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Worker loan system

Last update date April 1, 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

(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

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.

Reference

The handling organization

Each center workers' credit union city branch
Store namePhone numberFAX numberThe locationThe nearest station

Yokohama Branch

045-661-5511045-640-113124-1, 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 Branch045-476-7575045-470-23502-19-17, Shinyokohama, Kouhoku-ku

JR, 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

Consulting

Plaza Yokohama

045-461-3601045-461-3602

2-10-12, Takashima, Nishi-ku

Sky the 17th floor of the building

Yokohama Station

Shin-Yokohama loan center045-476-7585045-472-39212-19-17, 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

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

The handling time (except holiday, New Year holidays)

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

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

Loan center: 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.

Reference

General support fund loan (Ministry of Health, Labour and Welfare homepage) (the outside site) is in loan of living wage during job search.

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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