{
  "version": "1.0.0",
  "crawl_name": "Saitama & Western Shinkin Mortgage Rates Monthly Crawler",
  "last_crawled": "2026-11-10 10:00:00",
  "crawl_cycle": "monthly (毎月1回定期巡回・更新)",
  "verified_month": "2026年11月度（最新改定検証済）",
  "total_institutions": 13,
  "active_ok_count": 13,
  "institutions": [
    {
      "id": "ome_shinkin",
      "name": "青梅信用金庫（あおしん 川越支店）",
      "url": "https://www.aosyn.co.jp/",
      "loan_url": "https://www.aosyn.co.jp/kojin/kariru/jyutaku/jyutaku/",
      "area": "川越市新宿町・飯能・狭山・所沢・入間・鶴ヶ島・坂戸",
      "rate": "年 1.475% 〜 1.800%（店頭表示 2.050%〜3.350%）",
      "rule_5_125": true,
      "status": "OK",
      "http_code": 200,
      "checked_at": "2026-11-01 09:00:00",
      "content_length": 22284
    },
    {
      "id": "musashino",
      "name": "武蔵野銀行",
      "url": "https://www.musashinobank.co.jp/",
      "loan_url": "https://www.musashinobank.co.jp/loan/housing/",
      "area": "埼玉県内全域（県内93店舗）",
      "rate": "年 1.230% 〜 1.330%",
      "rule_5_125": true,
      "status": "OK",
      "http_code": 200,
      "checked_at": "2026-11-01 09:00:00",
      "content_length": "dynamic",
      "note": "がん100%団信無料付帯。※8大疾病団信は新規取扱停止"
    },
    {
      "id": "saitama_resona",
      "name": "埼玉りそな銀行",
      "url": "https://www.saitamaresona.co.jp/",
      "loan_url": "https://www.saitamaresona.co.jp/kojin/jutaku/",
      "area": "埼玉県内全域（県内最多124店舗）",
      "rate": "年 1.240% 〜 1.250%",
      "rule_5_125": true,
      "status": "OK",
      "http_code": 200,
      "checked_at": "2026-11-01 09:00:00",
      "content_length": 83942,
      "note": "団信革命（40歳未満 +0.250%、満40歳以上 +0.300%）"
    },
    {
      "id": "saishin",
      "name": "埼玉縣信用金庫（さいしん）",
      "url": "https://www.saishin.co.jp/",
      "loan_url": "https://www.saishin.co.jp/kojin/kariru/jutaku_loan/",
      "area": "埼玉県内全域",
      "rate": "年 1.245% 〜 1.445%",
      "rule_5_125": true,
      "status": "OK",
      "http_code": 200,
      "checked_at": "2026-11-01 09:00:00"
    },
    {
      "id": "hanno_shinkin",
      "name": "飯能信用金庫（はんしん）",
      "url": "https://www.shinkin.co.jp/hanno/",
      "loan_url": "https://www.shinkin.co.jp/hanno/personal/loan/home01/",
      "area": "飯能・日高・毛呂山・越生・坂戸・鶴ヶ島・川越等",
      "rate": "年 1.195% 〜 1.675%（最優遇1.195% 11月改定）",
      "rule_5_125": true,
      "status": "OK",
      "http_code": 200,
      "checked_at": "2026-11-01 09:00:00",
      "content_length": 13581
    },
    {
      "id": "kawashin",
      "name": "川口信用金庫（かわしん）",
      "url": "https://www.shinkin.co.jp/ksb/",
      "loan_url": "https://www.shinkin.co.jp/ksb/loan/housing_loan/",
      "area": "川口・さいたま・戸田・蕨等",
      "rate": "年 1.525% 〜 1.875%",
      "rule_5_125": true,
      "status": "OK",
      "http_code": 200,
      "checked_at": "2026-11-01 09:00:00",
      "content_length": 16024
    },
    {
      "id": "aokishinkin",
      "name": "青木信用金庫（あおしん）",
      "url": "https://www.shinkin.co.jp/aoshin/",
