もらえるお金（給付・補助金）

➀国の「すまい給付金」はすでに終了し、現在は地方自治体で引っ越し費用や家賃、住宅購入費の補助が存在する場合があります。（転居助成）
②また、省エネ住宅などを対象とした補助金では、0エネルギーハウスに対して以上住宅が対象で、定額55万円〜100万円程度の補助が受けられます。（ZEH補助金）
Money Available (Benefits/Subsidies)

➀The national "Housing Subsidy" has already ended, and local governments may now offer subsidies for moving expenses, rent, and home purchase costs. (Relocation Subsidy) 

②In addition, subsidies for energy-efficient homes are available for homes that are above 0-100,000 yen, with flat rates of around 550,000 to 1,000,000 yen. (ZEH Subsidy)

戻ってくるお金（税金の控除・給付）
➀年末ローン残高の0.7％が所得税・住民税から13年（新築）または10年（中古）控除されます。
②世帯によっては、年間40万円程度、最大13年で約520万円の節税効果も見込まれます。
「住宅ローン控除（住宅借入金等特別控除）」

Money returned (tax deductions/benefits)

➀ 0.7% of the year-end loan balance will be deducted from income tax and local resident tax for 13 years (new construction) or 10 years (used construction). 

② Depending on the household, tax savings of approximately 400,000 yen per year, or approximately 5.2 million yen over a maximum of 13 years, are expected. "Mortgage deduction (special deduction for housing loans, etc.)"　Money saved.

減らせるお金（税負担や諸費用の軽減）
➀工事請負契約書や譲渡契約書にかかる印紙税については、20〜50％の軽減措置があります。
②固定資産税は、新築住宅なら税額が3年間1/2に（長期優良住宅は5年間）、住宅用地では評価額が大幅に減額されます。

Money that can be saved (reduced tax burden and various expenses) 

➀ There are measures to reduce stamp duty on construction contracts and transfer agreements by 20-50%. 

② For newly built homes, the tax amount will be reduced by half for three years (five years for long-term quality homes), and for residential land, the assessed value will be significantly reduced.

借りられるお金（有利な融資制度）
➀長期優良住宅や省エネ・耐震仕様の住宅なら一定期間、低金利が適用されます。（フラット35）
②特にでは、子育て支援や空き家対策などに取り組む自治体との連携により、当初5年間で年▲0.25〜0.5％の金利引き下げが可能です。（地域連携型フラット35）

Money available for loan (advantageous loan system) 

➀ Low interest rates are applied for a certain period for long-term quality homes and homes with energy-saving and earthquake-resistant specifications. (Flat 35) 

② In particular, by collaborating with local governments that are working to support child-rearing and address vacant houses, interest rates can be reduced by 0.25 to 0.5% per year for the first five years. (Regional collaboration Flat 35)

もらえるお金（補助金・助成金）国や自治体が直接支給してくれるお金です。

Money you can receive (subsidies and grants) is money provided directly by the national or local government.

（１）省エネリフォーム
➀省エネ（断熱窓・高効率給湯器）、バリアフリー（段差解消・手すり設置）、耐震改修などに対して補助金を支給。
②制度名は自治体ごとに異なり、「省エネリフォーム補助金」「耐震改修補助金」「バリアフリー改修助成金」などが一般的。（リフォーム補助制度（国・自治体））
(1) Energy-saving renovations 

➀ Subsidies are provided for energy-saving measures (insulated windows, high-efficiency water heaters), barrier-free measures (eliminating steps, installing handrails), earthquake-resistant renovations, etc. 

② The names of the systems vary depending on the local government, with common names being "energy-saving renovation subsidies," "earthquake-resistant renovation subsidies," and "barrier-free renovation subsidies." (Renovation subsidy systems (national and local governments))

（２）子育て世帯の住宅支援
➀子育て世帯・若者夫婦世帯が対象。
②必須工事2つ実施で最大40万円、3つ実施で最大60万円の補助。（子育てグリーン住宅支援事業（国土交通省））
(2) Housing support for child-rearing households

➀ Eligible for child-rearing households and young married couples. 

