Birdwatch Note
2024-01-16 09:07:56 UTC - MISINFORMED_OR_POTENTIALLY_MISLEADING
滅失してもローンが残ってしまうのはリコースローン(担保範囲を超えた債務の遡及請求のあるローン)によるもので、ローン商品の違いで発生します 例にあがる米国でもノンリコース型ローン(担保範囲内で遡及請求がないローン)が義務付けられる州とない州があり日本だけ固有ではありません https://www.jstage.jst.go.jp/article/jares1985/20/1/20_1_82/_article/-char/ja/ リコース型は、リスクを債務者が負うために金利が低い特徴もあり、債務者が地震保険や自然災害時返済一部免除特約付住宅ローンで備えることがリスクヘッジです https://www.smbc.co.jp/kojin/jutaku_loan/reason/shizen.html なお、債務返済が困難な場合は自然災害債務整理ガイドラインにより減免が可能な場合もありますが、保有資産の整理が必要です https://www.dgl.or.jp/
Written by FAA6512F46650AC7A508442D795D78E5E9AE1010ABCB979CFF14766A4C6E9312
Participant Details
Original Tweet
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All Information
- ID - 1747183893848158591
- noteId - 1747183893848158591
- participantId -
- noteAuthorParticipantId - FAA6512F46650AC7A508442D795D78E5E9AE1010ABCB979CFF14766A4C6E9312 Participant Details
- createdAtMillis - 1705396076056
- tweetId - 1746863020016554082
- classification - MISINFORMED_OR_POTENTIALLY_MISLEADING
- believable -
- harmful -
- validationDifficulty -
- misleadingOther - 0
- misleadingFactualError - 0
- misleadingManipulatedMedia - 0
- misleadingOutdatedInformation - 1
- misleadingMissingImportantContext - 1
- misleadingUnverifiedClaimAsFact - 0
- misleadingSatire - 0
- notMisleadingOther - 0
- notMisleadingFactuallyCorrect - 0
- notMisleadingOutdatedButNotWhenWritten - 0
- notMisleadingClearlySatire - 0
- notMisleadingPersonalOpinion - 0
- trustworthySources - 1
- summary
- 滅失してもローンが残ってしまうのはリコースローン(担保範囲を超えた債務の遡及請求のあるローン)によるもので、ローン商品の違いで発生します 例にあがる米国でもノンリコース型ローン(担保範囲内で遡及請求がないローン)が義務付けられる州とない州があり日本だけ固有ではありません https://www.jstage.jst.go.jp/article/jares1985/20/1/20_1_82/_article/-char/ja/ リコース型は、リスクを債務者が負うために金利が低い特徴もあり、債務者が地震保険や自然災害時返済一部免除特約付住宅ローンで備えることがリスクヘッジです https://www.smbc.co.jp/kojin/jutaku_loan/reason/shizen.html なお、債務返済が困難な場合は自然災害債務整理ガイドラインにより減免が可能な場合もありますが、保有資産の整理が必要です https://www.dgl.or.jp/
Note Status History
| createdAt | timestampMillisOfFirstNonNMRStatus | firstNonNMRStatus | timestampMillisOfCurrentStatus | currentStatus | timestampMillisOfLatestNonNMRStatus | mostRecentNonNMRStatus | participantId |
| 2024-01-16 09:07:56 UTC (1705396076056) |
2024-01-16 13:46:41 UTC (1705412801236) |
CURRENTLY_RATED_HELPFUL | 2024-01-17 02:12:09 UTC (1705457529929) |
CURRENTLY_RATED_HELPFUL | 2024-01-16 13:46:41 UTC (1705412801236) |
CURRENTLY_RATED_HELPFUL |
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