Kumamoto
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[Kumamoto] About the foundation of new fund pertaining to new coronavirus infectious disease measures

The last update date:

    • [Kumamoto] Finance support to proprietor whom fund raising is troubling under the influence of new coronavirus infectious disease

 In Kumamoto, we make financing facility for companies which sales decrease under the influence of new coronavirus infectious disease and support fund raising.

 We accept new fund based on economic measure of country this time from May to support fund raising of the prefecture proprietor more strongly.

   In addition, prefectural system financing that existing corona measures require follows and can use.

 

    (publication contents of this page)

  1 "Kumamoto new model coronavirus infectious disease-response fund" (new fund)

  2 "Kumamoto finance facilitation special fund" (existing fund March 2 ...)

  3 consultation, application (new financially existing fund is common)

  4 conduct summaries, conduct point, style (new financially existing fund is common)

  5 interest assistance summaries, style (new fund)

  About finance support measures of Kumamoto pertaining to 6 new model coronavirus infectious diseases (reference)

 

 

1 "Kumamoto new model coronavirus infectious disease-response fund" (new fund)

■ About conditions of financing
 We perform real no interest, no warranty, guarantee charge reduction of taxes, acceptance pertaining to financing of leaving the principal unredeemed up to five years for three years.
 Financing limit was raised to from 30000000 yen to 40000000 yen from June 12.
 

 

Fund name

 "Kumamoto new model coronavirus infectious disease-response fund"

 Financing limit

40 million yen

※Financing limit 1 of safety net guarantee 4 of "Kumamoto finance facilitation special fund" and crisis-related guarantee in total. It is 40 million yen in 600 million yen (80 million yen X 2 fund). It is not 2 funds and decision outside the standard of mentioned above.

 Financing period

Less than ten years

 Period of deferment

Less than five years

 The upper limit rate of interest

Less than three years fixation one a year. Less than 40%

Less than five years fixation one a year. Less than 55%

Less than seven years fixation one a year. Less than 70%

Seven years super fixation one a year. Less than 90%

 Interest assistance

The prefecture assists interest of 3 years in full

※Interest assistance includes constant requirements.

※You are expected to pay interest once, and the prefecture assists by application in full 2 times a year.

※Please refer to this page "■ interest supporting procedure" for procedures for interest assistance.

 Guarantee charge

 0. 00% (the total amount assistance)

※Guarantee charge assistance includes constant requirements.

 Security

 Unnecessary

 Refinancing

 Refinancing from debt with guarantee is possible

※Refinancing includes constant requirements.

※Refinancing is possible mainly when we are paying back corona measures fund of prefectural financing facility and Kumamoto earthquake-response fund.

Application window

The handling financial institution, commercial and industrial group (please refer to this page "3 consultation, application".)

 The handling period

 May 1, 2020 (prior consultation acceptance start)

 We win for association of credit guarantee receptionist on ... December 31, 2020

   Until January 31, 2021 financing practice minute

 

 [reference: system summary flyer]

  Summary (R2.6.12) of new fund (PDF: 743.9 kilobytes) We open with the other window

 

■ Procedure for interest assistance

(NEW) We extended the application deadline for the first half until August 31 (valid postmark on that day).

・As for the interest, the prefecture assists share from financing practice at first for three years.

・Subsidy of interest divides (for from August to January) into two times a year for (for from February to July) and the second half of the year for the first half and pays.

・During target period, please submit application twice a year. () every year every year valid in the first half minute until August 31 in the second half of the year in minute by February 10 (postmark on that day all)

 

 [reference: procedure summary flyer]   About procedure pertaining to interest assistance (R2.6.12) (PDF: 349.3 kilobytes) We open with the other window

 (1) Proprietor mails application documents to the prefecture (twice a year)

     (the first submission)

        ・Interest supply subsidy authorization book and grant application and bill (the first separate paragraph style)

            Interest supply subsidy authorization book and grant application and bill (the first style) (word: 52 kilobytes) We open with the other window

            Interest supply subsidy authorization book and grant application and bill (the first style) (PDF: 164.3 kilobytes) We open with the other window

           Mention method is this →  Application entry example (PDF: 197.9 kilobytes) We open with the other window

        ・Copy of municipalities authorization book (medium and small-sized business trust insurance law Article 2 Paragraph 5 No. 4, No. 5 or either of article Paragraph 6)

        ・Copy of repayment (return) schedule of published by financial institution

        ・Copy of bankbook of loan return account (the following page of cover) ※In the case of checking account, we get account information

        ・Attached sheet report → In the case of authorization in SN5

            Attached sheet report (word: 106 kilobytes) We open with the other window

    [mailing address] 〒 862-0950

           6-5-19, Suizenji, Chuo-ku, Kumamoto-shi Kumamoto prefectural government office meeting ridge the fourth floor of Building No. 1
           Kumamoto Commerce and Industry Promotion and Finance Division
            Phone number  096-386-8811
                                    ※Mailing address about interest supply assistance was changed from June 2, 2020.
                                   (person sent by former address is transferred)
 
 (2) We send out notice of acceptance from the prefecture to proprietor (only as for the first time)
 
 (3) We send out notice of grant decision from the prefecture to proprietor (twice a year)
 
 (4) We pay interest of applicable period from the prefecture to proprietor (twice a year)
     ※We make transfer to account which had you list by the first grant application (the style first).
  •  

    2 "Kumamoto finance facilitation special fund" (existing fund March 2 ...)