② Subsidies of up to 400,000 yen for carrying out two essential construction works, and up to 600,000 yen for carrying out three essential construction works. (Child-rearing Green Housing Support Project (Ministry of Land, Infrastructure, Transport and Tourism))

（３）介護保険を活用した住宅改修
➀要介護・要支援認定者が対象。
②手すり設置、段差解消、滑り防止床材などに対して上限20万円の改修費を支給（自己負担1～3割）。（介護保険制度の住宅改修費）
戻ってくるお金（税金の控除）支払った税金の一部が戻る（所得税・住民税控除）。

(3) Home renovations using nursing care insurance 

➀ For those certified as requiring nursing care or support. 

② Up to 200,000 yen in renovation costs will be provided for installing handrails, eliminating steps, using non-slip flooring, etc. (self-pay of 10-30%). (H

ome renovation costs under the nursing care insurance system) Money returned (tax deduction) A portion of the taxes paid will be returned (income tax and resident tax deduction).

減らせるお金（税金の軽減）　税金そのものを少なくできる制度。

Money that can be saved (tax reduction): A system that can reduce the tax itself.

（１）住宅ローン減税（増改築向け）
➀リフォームローン残高の年0.7％を最大10年間、所得税から控除。
②控除額が所得税額を超える場合、住民税からも一部控除。
(1) Home loan tax deduction (for renovations and extensions) 

➀ 0.7% of the remaining renovation loan balance per year will be deducted from income tax for up to 10 years. 

② If the deduction amount exceeds the amount of income tax, a portion will also be deducted from resident tax.

（２）リフォーム促進税制（所得税控除）
➀耐震・省エネ・バリアフリー工事などが対象。
②性能向上費用に応じて控除があり、最大105万円（複数工事を組み合わせた場合）。

(2) Renovation Promotion Tax System (Income Tax Deduction) 

➀ Earthquake-proofing, energy-saving, and barrier-free construction work is covered. 

② Deductions are available according to performance improvement costs, up to a maximum of 1.05 million yen (when combining multiple construction works).

（３）固定資産税の減額制度
➀耐震改修後 → 翌年度の固定資産税が 1/2 に減額。
②バリアフリー改修、省エネ改修 → 翌年度が 1/3 に減額。
③長期優良住宅化リフォーム → 最大 2/3 減額。

(3) Fixed asset tax reduction system 

➀ After earthquake-resistance renovation → Fixed asset tax for the following year will be reduced by half. 

② Barrier-free renovation, energy-saving renovation → Reduced by one-third for the following year. 

③ Renovation to make the property a long-term quality home → Reduced by up to two-thirds.

借りられるお金（有利な融資）低金利や優遇が受けられる制度融資。

➀断熱、省エネ、バリアフリー改修などが対象。
②固定金利や長期返済、金利優遇が受けられる。グリーンリフォームローン（住宅金融支援機構）

Money available for loan (favorable loans) Institutional loans with low interest rates and preferential treatment. 

➀ Covers insulation, energy conservation, barrier-free renovations, etc. 

② Fixed interest rates, long-term repayments, and preferential interest rates are available. Green Renovation Loan (Japan Housing Finance Agency)

もらえるお金（補助金）　Money received (subsidy)

➀自治体が主導する「老朽危険家屋解体撤去」を推進しており、解体費用の 1/5〜1/2 にあたる額、または 上限100万円前後 を支給する自治体が多いです 。（老朽危険家屋解体撤去補助金）
②その他にも「都市景観を損なう老朽空きの解体や建て替えが必要な住居に自治体によって異なる要件で支給される補助金があります。（都市景観形成地域老朽空き家解体事業補助金）、（建て替え建設費補助金）
※例として横浜市では、耐震基準前の老朽建築物の解体に対し 最大150万円 を補助する制度があります。

➀ Local governments are promoting the demolition and removal of dilapidated and dangerous houses, with many providing an amount equivalent to 1/5 to 1/2 of the demolition costs, or up to a maximum of around 1 million yen.

②There are also other subsidies provided, with different requirements depending on the local government, to dilapidated vacant houses that spoil the urban landscape and need to be demolished or rebuilt

※For example, Yokohama City has a system that provides subsidies of up to 1.5 million yen for the demolition of dilapidated buildings that do not meet earthquake resistance standards.

