{
  "schemaVersion": 1,
  "edition": "housing-content-checks-v1",
  "createdOn": "2026-09-22",
  "producer": "Signal & Ship",
  "method": "生成AIを用いて説明・確認プログラムを作成。別のPythonの返済式と月次収支で、既存TypeScriptの計算値と配布CSVを照合。",
  "models": [
    "housing-note-1.0",
    "housing-income-timeline-1.0"
  ],
  "calculation": {
    "checkedOn": "2026-09-22",
    "input": {
      "cash": 1400,
      "investments": 300,
      "reserve": 600,
      "currentIncome": 55,
      "shortIncome": 42,
      "shortStartMonth": 12,
      "livingCosts": 25,
      "rent": 12,
      "price": 4800,
      "downPayment": 600,
      "closingCosts": 300,
      "interestRate": 1.2,
      "mortgageYears": 35,
      "ownershipCosts": 3.5,
      "stressInterestAdd": 1.5,
      "stressLivingAdd": 3,
      "stressOneTime": 100
    },
    "basicMonthlyBalancesChecked": 363,
    "compoundStressMonthlyBalancesChecked": 121,
    "workedExampleMonthlyBalancesChecked": 2178,
    "publicCsvValuesChecked": 363,
    "annualPaymentMonthsChecked": 121,
    "absoluteToleranceManYen": 1e-07,
    "basicResults": [
      {
        "id": "rent-short",
        "minimum": 1700,
        "minimumMonth": 0,
        "final": 2456
      },
      {
        "id": "buy-current",
        "minimum": 800,
        "minimumMonth": 0,
        "final": 2509.820481650604
      },
      {
        "id": "buy-short",
        "minimum": 800,
        "minimumMonth": 0,
        "final": 1105.820481650607
      }
    ],
    "workedResults": [
      {
        "id": "base",
        "cases": [
          {
            "id": "planned",
            "minimum": 708.4371685777098,
            "minimumMonth": 42,
            "firstBelow": null,
            "final": 1819.820481650602
          },
          {
            "id": "delayed",
            "minimum": 498.40126490782984,
            "minimumMonth": 66,
            "firstBelow": 55,
            "final": 1267.820481650602
          },
          {
            "id": "continued",
            "minimum": 25.820481650602087,
            "minimumMonth": 120,
            "firstBelow": 55,
            "final": 25.820481650602087
          }
        ]
      },
      {
        "id": "start-now",
        "cases": [
          {
            "id": "planned",
            "minimum": 537.4551204126499,
            "minimumMonth": 30,
            "firstBelow": 23,
            "final": 1819.8204816506031
          },
          {
            "id": "delayed",
            "minimum": 327.419216742771,
            "minimumMonth": 54,
            "firstBelow": 23,
            "final": 1267.8204816506031
          },
          {
            "id": "continued",
            "minimum": -250.17951834939674,
            "minimumMonth": 120,
            "firstBelow": 23,
            "final": -250.17951834939674
          }
        ]
      },
      {
        "id": "start-later",
        "cases": [
          {
            "id": "planned",
            "minimum": 800,
            "minimumMonth": 0,
            "firstBelow": null,
            "final": 1819.8204816506034
          },
          {
            "id": "delayed",
            "minimum": 669.3833130728921,
            "minimumMonth": 78,
            "firstBelow": null,
            "final": 1267.8204816506034
          },
          {
            "id": "continued",
            "minimum": 301.8204816506033,
            "minimumMonth": 120,
            "firstBelow": 86,
            "final": 301.8204816506033
          }
        ]
      },
      {
        "id": "return-income",
        "cases": [
          {
            "id": "planned",
            "minimum": 708.4371685777098,
            "minimumMonth": 42,
            "firstBelow": null,
            "final": 1039.820481650602
          },
          {
            "id": "delayed",
            "minimum": 498.40126490782984,
            "minimumMonth": 66,
            "firstBelow": 55,
            "final": 727.8204816506021
          },
          {
            "id": "continued",
            "minimum": 25.820481650602087,
            "minimumMonth": 120,
            "firstBelow": 55,
            "final": 25.820481650602087
          }
        ]
      },
      {
        "id": "closing-costs",
        "cases": [
          {
            "id": "planned",
            "minimum": 558.4371685777098,
            "minimumMonth": 42,
            "firstBelow": 38,
            "final": 1669.8204816506027
          },
          {
            "id": "delayed",
            "minimum": 348.4012649078308,
