯めておかなければならないかは生活費もそれぞれなのでここに考えていく

必要があるわけ

ですが目安として老後の生活費について知っておきましょう

まず夫婦ともに健在の場合これは退職前の生活費の約7割だと言われています

そして夫のみまたは妻のみの場合は退職前の生活費の約5割だと言われていますこれら

の計算式を基にして退職時から平均嫁までの年月をかけた金額

老後に必要な生活費ということになりますので一度自分の人生プランを考えてみると

良いかと思います

ここはあまり試験で問われる部分でもありませんので軽く押さえておけば大丈夫です

ということで本日は終わりにしたいと思います最後までご視聴いただきありがとう

ございました次回は社会保険について学んでいきたいとおもいます

この画面の後に本日の復習問題として過去問を表示しますのでアウトプットとしてご

活用いただければと思いますそれではまた次の動画でお会いしましょうありがとう

ございました

最後の

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