戻ってくるお金（税控除）　Money returned (tax deduction)

➀特に、建物を取り壊してから土地を売却する場合、一定の要件を満たせば 譲渡所得から最大3,000万円の特別控除を受けられる「空き家特例」が適用されます。
※この特例は 令和6年1月1日以降の譲渡で、譲渡後も解体を行っても適用可能に拡充されています。

➀In particular, if you sell the land after demolishing the building, the "Vacant House Exception" applies, allowing you to receive a special deduction of up to 30 million yen from your capital gains if you meet certain requirements. 

※This exception has been expanded to apply to transfers made after January 1, 2024, even if the property is demolished after the transfer.

減らせるお金（税負担の軽減）　Money that can be saved (reduced tax burden)

➀家屋を解体して「更地」にすると、「住宅用地特例」が適用されなくなり、固定資産税が最大6倍に跳ね上がるケースがあります 。
※つまり、住宅用地としての優遇措置が消滅し、税負担が増えるリスクがある点に注意が必要です。
➀If a house is demolished and the land is left vacant, the "residential land exemption" will no longer apply, and in some cases the fixed asset tax may increase by up to six times.

※In other words, it is important to note that there is a risk that the preferential treatment for residential land will disappear and the tax burden will increase.

借りられるお金（融資）　Money you can borrow (loans)

該当なし　　Not applicable

もらえるお金（補助金）　Money received (subsidy)

➀住宅省エネ2025キャンペーンとして、ZEHや長期優良住宅など高性能住宅の新築で最大160万円の補助が受けられます。（GX志向型住宅：160万円、長期優良：80万円、ZEH：40万円）。
②既存住宅の省エネ改修では、高断熱窓・断熱材・浴槽などのリフォームに対して自治体の助成もあり。（例：窓リノベ、省エネ改修）。
➀As part of the Home Energy Conservation 2025 Campaign, you can receive subsidies of up to 1.6 million yen for the construction of new high-performance homes such as ZEH and long-term excellent homes (GX-oriented homes: 1.6 million yen, long-term excellent: 800,000 yen, ZEH: 400,000 yen). 

② For energy-saving renovations of existing homes, local governments also provide subsidies for renovations such as high-insulation windows, insulation materials, and bathtubs. (e.g., window renovations, energy-saving renovations).

戻ってくるお金（税控除）　　Money returned (tax deduction)

➀住宅ローン控除では、省エネ基準適合住宅以上で、年末ローン残高の0.7％が所得税から最大13年間控除されます。（住宅借入金等特別控除限度額：省エネ基準住宅で最大3,000万円、ZEH住宅なら3,500万円～など）
②省エネ等住宅として認定されることで、住宅取得等資金の贈与税非課税枠が最大1,000万円まで拡大されます。（長期優良・ZEH・省エネ適合住宅）

➀ For home loan deductions, 0.7% of the year-end loan balance can be deducted from income tax for up to 13 years for homes that meet energy-saving standards or higher. (Special deduction limit for home loans, etc.: up to 30 million yen for homes that meet energy-saving standards, 35 million yen or more for ZEH homes, etc.)

② By being certified as an energy-saving home, the gift tax exemption limit for funds used to purchase a home, etc., is expanded to a maximum of 10 million yen. (Long-term excellent, ZEH, energy-saving compatible homes)

減らせるお金（税軽減）　　Money that can be saved (tax reduction)

➀現時点では、省エネ住宅特有の固定資産税・取得税などの税軽減措置は明示されていません。

　ただし、省エネ目的のリフォームには所得税控除などが存在する場合があります。
➀At present, there are no clearly stated tax reduction measures for fixed asset tax, acquisition tax, etc. specific to energy-efficient homes.

However, there may be income tax deductions available for renovations made for energy-efficient purposes.

