【 Loan Overview 】

We implement living welfare fund loan to those households that are experiencing suspension of work or lost their job and decreased the income temporarily due to COVID-19.

Kani City Council of Social Welfare is responsible for application and service desk.

【Explanation for Loan 】

For Emergency Small Loan, Applications that arrived at GIFU prefecture council of social welfare will be examine.
For Comprehensive Support Fund, it usually takes 1 to 2 weeks for the result.
However, please note that we do consultation support and loan at the same time since the purpose if this system is rebuilding your life, and may take more days to hear detailed living situation.
In addition, please note that it may take more time if there is any incomplete document.

EMERGENCY SMALL LOAN (Special case due to COVID-19)

【 Applicable for Loan 】

Household that are affected by COVID-19 and whose income is decreasing due to suspension of work and need to loan urgently and temporarily to maintain their daily life.

【 Place for Application 】

Kani City Council of Social Welfare

【 Requirements for Application 】

・ Loan Application Form (guideline sample)(Format Download)
・ Promissory Note (guideline sample)(Format Download)
・ Important Notes (guideline sample)(Format Download)
・ Report of Decreased Income (guideline sample)(Format Download)
・ Residence Certificate (Jumin-hyo). (all family members should be included and issued within 3 months)
・ Copy of Bank account (Passbook or cash card with applicant’s name)
※page of Passbook that includes name of the bank, branch, account name, account number
・ Identification (Residence Card is a MUST)
・ CHECK LIST (before sending your application) (Format Download)

・Down Load Mailing Label for "Guidance on Temporary Loan Emergency Funds"

※ Please check everything before sending your application.

COMPREHENSIVE SUPPORT LOAN (livelihood support) (Special case due to COVID-19)

【 Applicable for Loan 】

Households that are affected by the COVID-19 and are in need due to unemployment, making it difficult to maintain their daily life.

【 Place for application 】

Kani City Council of Social Welfare

【 Loan Amount 】

(Single person) within \150,000/month
(Two or more persons) within \200,000/month

【 Loan Interest and guarantor 】

0% and not required
※ However, if payment is not completed by the deadline, 3% annual delinquent interest will be charged on the remaining balance.

【 Deferment period 】

Within 1 year (12 months)

【 Repayment Deadline 】

Within 10 years (120months)

【 Remittance Method 】

Designated Bank account (applicant’s account)

【 About extension of Comprehensive support Fund 】

If you are still in need of support and already used the special loan, you could extend up to 3 months in principle by consulting to independence consultation support organization.

【 Double Application/False Application 】

Originally, These special loans ( Emergency Small Loan and Comprehensive Support fund Loan ) are supposed to be applied on a household basis. It can’t be applied individually even though the householders are different. As long as you live under the SAME roof, we acknowledge it as ONE family. Only ONE applicant per address is allowed.

【Moving after loan (changing address) 】

If ever you moved out from your application address, do NOT forget to inform us your new address or if it is too far from Kani City, kindly call us to prevent any trouble in the future.

◆ REMARKS ◆

-Those who have already received these special loans from other prefectures’ social welfare councils are not eligible.
-If there is an infected person or closed contact in the household, please inform to City Council of Social Welfare.
- There are situations that application for loan may NOT be granted.
- If you receive a loan due to false application or fraudulent means, you will be required to repay the loaned funds immediately.