1. A user terminal capable of using an Evolved-UMTS Terrestrial Radio Access Network (E-UTRAN) and a Wireless Local Area Network (WLAN), comprising: a storage configured to store a Radio Access Network (RAN) rule for selecting a radio access scheme with Access Point Name (APN) granularity, among the E-UTRAN and the WLAN; a receiver configured to receive an Access Network Discovery and Selection Function (ANDSF) rule from the E-UTRAN of the user terminal, wherein the ANDSF rule does not include a specific function of selecting the radio access scheme to be used; and a controller configured to perform a roaming from the E-UTRAN of the user terminal to a visited cellular network, and select a selection rule, from among the ANDSF rule and the RAN rule, to be applied to change the radio access scheme, wherein in response to the ANDSF rule having no specific function for selecting the radio access scheme to be used, the controller selects the RAN rule in a case where the user terminal has both the ANDSF rule and the RAN rule while the user terminal is in the visited cellular network, and the receiver is further configured to receive assistance information from the visited cellular network, the assistance information used for selecting the radio access scheme in accordance with the RAN rule, wherein the assistance information includes information related to WLAN load information received at the visited cellular network from the WLAN, and the controller is further configured to use the assistance information to select the radio access scheme in accordance with the RAN rule.