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Special Loans from the Living Welfare Fund Related to the Impact of COVID-19

Guide for Grace Period for Redemption (Payment) andSmall Payment
Toyama Prefecture Council of Social Welfare
Special loans from the living welfare fund (emergency small amount fund/general support fund) that you
borrowed will face the start of redemption (payment) soon. If it is difficult for you to make the redemption(payment) of the loan, you are allowed to make an application for the grace period for redemption (payment) or achange in the monthly payments (small payment).

Grace period for redemption (payment)
1. Requirements of grace period for redemption (payment) and required documents
Requirements of grace period for redemption (payment)

Documents required for theapplication
Materials showing that you experienced adisaster, such as disaster victim anddisaster damage notice certificates
Materials to confirm that you are under
medical treatment, such as doctor’scertificate and certificate of disease
Materials to confirm that you are
unemployed or resigned, such as
certificate of retirement and letter ofresignation
Materials to confirm that you are subjectto the grace period for redemption ofother loans(i)Experienced an earthquake, a fire, or other reasons(ii)

Under medical treatment(iii)

Unemployed or resigned(iv)

Subject to the grace period for redemption of other loans,including a student loan and a loan for business operators(excluding a housing loan)(v)

The opinion submitted from the self-support counseling andsupport organization as a result of counseling with theWritten opinion from a self-support
organization that it is appropriate to give the borrower the grace counseling and support organization
period for redemption because of living conditions(vi)

The Judgment made by the chairperson of the prefectural
council of social welfare that it is remarkably difficult for theborrower to make the redemption of the loan for the same
degree of reasons as mentioned above- 1 -Submission of materials required after
the interview concerning living conditions
by the municipal council of social welfare2. How to make an application for the grace period for redemption (payment)
In case that you meet the requirements for the grace period for redemption (payment) (i) – (v), please prepare thedocuments required for the application and implement the application procedures at the municipal council of social
welfare within the municipality where you reside.
In case you do not meet the requirements for the grace period for redemption (payment), (i) – (v), please consult
with the municipal council of social welfare in the municipality where you reside.
*The application form for the grace period for redemption is not enclosed herein. The form is received after
consultation with the municipal council of social welfare in the municipality where you reside. Initially, pleasecontact the persons at list of windows in the exhibit.

3. Grace period for redemption (payment)
Fundamentally, the grace period for redemption (payment) is one year.
(Example: Case of the grace period for redemption of the emergency small amount fund whose redemption starts January 2023)

Redemption (payment)
periodGrace period forredemption (payment)
Payments

Initial plan

Plan after the grace

January 1, 2023 to December 31, 2024

January 1, 2023 to December 31, 2025

－January 1, 2023 to December 31, 2023

8,330 yen per month

8,330 yen per month (no change)*Delayed interest accrues at the rate of 3.0% per year after the end of the payment period.
*In case you do not meet the requirements for the exemption from redemption (payment), such as the exemption
from inhabitant tax for the previous fiscal year during the grace period, please contact the Toyama Prefecture
Council of Social Welfare.

Change in monthly payments (small payment)
In case you want to change the monthly payments, please consult the municipal council of social welfare in themunicipality where you reside.
(1) You are allowed to change the monthly payments to the desired amount for payment.
(2) The change does not result in an extension of the payment period.
(3) You are required to pay the remaining amount by the end of the payment period. Delayed interest
accrues at the rate of 3.0% per year after the end of the payment period.
(4) You are also allowed to return the changed payments to the initial amount or recalculate the monthly
payments so that the payment can be completed by the payment period when you ask for the change.

Inquiry about the system and procedures○ Please forgive us if the redemption (payment) has already been completed or the exemption for redemption has
already been determined when the guide is received.

○ Please contact the following:
Toyama Prefecture Council of Social Welfare or the municipal council of social welfare within
the municipality where you reside
Toyama Prefecture Council of Social Welfare
Phone: 076-432-2960 （9:00–16:00 on weekdays）- 2 -