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Economic Affairs Bureau > The employment, employment, skill > Support of the employment, employment > Worker loan system

System for worker

Worker loan 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 the car purchase and leisure for educational expenses such as the purchase of school expenses and school things.

Living wage during child care, care suspension of business holds interest rate burden in check in particular and supports work of worker and domestic coexistence.


  1.Common matter

 Person who is targeted for loan     

Income (before subtraction) of the last year wins with less than net total 7 million yen,
One that 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

  ※In addition, there is condition.
 ※Please consult with handling financial institution about irregular employment.

 Return period  Less than ten years 
 Return method  The principal and the interest equality monthly installment plan return (possible lump sum combination) 
 Consultation, application

 We bring required documents, and please come to central workers' credit union.   

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

 Required documents

 It varies according to individual cases.

 In central workers' credit union, please confirm by all means. 


 You want and, by predetermined examination, may not attach. 
 When we reached loan total frame, we stop new loan.

2.Welfare funds loan

 Purpose for funds 

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

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

 Loan interest rate

 1.9% (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, plural loan is received.

3.Coexistence fund loan

 Purpose for funds  Cost of living during child care, care suspension of business 
 Loan interest rate 


 0.7-1.2% of guarantee charges are added separately.    

 The amount of loan upper limit   1,500,000 yen 
 Others       We can set return period of deferment within June, 1.
 During return period of deferment, it is paid only interest.

4.Handling financial institution

Each center workers' credit union prefecture branch

 Store name   Phone number   FAX number  The location  The nearest station 

 Yokohama Branch 

 045-661-5511  045-640-1131  24-1, Yamashitacho, Naka-ku   Japanese Odori Station 
 Tsurumi Branch  045-521-0721  045-510-1019  4-37-37-101, Tsurumichuo, Tsurumi-ku   Keikyu-Tsurumi Station 
 Shin-Yokohama Branch     045-476-7575  045-470-2350  2-19-17, Shinyokohama, Kouhoku-ku     Shin-Yokohama Station
 Sugita Branch  045-774-1212  045-770-1216  3-8, Shinsugitacho, Isogo-ku  Shin-Sugita Station
 Hoshikawa Branch  045-331-1551  045-338-3043  4-6, Kawabecho, Hodogaya-ku  Hoshikawa Station
 Tozuka Branch  045-861-2111  045-860-1384  3983, Totsukacho, Totsuka-ku  Totsuka Station
 Consulting plaza Yokohama   045-461-3601  045-461-3602  The 17th floor of 2-10-12, Takashima, Nishi-ku sky building   Yokohama Station
 Shin-Yokohama loan center  045-476-7585   045-472-3921  2-19-17, Shinyokohama, Kouhoku-ku  Shin-Yokohama
 Tozuka loan center  045-881-4031  045-869-3017  3983, Totsukacho, Totsuka-ku  Totsuka Station

Please see roukin homepage whether store of the suburbs has you ask roukin toll free number 0120-86-6956.

5.Handling time

 (except holiday, the year-end and New Year holidays) 


 Weekdays from 9:00 to 15:00

Consulting plaza

 Saturday and Sunday from 10:00 to 17:00 weekdays from 10:00 to 18:00  

Loan center

 Saturday and Sunday from 10:00 to 17:00 moon tree from 10:00 to 18:00  



 Can we borrow by all means if we propose?

  By examination and loan frame, we may not necessarily borrow.

 Can collective return (refinancing) of loan paying use now?

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



 Loan of living wage during job search includes general support fund loan (Ministry of Health, Labour and Welfare homepage).


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Economic Affairs Bureau employment Labor Relations Section - April 01, 2014 making - July 20, 2018 update
Opinion, inquiry

TEL: 045-671-2341 FAX: 045-664-9188

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