      "loan_url": "https://www.shinkin.co.jp/aoshin/kojin/kariru/jutaku_reform_cp/loan.html",
      "area": "川口・さいたま・草加・越谷等",
      "rate": "年 1.275% 〜 1.675%（段階別1.275%/1.475%/1.675%）",
      "rule_5_125": true,
      "status": "OK",
      "http_code": 200,
      "checked_at": "2026-11-01 09:00:00"
    },
    {
      "id": "chuo_rokin",
      "name": "中央労働金庫（中央ろうきん）",
      "url": "https://chuo.rokin.com/",
      "loan_url": "https://chuo.rokin.com/banking/loan/housing/",
      "area": "埼玉県・東京都・千葉県・神奈川県等",
      "rate": "年 1.250% 〜 1.450%",
      "rule_5_125": true,
      "status": "OK",
      "http_code": 200,
      "checked_at": "2026-11-01 09:00:00",
      "content_length": "dynamic",
      "note": "保証料0円（融資手数料は融資額×2.2%）"
    },
    {
      "id": "jabank_saitama",
      "name": "JAバンク埼玉（JAいるま野・JAさいたま等）",
      "url": "https://www.jabank-saitama.or.jp/",
      "loan_url": "https://www.jabank-saitama.or.jp/loan/home.html",
      "area": "埼玉県内各JA管轄地域",
      "rate": "年 0.980% 〜 1.305%",
      "rule_5_125": true,
      "status": "OK",
      "http_code": 200,
      "checked_at": "2026-11-01 09:00:00",
      "content_length": "dynamic"
    },
    {
      "id": "au_jibun",
      "name": "auじぶん銀行",
      "url": "https://www.jibunbank.co.jp/",
      "loan_url": "https://www.jibunbank.co.jp/products/homeloan/",
      "area": "全国対応（ネット専業）",
      "rate": "年 1.680%（一般団信）〜 1.734%（がん50%）／最大優遇時 1.584%",
      "rule_5_125": true,
      "status": "OK",
      "http_code": 200,
      "checked_at": "2026-11-01 09:00:00",
      "content_length": "dynamic"
    },
    {
      "id": "sbi_shinsei",
      "name": "SBI新生銀行",
      "url": "https://www.sbishinseibank.co.jp/",
      "loan_url": "https://www.sbishinseibank.co.jp/retail/housing/",
      "area": "全国対応",
      "rate": "年 1.660% 〜 1.680%（変動金利・半年型）",
      "rule_5_125": false,
      "status": "OK",
      "http_code": 200,
      "checked_at": "2026-11-01 09:00:00",
      "note": "5年・125%ルール適用なし（半年ごとに返済額見直し）"
    },
    {
      "id": "flat35",
      "name": "フラット35（住宅金融支援機構）",
      "url": "https://www.flat35.com/",
      "loan_url": "https://www.flat35.com/loan/flat35/outline.html",
      "area": "全国対応（全期間固定）",
      "rate": "年 3.810%（子育てプラス当初5年間 年 2.810%〜）",
      "rule_5_125": true,
      "status": "OK",
      "http_code": 200,
      "checked_at": "2026-11-01 09:00:00",
      "content_length": 182967
    },
    {
      "id": "towa_bank",
      "name": "東和銀行",
      "url": "https://www.towabank.co.jp/",
      "loan_url": "https://www.towabank.co.jp/juutakuloan/",
      "rate_url": "https://www.towabank.co.jp/rate/loan/",
      "area": "埼玉県内（川越・所沢・熊谷・深谷・本庄・大宮等）・群馬県",
      "rate": "年 1.625% 〜 1.875%（完済までず〜っと楽々プラン / 店頭基準 3.875%）",
      "rule_5_125": true,
      "status": "OK",
      "http_code": 200,
      "checked_at": "2026-11-10 11:00:00",
      "note": "完済までず〜っと楽々プラン（変動1.625%〜1.875% / 固定3年3.050%〜3.300%）。当初優遇プラン（固定3年1.800%）あり。"
    }
  ]
}