The entire loan procedure, from application receipt to credit analysis, contractual agreement and funds remittance, can be handled by one of the 61 JFS loan offices throughout Japan. We also provide appropriate information and advice to solve management problems. In order to widen the availability of JFS funds, agency services are provided through head and branch offices of agents comprising almost the entire range of private financial institutions, such as city banks, regional banks, regional banks II, credit associations and credit cooperatives. All loan procedures are undertaken by the agent. If necessary, supplementary materials may be requested.
Maximum period varies depending on the type of business.
As an option, borrowers may elect to pay interest at a fixed rate until the loan matures, or at a rate that is subject to review every five years in line with market conditions. After grace period, as a rule repayment of principal in equal installments Collateral Adequate collateral equivalent to the loan amount is necessary. Decide the kind of collateral through interview. Consult our agencies for details. Guarantor In case of corporations, person who has responsibility for management, usually the president.