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Worker loan system

Last update date June 22, 2020

Summary of system

Worker loan system is reliable loan that cooperated with central workers' credit union for improvement and welfare program of life of worker.

We finance life event of worker and sudden capital needs at low interest and plan stability of life of worker.

You can use in various uses including living wage for educational expenses such as the purchase of school expenses and school things, the car purchase and leisure.

Living wage during childcare, care closure holds down interest rate burden in particular and supports job of worker and domestic coexistence.

Common matter

Loan eligible people

Person who corresponds to any of the following
(1) Person who lives in the city, and works at the same office more than one year

(2) Person who there is the office in the city, and works at the same office more than one year

※There are other conditions.

※Please consult with the handling financial institution about irregular employment.

Return period

Less than ten years

※Corona measures fund loan is less than five years.

Return method

The principal and the interest equality monthly installment plan return (possible lump sum combination)

About consultation, application

Please refer to each central workers' credit union branch.

(we do not register in ward office, city hall.)

Required documents

It varies according to individual cases. Please confirm by all means in central workers' credit union.

Others

By predetermined examination, we may not meet requirements.
When it reached the amount of system budget upper limit, we stop new loan.

Welfare funds loan

Fund use

Education, living wage, extension and/or alteration, the durable consumer goods purchase, ceremonial occasion, medical care, childbirth,

Ability for occupation development, leisure activity, house move, child, care

Loan interest rate

2.0% (as for 1.7% of educational expenses as for the extension and/or alteration costs 1.4%)

※0.7-1.2% of guarantee charges are added separately.

The amount of loan upper limit

2 million yen
(but as for the loan for leisure activity costs and the car purchase 1 million yen)
※Within the upper limit, we can receive plural loan.

Coexistence fund loan

Fund use

Cost of living during childcare, care closure

Loan interest rate

1.0%

※0.7-1.2% of guarantee charges are added separately.

The amount of loan upper limit

1.5 million yen

Others

We can set return period of deferment within June, 2001.

During return period of deferment, it is payment only for interest.

Corona measures fund loan

Loan use

Living wage connection costs by influence of new coronavirus infectious disease

Loan interest rate

1.0%

※0.7-1.2% of guarantee charges are added separately.

The amount of loan upper limit

1 million yen

※Within the upper limit, we can receive plural loan.

Reception desk period

From June 22, 2020 to March 31, 2021

Temporary examination application documents

Submission documents to the handling financial institution, please download the following.

When we cannot download, we can request documents by each center workers' credit union branch or inquiry.

※After the temporary examination, submission documents are necessary at the time of this application separately.

Reference

The handling organization

Each center workers' credit union city branch
Store namePhone numberFAX numberThe locationThe nearest station
Yokohama Branch045-661-5511045-640-113124-1, Yamashitacho, Naka-ku

Minato Mirai Line
Japanese Odori Station

Tsurumi Branch045-521-0721045-510-1019

Tsurumichuuo, Tsurumi-ku
4-37-37-101

Keikyu Line
Keikyu-Tsurumi Station

Shin-Yokohama Branch

045-476-7575

045-470-23502-19-17, Shinyokohama, Kouhoku-kuJR, municipal subway line
Shin-Yokohama Station
Sugita Branch045-774-1212045-770-12163-8, Shinsugitacho, Isogo-ku

JR Line
Shin-Sugita Station

Hoshikawa Branch045-331-1551045-338-30434-6, Kawabecho, Hodogaya-ku

Sotetsu Line
Hoshikawa Station

Tozuka Branch045-861-2111045-860-13843983, Totsukacho, Totsuka-ku

JR, municipal subway line
Totsuka Station

Shin-Yokohama loan center

045-476-7585045-472-3921

2-19-17, Shinyokohama, Kouhoku-ku

JR, municipal subway line
Shin-Yokohama Station

Tozuka loan center045-881-4031045-869-30173983, Totsukacho, Totsuka-ku

JR, municipal subway line
Totsuka Station

Consulting plaza Yokohama045-461-3601045-461-3602

2-10-12, Takashima, Nishi-ku
Sky the 17th floor of the building

Yokohama Station

Please inquire whether you have you confirm the following files about reference of the suburbs to roukin toll free number 0120-86-6956.

The handling time (except holiday, New Year holidays)

Each branch: Weekdays from 9:00 to 15:00

Loan center: Month, Thursday and Friday from 10:00 to 18:00 (Saturday and Sunday from 10:00 to 17:00)

Consulting plaza: Weekdays from 10:00 to 18:00 (Saturday and Sunday from 10:00 to 17:00)

FAQs

Can we borrow by all means if we propose Q1.?

A1 may not necessarily borrow by examination and loan frame.

Is Q2. available for collective return (refinancing) of loan paying now?

A2 is not available for return fund of existing borrowed money.

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Inquiry to this page

Economic Affairs Bureau citizen's economic Labor Relations Division employment Labor Relations Section

Telephone: 045-671-2341

Telephone: 045-671-2341

Fax: 045-664-9188

E-Mail address [email protected]

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