Yokohama City Workers' Living Fund Loan System

The Yokohama City Workers Loan System is a safe loan in partnership with Rokin (Chuo Labor Bank), a welfare financial institution, in order to improve the welfare of workers and stabilize their lives.

• We will provide loans at low interest rates to meet life events and sudden demand for funds to ensure a stable life.
• It can be used for various purposes such as living funds, ceremonial occasions, educational expenses, car purchases and leisure.
• With regard to living funds during childcare and nursing care leave, we will particularly reduce the burden of interest rates and support the balance between work and family.

※Fund loans due to the impact of COVID-19 have been closed as of the end of FY2023.

Those who fall under any of the following
（１） Those who live in Yokohama City and have been working at the same workplace for more than one year
（２） Those who have a place of work in Yokohama City and have been working at the same place of work for more than one year
※There are other conditions and examinations.
※Please contact us if you are a non-regular employee.

Within 10 years

Monthly repayment of principal and interest rate (with lump sum payment)

Please contact the Central Labor Bank (Rokin) branches.
※It is not accepted at Yokohama City Hall (ward office, administrative service corner, etc.).

• We may not be able to meet your request due to the prescribed examination.
• If the maximum amount of this system budget is reached due to a large number of applications, new loans will be suspended.

Extension and renovation, education, purchase of durable consumer goods (*), ceremonial occasions, medical and childbirth, vocational skills development, leisure activities, relocation of housing, children, nursing care, living funds, etc.
　＊Automobiles, furniture, home appliances, etc.

2.0% per year (1.8% per year for extension and renovation, 1.7% per year for education)
※A separate guarantee fee of 0.7 to 1.2% will be added.

100,000 yen to 2 million yen (in units of 10,000 yen)
※Lending for leisure activities and car purchase is limited to 1 million yen.
※You can also receive multiple loans within the upper limit.

Living funds during childcare and nursing care leave

1.0% per year
※A separate guarantee fee of 0.7 to 1.2% will be added.

100,000 yen to 1.5 million yen (in units of 10,000 yen)
※You can also receive multiple loans within the upper limit.

The repayment grace period (*) can be set within one year and six months.
　＊Period during which principal repayment is deferred and only interest is paid

Photovoltaic power generation facilities

1.8% per year
※A separate guarantee fee of 0.7 to 1.2% will be added.

100,000 yen to 2 million yen (in units of 10,000 yen)
※You can also receive multiple loans within the upper limit.

Please download the following documents for the provisional application (1. Application Form for Provisional Examination 2. Consent Form for Collection, Holding, Use, and Provision of Personal Information). If you can not download it, please request it at each Rokin (Central Labor Bank) store.
※After the provisional examination, separate documents will be required at the time of this application.

※Holidays and New Year holidays are excluded.
※For stores outside Yokohama City, please check the following list or contact Rokin Toll Free Number (0120-86-6956).

Q1. Can I borrow it if I apply?
A1. We may not be able to meet your request due to the prescribed examination. In addition, if the total loan limit of this system is reached due to a large number of applications, new loans will be suspended.

Q2. Do you have any restrictions on your workplace?
A2. There are no restrictions on the size and form of the company. It can also be used by those who work for groups, schools, hospitals, and government offices.

Q3. Are sole proprietors also eligible?
A3. If it is normal to do business without using workers, sole proprietors are also eligible. However, a final tax return for three periods is required for the examination.

Q4. Do you have an age limit?
A4. You must be at least 18 years old at the time of application and under 76 years old at the end of repayment.

Q5. How long does it take from the temporary examination application to the payment?
A5. It will take a minimum of 2 weeks.

Q6. Can I use it for refinancing and unifying the loan I am paying now?
A6. It cannot be used as repayment of loans payable.

■Financing for job seeker support (Ministry of Health, Labour and Welfare website (outside site))
Overview: Even if you receive a vocational training benefit, you can get a loan if the living expenses during the training alone are insufficient.

■Life welfare fund loan system (Kanagawa Prefecture Japan National Council of Social Welfare website (outside site)))
Overview: This system aims to support the independence of households by temporarily lending funds to low-income households, households with disabilities, and households with elderly people who need nursing care and providing necessary consultation support. .