Welfare funds for mother and child father and son widows

Mother and child father and son widow welfare fund is loan system for independence support of mother and child families and father and son families.

Note 1: Even if you apply, you may not be able to lend due to examination.

Note 2: Since this is a system for repayment in the future, please make a reasonable borrowing and repayment plan.

Yokohama-shi mother and child father and son widow welfare fund loan list (PDF: 115KB)

１．Notice

２．Loan procedures

３．Method of repayment

４．Contact information

The following funds will be loaned to those whose children are going to high school or university from April 2024.

• Funds for study
  Loans for expenses required to attend high schools, universities, graduate schools, vocational schools, etc.
• Training funds
  Loan of expenses required when going to various schools
• Funds for preparing to attend school
  Loans for entrance fees for high schools, universities, graduate schools, vocational schools, etc.

• When applying for study funding or study funding and study funding at the same time
  From Thursday, February 1, 2024 to Friday, March 29
• If you are applying only for school preparation funds
  Until Friday, March 29, 2024
• When applying only for study funding or study funding
  after Thursday, February 1, 2024

Please see the above "Yokohama-shi mother and child father and son widow welfare fund loan list".

At the ward office Health and Welfare Center in your ward, the staff in charge will consult with you about the loan and apply on it.
As it takes time to prepare application documents, please consult with the ward office as soon as possible.
Please bring the following documents at the time of consultation.

• A copy of the withholding slip or tax return of the mother or father (not required if you are not working)
• Materials of the school where the child is going to go on to school (you can understand the necessary expenses, etc.)

From April 1, 2020, a new system for studying higher education (hereinafter referred to as the "new system") was implemented.
Under the new system, tuition reduction and exemption of tuition fees and payment-type scholarships will be provided to students of households exempt from residence tax and similar households.
In the event of this reduction or exemption or payment, the amount of the loan received will be paid for the amount equivalent to the amount of tuition reduction under the new system and the amount of payment type scholarship benefits. You will be returned within 6 months from the date.
If you have applied for scholarships, etc. under the new system and receive benefits or refunds under the new system, please contact your ward Children and Families Support Division immediately.

Those who have received loans for maternal and child father and son widow welfare funds (study funds and school preparation funds) as of April 2020, and those who can receive loans after 2020

Please refer to the following example if a refund is required.
When a return is required (PDF: 72KB)

For more information about the new system, please see the following page.
Ministry of Education, Culture, Sports, Science and Technology special website "Supporting the desire to learn" (outside site)

At the ward office Health and Welfare Center where you live, caseworkers will consult with you about loans and various problems in your life, and then apply on them.
Please contact us first.

Note 1: Please bring a copy of the applicant's withholding slip or final tax return.
(This is not required if you are not working.)

Note 2: If the redemption (repayment) of this fund is delayed or there is a large amount of debt (other loans, etc.), it cannot be loaned.

Note 3: If you have already paid the cost of receiving the loan, you cannot lend it.
(However, transfer funds and medical care funds may be loaned even after payment.)

• Women without spouses or men without spouses, such as mothers of mother and child families and fathers of fatherless families, who support children
• Those who were once mothers of mother and child families

If you receive a loan for your child, your mother or father, or your child will be the lessee (lessee).
The application procedure differs depending on which one will be the borrower, so please check with the ward office Health and Welfare Center for details.

• If the lessee is a mother or father
  Solidarity borrowers are children and joint guarantors are not required.
• If the lessee is a child
  Solidarity borrower is not required, a joint guarantor (one with guarantee ability) is required

Loans may require or may not require a joint guarantor.
Please check with the ward office Health and Welfare Center for details.
A joint guarantor must have the following requirements:

• Be between 20 and 60 years old
• Being a separate living from the applicant
• Being a living person
• Have the ability to guarantee
• A full-time employee or a similar work style
• In principle, living in Yokohama City
• Not being loaned, etc.

After the consultation confirms the necessity of borrowing this fund, please submit the application form together with the required documents.

• A copy of the applicant's withholding slip or tax return
• Application form, borrowed letter, bill (paper is in ward office.)
• Certificate of all matters of certificate of family register or family register, Seal Registration Certificate, proof of family of mother and child or father and son (can be omitted if a copy of the Child Raising Allowance certificate is attached), written consent form
• A copy of the joint guarantor's withholding slip or final income tax return, etc. Seal Registration Certificate, written consent form (unnecessary if a joint guarantor is not established)

Note 1: If your child is an applicant, you will need a separate certificate of your child's Seal Registration Certificate, Consent Form, certificate of family register or family register (can be omitted if the contents are the same as those submitted by your mother).
Note 2: It is necessary to enter the My Number of the applicant (lessee) on the application form.
At the time of application, please bring applicant's [personal number card] or [notification card (for my number confirmation) and identity verification document].
The applicant's personal number will be used for "personal number use affairs" (maternal and child father and son widow welfare fund loan affairs) stipulated in the "Law Concerning the Use of Numbers to Identify Specific Individuals in Administrative Procedures".

We will review the submitted application documents.
Depending on the examination, it may not be possible to lend.
We will focus on the applicant's repayment ability and the guarantor's guarantee ability when establishing a joint guarantor.

Note: We may ask you to submit additional documents during the screening process.

The applicant and the joint guarantor will be notified of the loan, and the loan will be transferred to the applicant's account.

• Determination and transfer will be made at the end of the month following the application. (Depending on the contents of the documents, etc., it may take until the end of the following month.)
• For each fund of business start, business continuity, and housing, there is a screening by the “Lending Examination Committee” in addition to document screening.
  In addition to the above required documents, you will need a business plan, store contract documents, etc. (It takes about 6 months from consultation to decision.)

Repayment will be made in either monthly, semi-annual, or annual installment within the period specified for each fund.
As a general rule, repayment by direct debit of financial institutions is required.

[Web Fund Transfer Service]
You can register for direct debit from your smartphone or tablet. Please apply from the link below.

• Mother and child father and son welfare fund redemption money (10-digit loan number starting from 1 and 3) (outside site)
• Widows welfare fund redemption money (10-digit loan number starting from 2) (outside site)

Please refer to the Web Fund Transfer Service page for available financial institutions.

You can also register for direct debit at the financial institution window. If you wish, we will send you an application form.
Please check the back of the application form for available financial institutions (window reception desks).

Note 1: If payment is not made by the deadline, a penalty will be collected.

Note 2: If the lessee is delinquent, a request will be made to the solidarity lessee and the joint guarantor.
(The solidarity borrower and the joint guarantor are obliged to repay the same as the borrower.)

Note 3: In Yokohama City, we delegate the collection of lawyers for some delinquent loans.

To Health and Welfare Center Children and Families Support Division, where you live, or to the City Hall Child and Youth Bureau Children's Home Division

• Child and Youth Bureau Children's Home Division Phone number: 045-671-2395