            "minimumMonth": 66,
            "firstBelow": 38,
            "final": 1117.8204816506027
          },
          {
            "id": "continued",
            "minimum": -124.17951834939721,
            "minimumMonth": 120,
            "firstBelow": 38,
            "final": -124.17951834939721
          }
        ]
      },
      {
        "id": "interest-rate",
        "cases": [
          {
            "id": "planned",
            "minimum": 573.3109291657884,
            "minimumMonth": 42,
            "firstBelow": 40,
            "final": 1433.7455119022525
          },
          {
            "id": "delayed",
            "minimum": 286.06003154623886,
            "minimumMonth": 66,
            "firstBelow": 40,
            "final": 881.7455119022526
          },
          {
            "id": "continued",
            "minimum": -360.2544880977474,
            "minimumMonth": 120,
            "firstBelow": 40,
            "final": -360.2544880977474
          }
        ]
      }
    ],
    "publicCsv": "/examples/housing-income-32-30-months.csv",
    "publicCsvSHA256": "f50e35c218f1131a6539fcd019fd019d1fadc42f7f3203af57ff00e800982d6d",
    "annualPaymentMinimumManYen": 702.4371685777098,
    "annualPaymentMinimumMonth": 42
  },
  "claims": [
    {
      "id": "purchase-cash",
      "statement": "使える資金から頭金と購入諸費用を払った直後の残高と、その後の月次残高を分ける。",
      "evidence": [
        "#calculation",
        "/guides/housing-cashflow-method#formula"
      ],
      "limits": "資産は入力額で開始時から利用可能とする架空条件。住宅価値、売却、ローン残債を含む純資産ではない。"
    },
    {
      "id": "monthly-minimum",
      "statement": "購入直後と全120月末から最低額を求め、同額なら最初を表示。年末だけの最小値とは異なる。",
      "evidence": [
        "#calculation",
        "/examples/home-and-shorter-hours#monthly-ledger"
      ],
      "limits": "月の中の支払順序や給料日前の不足は算出しない。"
    },
    {
      "id": "timeline",
      "statement": "開始12か月後、時短中32万円が30か月なら43か月目から55万円。予定延長24か月なら67か月目から。",
      "evidence": [
        "#calculation",
        "/guides/housing-cashflow-method#income-timeline-worked-formula"
      ],
      "limits": "勤務先の制度・復職予定の実績ではない。"
    },
    {
      "id": "payment-calendar",
      "statement": "月割りで差し引いた費用を戻して実際の支払累計を引く。架空例の最低は42か月後約702.4万円。",
      "evidence": [
        "#calculation",
        "/guides/housing-cashflow-method#payment-calendar-check"
      ],
      "limits": "表示の説明用別表。モデル/配布CSV/保存ノート/PDFは書き換わらない。"
    },
    {
      "id": "worksheet",
      "statement": "14項目を同じ単位で無料比較へ転記する記入例と、個人用に書く空欄シートを分ける。",
      "evidence": [
        "/examples/housing-preparation-filled-example-v1.txt",
        "/guides/home-and-shorter-hours-preparation/worksheet"
      ],
      "limits": "記入例は架空。自動取込や資料確認の証明ではない。"
    }
  ],
  "officialReferences": [
    {
      "id": "zenginkyo",
      "url": "https://www.zenginkyo.or.jp/article/simulation/loan-new/",
      "checkedOn": "2026-09-22",
      "supports": "住宅ローンの返済条件を別途試算する参照先。",
      "doesNotSupport": "当サイトの架空例・計算結果の監修や保証。",
      "responseBodySHA256": "1398768b60690404b85f8361e37a26e70e2c28cd9bc5dd42310cc899b466f3f3",
      "checkedScope": "元利均等返済の試算条件、金融機関や返済日の差、保証料等の別途確認という注意を確認。"
    },
    {
      "id": "jhf",
      "url": "https://www.jhf.go.jp/simulation_loan/index.html",
      "checkedOn": "2026-09-22",
      "supports": "住宅取得の資金計画・返済プランなどの試算を選ぶ参照先。",
      "doesNotSupport": "当サイトの計算や、実際の契約条件の証明。",
      "responseBodySHA256": "2b174748b501ce52d50447f789a6fe1c4b5e333a469c35d44e99d450d4e4ab42",
      "checkedScope": "資金計画や返済プランなど目的別の試算への導線を確認。"
    },
    {
      "id": "mhlw",
      "url": "https://www.mhlw.go.jp/seisakunitsuite/bunya/koyou_roudou/koyoukintou/ryouritsu/ikuji/shortworking/",
      "checkedOn": "2026-09-22",
      "supports": "育児短時間勤務と給付に対象条件/期間があり、個別適用を確認する参照先。",
      "doesNotSupport": "個別の給付資格、金額、振込時期を当サイトで算定したこと。",
      "responseBodySHA256": "5bc69922fb5cfa698becf3c4049fe00895a9f6e9b78888a3f05463b56a224deb",
      "checkedScope": "短時間勤務の対象と経済的支援の対象条件・期間を分ける案内を確認。"
    }
  ],
  "limits": [
    "計算一致は公開した固定入力の範囲。実世帯の成果・相場・将来予測ではない。",
    "ブラウザの操作成功や全端末対応はこの計算照合で主張しない。",
    "公式資料の確認日は記事編集日と区別し、取得未確認の日に更新しない。"
  ],
  "updates": [
    {
      "date": "2026-09-22",
      "changes": [
        "計算と根拠の対応、訂正窓口、実更新履歴を追加",
        "14項目の架空記入例を追加",
        "無料比較の賃貸案の月0表示を「比較開始時点」へ修正。購入案の表示と数値は維持",
        "計算/初期値/料金/契約条件は変更なし"
      ]
    },
    {
      "date": "2026-09-17",
      "changes": [
        "32万円/30か月の架空例、6条件、全月次CSV、年払い別表を公開"
      ]
    }
  ],
  "correctionContact": "support@signalandship.com"
}