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住宅ローンの場合ですと、民間ローンや公庫融資によって異なりますが、 金利が低い 住宅控除がある 返済期間が長い といったメリットがあり、自動車ローンの場合でも、低公害車だと金利が優遇される、車検費用や修理費用もローンが利用できるなどのメリットがあります。