借りられるお金（融資）　　Money you can borrow (loans)

該当なし　　　　　　Not applicable

もらえるお金（補助金・給付金）　　Money received (subsidies and benefits)

➀失業などで住居を失う恐れのある方に、自治体が家賃相当額を毎月支給（原則3ヶ月、最大9ヶ月まで延長可能）。（住居確保給付金）
②対象世帯（住宅確保要配慮者など）の家賃を低く維持するため、大家に毎月最大約4万円支給する制度がある。

（セーフティネット住宅への家賃低廉化補助）
③税金の補助によって民間より低い家賃で提供される（直接的な「戻ってくる」ものではないが、家賃負担の軽減となる）。（公営住宅（市営・県営住宅））
④大阪市では、新婚・子育て世帯に対し、月上限2万円を最大2年間補助。（自治体独自の家賃補助）

➀ Local governments provide monthly payments equivalent to rent to people who are at risk of losing their home due to unemployment, etc. (3 months in principle, extendable to a maximum of 9 months). (Housing Security Benefit) 

② There is a system in place to provide landlords with up to approximately 40,000 yen per month to keep rents low for eligible households (such as those requiring special consideration in securing housing). (Rent Reduction Subsidy for Safety Net Housing) 

③Housing is provided at lower rents than private housing through tax subsidies (it is not a direct "refund," but it does help to reduce the rent burden). (Public housing (municipal and prefectural housing)) 

④ Osaka City provides subsidies of up to 20,000 yen per month for up to 2 years to newlyweds and households with children. (Local government-specific rent subsidies)

戻ってくるお金（税控除など）　　Money returned (tax deductions, etc.)

該当なし　　　Not applicable

減らせるお金（税軽減など）　　Money that can be saved (tax reductions, etc.)

該当なし　　　Not applicable

借りられるお金（公的融資）　　Money that can be borrowed (public loans)

該当なし　　　Not applicable

もらえるお金（補助金・助成金）　　Money you can receive (subsidies and grants)

➀各自治体で三世代の家族のための同居・近居支援があり、住宅取得・改修・リフォーム費用や引越し費用の一部が支給されます。（三世代同居・近居支援補助金 ）

例として：
宗像市：新築・購入・増改築に最大 40万円 補助。
府中市：取得・改修費の 11.5%（上限50万円）、賃貸家賃の 10%（上限5,000円／月、最長3年） を支給 。
広島市：引越し費用・仲介料などの 1/2（上限10万円）を助成。
松江市：移転にかかる費用の 1/2（上限9万円） を補助 。
千葉市・山武市・福島県なども独自の支援事業を実施。

UR賃貸住宅では「近居割」による家賃減額措置も提供。

※上記の例は、ごく一部の事例を紹介していますので、その他の自治体でもさまざまな三世代家族の同居や近居の支援を行っています。

➀ Each local government offers support for three-generation families living together or nearby, covering part of the cost of acquiring, renovating, and remodeling a home, as well as moving expenses. (Three-Generation Living Together/Nearby Support Subsidy)

For example: Munakata City: 

Subsidizes up to 400,000 yen for new construction, purchase, and expansion/renovation.

 Fuchu City: Subsidizes 11.5% of acquisition and renovation costs (up to 500,000 yen) and 10% of rental rent (up to 5,000 yen/month, for up to three years). 

Hiroshima City: Subsidizes half of moving expenses, agent fees, etc. (up to 100,000 yen). 

Matsue City: Subsidizes half of relocation costs (up to 90,000 yen). 

Chiba City, Sanmu City, and Fukushima Prefecture also offer their own support programs. 

UR rental housing also offers rent reductions through the "nearby living discount."

※The above examples are just a few of the many cases, and other local governments also provide support for various three-generation families living together or nearby.

戻ってくるお金（税金の控除や還付）　　Money returned (tax deductions and refunds)

該当なし　　　　　Not applicable

減らせるお金（税負担の軽減）　　Money that can be saved (reduced tax burden)

➀同居・近居推進に関連して、リフォーム工事費に対する減税措置を受けられる可能性があります。（住宅ローン控除やリフォーム促進税制など）

ただし、これらは「省エネ」や「バリアフリー」などが対象となるため、三世代同居による同制度の直接的な適用は明記されていません。

➀ In connection with the promotion of cohabitation and living close to one another, you may be eligible for tax breaks on renovation costs (such as mortgage deductions and renovation promotion tax systems).

However, since these measures target "energy-saving" and "barrier-free" features, the direct application of these measures to three-generation households is not explicitly stated.

借りられるお金（融資制度）　　Money available for borrowing (loan system)

該当なし　　　　　Not applicable