Yokohama-shi medium and small-sized business financing facility is system in connection with association of Yokohama-shi credit guarantee. Please put guarantee of association of Yokohama-shi credit guarantee in the use of financing facility.
Association of Yokohama-shi credit guarantee
Association of Yokohama-shi credit guarantee is public institution which was established to open way of financing as "public guarantor" when all of the city medium and small-sized businesses borrows money from financial institution based on "the association of credit guarantee method".
Person who can receive guarantee
Person from medium and small-sized business running business in Yokohama-shi.
But except type of industry targeted for agriculture and forestry fishery, the finance business, guarantee including business of offering food and entertainment is excluded.
Guarantee limit according to eligible people
|Individual, company||280 million yen|
|Association||480 million yen|
※About special guarantee by measure of countries such as management stable allied guarantees (safety net guarantee), each guarantee limit is established separately from normal guarantee limit.
When we borrow money using guarantee of association, credit guarantee charges are needed for value of the use of association guarantee. Credit guarantee charges are calculated for financing amount of money, term of a guarantee by credit guarantee rate.
Guarantee charges calculation method
In the case of the division return
※The division coefficient…In the case of the division return, we calculate guarantee charges in consideration of the loan balance decreasing.
The division coefficient
|The division return number of times||We equally divide and pay back||The unequal division return|
|Six times or less||0.70||0.77|
|7 times - 12 times||0.65||0.72|
|13 times - 24 times||0.60||0.66|
|25 times or more||0.55||0.61|
In the case of collective return
Guarantee charges = loan amount of money X term of a guarantee X guarantee rate
Responsibility joint ownership system
Responsibility joint ownership system that association of credit guarantee guaranteed 80% of accommodations from October, 2007 was introduced.
This system is applied to Yokohama-shi medium and small-sized business financing facility except some funds which are exclusion system targeted for responsibility joint ownership system.
Relations with association of credit guarantee and financial institution
Responsibility joint ownership system has two methods of contribution method and partial guarantee method and adopts either method for each financial institution.
As a general rule, about guarantee targeted for responsibility joint ownership system, guarantee charges become inexpensive. In addition, guarantee charges to have you bear are the same even if financial institution is whichever of contribution method or partial guarantee method.
Guarantee rate according to division
|Responsibility joint ownership guarantee rate||1.90||1.75||1.55||1.35||1.15||1.00||0.80||0.60||0.45|
Main guarantor (100% guarantor) which excludes corresponding to Motoichi financing facility
[we cope for guarantee ⇒ small-scale company special fund concerned with small small business guarantor]
To introduction of responsibility joint ownership system, it is guarantor of the whole country unification established for person from small-scale company.
[we cope for guarantee ⇒ small-scale company special funds concerned with particularly small insurance]
Guarantee for company which it is person from small-scale company where is younger than 20 employees (commerce, five service industries), and meets requirements such as the tax payment requirements
[correspondence that is guarantee ⇒ management stability fund (safety net special) affecting management stable insurance (safety net) Nos. 1-4, No. 6 concerned]
By large-scale bankruptcy, limit of operation by restructuring of client, sudden disaster, failure of financial institution for stability of management trouble
Guarantee for person from medium and small-sized business causing
[correspondence for guarantee ⇒ founding support funds that founding-related insurance, founding depends on related insurance]
Guarantee for person from thing which is going to be founded or medium and small-sized business which does not pass in five years after it is founded
[correspondence that is Great East Japan Earthquake revival emergency guarantee ⇒ management stability fund (earthquake disaster measures special)]
Guarantee for person from medium and small-sized business which or suffered indirect damage by the Great East Japan Earthquake directly
The details about credit guarantee
Please see homepage (the outside site) of association of Yokohama-shi credit guarantee.
※In the use of Yokohama-shi medium and small-sized business financing facility, there are financial institution, examination of association of credit guarantee. In addition, mention content of each fund was intended to tell about summary, and does not promise all financing practice, guarantee consent.