[FY 2022]

Guide for Exemption from Redemption(Payment)

You may be exempted from redemption(payment)
even after the start of redemption(payment)
Please confirm whether you are
exempted from redemption (payment).

Contact○ Matters related to exemption from redemption ○ Matters related to the redemption of loans
If you have any questions about the above or other areas, please contact the following:

Toyama Prefecture Council of Social Welfare, Toyama Prefecture
COVID-19 Special Loan Redemption Office

Phone: 076-403-6860
Reception hours: 9:00–16:00 (weekdays)- 1 -[FY 2022]
Requirements for exemption from redemption
You are exempted from redemption in the following cases.
The application form for the exemption from redemption is not enclosed. We apologize for theinconvenience, but you must initially contact the following since the application form is delivered
after confirmation of the details of the requirements for the exemption from redemption.
Contact: Toyama Prefecture Council of Social Welfare, Toyama Prefecture COVID-19 Special
Loan Redemption Office
Phone: 076-403-6860 (reception hours: 9:00–16:00 on weekdays)
Both the borrower and head of household exempted from inhabitant tax (income based
levy/per capita levy) in the fiscal year for determining the exemption from redemption

Requirement (i)Redemption amountto be exempted

All amounts*The amount already redeemed (paid) is not exempted.

Documents required○ Application form for exemption from redemption (Form 1-1)
○ Certificate showing the fact that the borrower and head of household are
exempted from the income-based levy and per capita levy of inhabitant tax for
FY 2021 or FY 2022
○ Residence certificate (copy)*That stating all members of the household and the name of and relationshipto the head of household, not stating the social security and tax number, andissued within three months from the application

The application must be postmarked by March31, 2023*
Deadline forapplication*For the requirement (i), the deadline for application was set
as September 30, 2022. The Ministry of Health Labor andWelfare announced that the most flexible response should betaken for an application even if the deadline has passed.
Therefore, the reception period is extended to the abovedate.

The deadlinefor application
is extended!

The fiscal year for determining the exemption from redemption was changed from FY 2022 toFY 2024 as follows, and the upper limit by type of fund is stated.
Type of fund

Emergency small
amount fundFiscal year for determining exemption from redemption
FY 2022
FY 2023
FY 2024(First year of(Second year of(Third year ofredemption)
redemption)
redemption)
200,000 yen*200,000 yen

General support fundFirst loan

450,000 yen (single-personhousehold)
600,000 yen (multi-personhousehold)General support fund
Extended loan―（Extension of grace period）→

General support fund
Relending*450,000 yen (single-personhousehold)*600,000 yen (multi-personhousehold)
450,000 yen (single-personhousehold)
600,000 yen (multi-personhousehold)(Extension of graceperiod)

450,000 yen (single-personhousehold)
600,000 yen (multi-personhousehold)*For loans made after April 2022, FY 2023 is the fiscal year for determining the exemption fromredemption of the claims.

- 2 -[FY 2022][Exemption from inhabitant tax after the time of determining the exemption fromredemption]

Requirement (ii)

Both the borrower and head of household exempted from inhabitant tax (incomebased levy/per capita levy) after the fiscal year for determining the exemption
from redemption
Redemption
Remainder of the amount to be redeemed after the first start month ofamount to beredemption after the month of application for exemption*The amount already redeemed (paid) is not exempted.
exempted○Application form for exemption from redemption (in preparation)○Certificate showing the fact that the borrower and head of household
are exempted from the income-based levy and per capita levy of
inhabitant tax after the fiscal year for determining the exemption fromDocuments
redemption
required○Residence certificate (copy)*That stating all members of the household and the name of andrelationship to head of household, not stating the social security and tax
number, and issued within three months from the applicationExample） February 2021│
Determination of loan (money transfer)redemption

January 2023│

July 2023│

January 2024│

Start of redemption Reception/determination of application for exemption

Exemption from│←――――Exempt ――――→ Not exempt―→[Receipt of the public assistance after the start of redemption]

Requirement (iii)

Receipt of public assistance after the start of redemption (and as of applicationfor exemption)*You are not exempted from redemption when you receive public assistance from theapplication of special loan to determination of loan (money transfer).
Redemption
amount to be
exempted

All amount*The amount already redeemed (paid) is not exempted.

Documents
required○ Application form for exemption from redemption （Form 1-2）
○ A copy of the notice on determination of receipt of the public
assistance or a copy of the document witnessing the term of receipt of
the public assistance[Issue of the Identification Booklet for the Mental Disabled (1st grade) or the Identification Booklet
for the Physically Disabled (1st or 2nd grade) after start of redemption]

Requirement（iv）

Issue of the Identification Booklet for the Mentally Disabled (1st grade) or theIdentification Booklet for the Physically Disabled (1st or 2nd grade) after the startof redemption
Redemption
All amountamount to be*The amount already redeemed (paid) is not exempted.
exempted
Documents
required○ Application form for exemption from redemption（Form 1-2）
○ A copy of the Identification Booklet for the Mentally Disabled (1stgrade) or a copy of the Identification Booklet for the PhysicallyDisabled (1st or 2nd grade)- 3 -[FY 2022][Households that include only elderly persons or disabled persons or single-parent households
that have an amount not redeemed for 12 months or more after the start of redemption and anincrease in the amount not redeemed despite installment payments and small amountpayments and are additionally exempted from the income-based levy of inhabitant tax, orhouseholds determined equivalent to the said households]
Households that include only elderly persons or disabled persons or single-parent
households that are exempted from the income-based levy of inhabitant tax after
the start of redemption

Requirement (v)Redemption
amount to beexempted

Amount not redeemed and becoming delinquent after the start ofredemption*The amount planned to be paid or already redeemed (paid) is notexempted.

Documents
required○ Application form for exemption from redemption（Form 1-2）
○ Certificate showing the fact that the borrower and head of household
are exempted from the income-based levy of inhabitant tax○ Residence certificate (copy)*That stating all members of the household and the name of andrelationship to head of household, not stating the social security and tax
number, and issued within three months from the application

Requirement (vi)

Death of the borrower

Requirement (vii)

Adjudication of the disappearance of the borrower

Requirement (viii)

Determination of the exemption as a result of voluntary bankruptcy
proceedings or individual rehabilitation proceedings

Requirement (ix)Consolidation of debts as a result of the request for a reduction orexemption from all or a part of the debts in the mediation clause draft
based on the Guidelines for Debt Consolidation for Victims of NaturalDisasters

For those eligible under the requirements (vi), (vii), (viii) or (ix), we apologize for the inconvenience,but you must contact the following since documents required, and the proceedings are directly
reported to you.

〔Contact〕
Toyama Prefecture Council of Social Welfare, Toyama Prefecture
COVID-19 Special Loan Redemption Office
Phone: 076-403-6860(Reception hours: 9:00–16:00 on weekdays)- 4 -