（英語）To households that are struggling for their living expenses due totemporary stoppage of work or unemployment caused by the ongoing
COVID-19 pandemic spreads

Guidance on Temporary Loan Emergency Funds

The Social Welfare Councils of all prefectures are providing a welfare fund loan system to lendnecessary funds for living and other expenses to low-income households.
In light of the impact of the COVID-19 pandemic, the number of households that are eligible for loans
under this system will be expanded to include non-low-income households. Special loans such asemergency small amount funds will be provided to households that are struggling for their living
expenses as a result of temporary stoppage of work or unemployment.
Please see overleaf for detailed information about these special loans. Please use the contact
information provided below for questions about specific contents.

Process of loan application

Application
Households that arestruggling

Send
Municipal
Social Welfare Council
Consultation
supportPrefectural
Social Welfare
Council

Loan decision and payment

Contact●● Municipal Social Welfare Council
Telephone: ●●●●●●●●●●●●
Opening hours: (Monday to Friday 9:00 to 17:00)

Address, map, etc.

Text shown in red indicates wherethe conventional requirements
have been relaxed.

Mainly for households that are facing temporary stoppage of work
(emergency small amount fund)■ Applicable households
Households facing a decrease in income due totemporary stoppage of work, etc. as a result of COVID19, and who require an urgent temporary loan tomaintain their livelihood* This is an expansion of the previous limitation to low-income households.
* A household is eligible if its income has decreased because of COVID-19, even if theworking persons’ work has not temporarily stopped.

■ Loan amount upper limit• Temporary stoppage of work at school, etc. or
special loans for sole proprietors, etc.: ¥200,000• Other cases: ¥100,000

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Small loans will be made available to households facing urgent temporary difficulties in maintaining theirlivelihood.
■ Deferment period
Within 1 year
* This is an expansion of the previous period of 2months.

■ Repayment deadline
Within 2 years* This is an expansion of the previous period of 12months.

■ Loan interest/Guarantor
0%/Not required■ Apply to:* This is an expansion of the previous upper limit of ¥100,000.

Municipal Social Welfare Council

Mainly for households who have become unemployed (generalsupport funds)** Living support expenses from within general support funds

Households affected by COVID-19 pandemic thatare suffering financially because of reduced income orunemployment, making it difficult to maintain their
daily life
* This is an expansion of the previous limitation to low-income households.
* A household is eligible if its income has decreased because of COVID-19
pandemic, even if the working members have not lost their employment.

■ Loan amount upper limit• (Two or more persons) ¥200,000/month• (Single person) ¥150,000/month

Loan period: Within 3 months in principle

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Loans will be made available for necessary living expenses until members of the household are able torecover their livelihood.
■ Deferment period■ Eligible households
Within 1 year
* This is an expansion of the previous period of 6 months.

■ Repayment deadline
Within 10 years■ Loan interest/Guarantor
0%/Not required* Relaxation of conditions. Previously, a guarantor wasrequired for 0% interest, or 1.5%/year interest wascharged when there was no guarantor.

■ Apply to:
Municipal Social Welfare Council

Note: In principle, the household must receive continuous support in the form of self-reliant consultation support services.
As a new condition, under these special measures, households that are exempt from municipal tax and whose income continues to be
reduced can be exempt from repayment.