<?xml version="1.0" encoding="UTF-8"?>
<?xml-stylesheet type="text/xsl" href="/wp-content/plugins/xml-sitemap-feed/assets/sitemap-posttype.xsl?ver=5.7.7"?>
<!-- generated-on="2026-08-08T10:36:37+00:00" -->
<!-- generator="XML Sitemap & Google News for WordPress" -->
<!-- generator-url="https://status301.net/wordpress-plugins/xml-sitemap-feed/" -->
<!-- generator-version="5.7.7" -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" >
<url><loc>https://journal.zerorenovation.co.jp/money/creditcard-usage-and-6measures-that-affect-mortgage-loan-screening/</loc><lastmod>2025-06-29T04:37:20+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/money/is-mortgage-interest-rate-fixed-or-floating/</loc><lastmod>2025-12-13T16:17:22+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/the-apartment-is-expensive/</loc><lastmod>2026-06-30T08:44:57+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/money/mortgage-screening-criteria/</loc><lastmod>2026-04-08T12:38:38+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/down-payment/</loc><lastmod>2026-05-21T06:43:19+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/private-garden/</loc><lastmod>2026-04-24T16:29:11+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/parking-lot/</loc><lastmod>2026-03-25T09:06:40+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/money/iregret-paying-the-down-payment-for-my-mortgage/</loc><lastmod>2026-03-13T11:03:35+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/floor-plan-of-the-apartment/</loc><lastmod>2026-06-27T07:55:54+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/money/mortgage-flow/</loc><lastmod>2026-06-12T14:16:04+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/buddhist-altar-in-the-apartment/</loc><lastmod>2026-06-27T07:54:33+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/reverse-mortgage/</loc><lastmod>2026-06-27T07:52:20+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/bulk-purchase/</loc><lastmod>2026-06-08T07:45:14+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/repair-costs/</loc><lastmod>2026-05-20T15:11:16+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/maintenance-costs/</loc><lastmod>2026-04-24T16:28:41+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/wall/</loc><lastmod>2025-09-21T06:19:49+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/rc-construction/</loc><lastmod>2026-04-24T16:28:06+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/two-family-condominium/</loc><lastmod>2026-04-24T16:27:33+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/2nd-floor-of-the-apartment/</loc><lastmod>2026-04-24T16:27:00+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/preview-of-the-condominium/</loc><lastmod>2025-09-15T18:22:31+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/mansion-trouble/</loc><lastmod>2026-06-27T07:56:53+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/replacement-by-purchase-of-an-apartment/</loc><lastmod>2026-05-20T15:23:08+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/condominium-with-fixed-term-land-lease-right/</loc><lastmod>2026-04-24T16:26:26+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/exterior-of-the-apartment/</loc><lastmod>2026-04-24T06:56:04+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/tower-apartment-regret/</loc><lastmod>2026-02-24T11:06:16+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/ideal-oom-in-an-apartment/</loc><lastmod>2026-05-21T06:48:56+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/change-the-name-of-the-condominium/</loc><lastmod>2026-06-26T06:58:05+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/money/conditions-for-using-a-mortgage-deduction-on-a-second-hand-property/</loc><lastmod>2026-05-25T07:10:00+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/condominium-purchase-fails/</loc><lastmod>2026-02-24T11:04:59+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/top-floor-of-the-apartment/</loc><lastmod>2026-04-24T16:25:51+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/condominiums-with-high-asset-value/</loc><lastmod>2026-06-27T08:09:14+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/50-year-old-condominium/</loc><lastmod>2026-04-25T08:08:07+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/detached_house/condominium-and-detached-house/</loc><lastmod>2026-04-24T16:25:19+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/money/pair-loan/</loc><lastmod>2026-03-09T12:28:03+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/condominium-management-fee/</loc><lastmod>2026-05-20T15:12:13+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/condominium-price-changes/</loc><lastmod>2026-05-22T19:25:15+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/inside-view-of-the-apartment/</loc><lastmod>2026-05-07T05:07:13+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/money/mortgage-with-an-annual-income-of-2-million/</loc><lastmod>2026-04-01T02:14:18+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/condominium-tax/</loc><lastmod>2026-03-09T12:00:24+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/registration-of-condominium/</loc><lastmod>2026-07-22T16:35:28+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/feng-shui-good-apartment/</loc><lastmod>2025-09-03T20:07:51+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/condominium-purchase-blog/</loc><lastmod>2026-02-24T11:03:02+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/home-purchase-costs/</loc><lastmod>2026-07-22T16:27:37+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/maisonette-mansion/</loc><lastmod>2026-04-24T16:24:06+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/common-area-of-the-apartment/</loc><lastmod>2026-06-26T07:01:56+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/elevator-in-an-apartment/</loc><lastmod>2026-06-26T07:02:51+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/cockroach-in-an-apartment/</loc><lastmod>2026-06-26T07:04:10+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/highly-soundproof-apartment/</loc><lastmod>2025-09-12T02:43:25+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/west-facing-apartment/</loc><lastmod>2026-07-29T06:41:45+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/money/mortgage-budget-with-annual-income-of-6million/</loc><lastmod>2026-04-01T02:00:57+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/mansion-fire/</loc><lastmod>2026-06-26T07:00:46+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/earthquake-in-the-apartment/</loc><lastmod>2026-06-26T06:59:19+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/money/mortgage-budget-with-annual-income-of-10million/</loc><lastmod>2026-04-01T01:20:56+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/money/mortgage-20-million-yen/</loc><lastmod>2026-04-01T01:22:11+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/earthquake-insurance-forcondominiums/</loc><lastmod>2026-04-24T16:05:33+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/condominium-fire-insurance/</loc><lastmod>2026-03-25T09:10:07+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/condominium-management-company/</loc><lastmod>2026-02-12T14:48:57+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/condominium-management-association/</loc><lastmod>2026-03-25T09:10:59+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/corridor-to-choose-in-the-apartment/</loc><lastmod>2026-04-24T16:04:25+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/east-facing-apartment/</loc><lastmod>2026-04-24T16:24:44+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/the-entrance-of-the-condominium/</loc><lastmod>2026-03-25T09:12:00+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/mansion-attention-noise/</loc><lastmod>2026-06-26T07:05:30+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/large-scale-condominium-repair/</loc><lastmod>2026-07-22T17:05:01+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/money/40-million-yen-mortgage/</loc><lastmod>2026-03-09T12:23:03+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/money/mortgage-with-annual-income-of-3-million-yen/</loc><lastmod>2026-04-01T01:19:02+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/money/mortgage-age/</loc><lastmod>2025-01-22T17:32:42+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/money/mortgage-with-annual-income-of-8-million-yen/</loc><lastmod>2025-05-02T17:31:05+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/money/mortgage-with-annual-income-of-4-million-yen/</loc><lastmod>2025-01-22T17:32:42+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/second-hand-apartment-purchase-blog/</loc><lastmod>2026-02-24T10:59:00+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/real-estate-acquisition-tax-for-used-condominiums/</loc><lastmod>2026-01-19T07:44:08+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/mortgage-for-used-condominium/</loc><lastmod>2026-03-02T12:18:39+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/when-to-buy/</loc><lastmod>2026-05-20T15:24:37+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/when-to-buy-a-second-hand-apartment/</loc><lastmod>2026-05-20T15:14:43+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/renovation/renovation-book/</loc><lastmod>2026-03-13T03:11:18+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/renovation/renovation-of-a-second-hand-apartment/</loc><lastmod>2026-04-08T12:37:09+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/renovation/renovation-builder/</loc><lastmod>2025-09-12T03:18:03+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/detached_house/detached-house-renovation/</loc><lastmod>2025-09-03T20:06:31+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/renovation/old-folk-house-renovation/</loc><lastmod>2026-04-08T12:36:57+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/renovation/renovation-of-the-warehouse/</loc><lastmod>2025-08-23T22:06:32+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/renovation/telework-room/</loc><lastmod>2025-09-22T14:43:42+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/renovation/renovation-5-million-yen/</loc><lastmod>2026-01-24T09:05:24+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/renovation/renovation-estimate/</loc><lastmod>2026-06-29T06:50:34+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/renovation/disadvantages-of-detached-house-renovation/</loc><lastmod>2025-07-28T12:23:25+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/renovation/detached-skeleton-structure/</loc><lastmod>2025-08-21T02:55:12+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/renovation/2ldk-renovation/</loc><lastmod>2025-08-28T06:22:18+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/renovation/a-cozy-and-calm-home-that-no-longer-goes-out-than-before/</loc><lastmod>2026-04-08T12:36:42+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/renovation/the-color-of-the-wall-that-greatly-changes-the-impression-of-the-house-check-the-effect-you-can-feel-by-color/</loc><lastmod>2026-04-08T12:36:19+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/renovation/renovation-work/</loc><lastmod>2026-04-08T12:36:31+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/renovation/reduce-renovation-costs/</loc><lastmod>2025-10-14T11:06:17+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/renovation/taisho-romance-is-the-theme-a-single-house-full-of-calm-atmosphere/</loc><lastmod>2026-05-20T15:31:49+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/renovation/renovation-giant/</loc><lastmod>2026-06-05T18:33:18+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/notes-on-renovation-of-second-hand-apartments/</loc><lastmod>2026-05-16T05:08:15+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/used-apartment-purchase-flow/</loc><lastmod>2026-06-15T20:31:36+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/disadvantages-of-second-hand-apartment-renovation/</loc><lastmod>2026-07-01T06:31:21+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/renovation/make-the-most-of-the-limited-living-space-idea-selection-to-secure-storage-space/</loc><lastmod>2026-04-08T12:33:05+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/apartment/notes-on-second-hand-apartments/</loc><lastmod>2026-02-24T10:55:46+09:00</lastmod></url>
<url><loc>https://journal.zerorenovation.co.jp/renovation/recommended-for-child-care-families-a-house-with-a-device-where-children-can-play-and-enjoy/</loc><lastmod>2025-09-22T14:24:11+09:00</lastmod></url>
</urlset>