     ○ Tables such as requirements of the use

     

      (1)Prefectural Germany oneself

     (2) For country designation

     (safety net guarantee 4)

     (3) For country designation

     (crisis-related guarantee)

    For prefectural system financing
    Fund name to be able to put
    Kumamoto finance facilitation special fund
    (for new coronavirus infectious disease measures)
    Kumamoto finance facilitation special fund
    (safety net guarantee 4
    For new coronavirus infectious disease measures)
    Kumamoto finance facilitation special fund
    (crisis-related guarantee
    For new coronavirus infectious disease measures)
    Requirements of the use・The latest monthly sales decrease from a year earlier
            Or
    ・Sales possibility of the next two months decreases from the year before

     

    ・The latest monthly sales decrease from a year earlier
         (▲ 20% or more)
            And
    ・Sales possibility of the next two months decreases from the year before    (▲ 20% or more)
      

    ・The latest monthly sales decrease from a year earlier     (▲ 15% or more) 

            And
    ・Sales possibility of the next two months decreases from the year before (▲ 15% or more)

    Financing limit       80 million yen       80 million yen       80 million yen
    Financing period               1 through 10 (period of deferment less than one year)

     1 through 10 (period of deferment less than two years)

    The upper limit rate of interest
       

      Less than three years fixation one a year. Less than 70%

      Less than five years fixation one a year. Less than 90%

      Less than seven years fixation two a year. Less than 00%

      Seven years super fixation two a year. Less than 30%

                 Less than three years fixation one a year. Less than 50%

                 Less than five years fixation one a year. Less than 65%

                 Less than seven years fixation one a year. Less than 80%

                 Seven years super fixation two a year. Less than 00%

    Of guarantee rate
    User burden
                           0. 00% (the prefecture assists in full)
    Refinancing                      It is possible about (※) for Kumamoto earthquake
    Application                The handling financial institution, the chamber of commerce, commercial and industrial meeting, the medium and small-sized business group center society

     

     ※For special loan about Kumamoto earthquake of Kumamoto system financing (SN4 is tough small scale company support fund (part)) about Kumamoto earthquake and the municipalities.

     

    (note), in financing, there is examination by association of financial institution and credit guarantee.

     

     

    3 consultation, application (new financially existing fund is common)

    (1) The head office of financial institution of the handling financial institution next and branch

    Higo Bank, Kumamoto Bank, Kumamoto Shinkin Bank, the best credit association in Kumamoto, Kumamoto center credit association, Amakusa Shinkin Bank, Kumamoto credit union, Dr. Kumamoto credit union,
    Shoko Chukin Bank, Mizuho Bank, Mitsubishi UFJ Bank, Sumitomo Mitsui Banking, Resona Bank, Bank of Fukuoka, Nishi-Nippon City Bank, Ltd., Kagoshima Bank, Minami-Nippon Bank, Nagasaki Bank, Kitakyusyu Bank, Howa Bank, Yokohama good luck silver credit union, OITA BANK, Eighteenth Bank, Miyazaki Bank


    (2) Commercial and industrial group

    ○ Commercial and industrial meeting district

    New coronavirus management consultation hot line

    Phone number

    Prefecture center district (Kumamoto-shi, Uki, Kamimashiki)096-372-2500
    The north district (Tamana, northern part of a castle, Aso) of the prefecture080-8590-0756
    The south district (Yatsushiro, Kuma) of the prefecture080-8590-0758
    Amakusa district (Amakusa)080-8590-0759

     

    Kumamoto business and industry society federation096-325-5161

     

    ○ The chamber of commerce district

    Support organization name

    Phone number

    Support organization name

    Phone number

    Kumamoto Chamber of Commerce and Industry096-354-6688Minamata Chamber of Commerce and Industry0966-63-2128

    Kumamoto Chamber of Commerce and Industry

          Corona dedicated line

    096-324-0033Tamana Chamber of Commerce and Industry0968-72-3106
    Yatsushiro Chamber of Commerce and Industry0965-32-6191Hondo Chamber of Commerce and Industry0969-23-2001
    Hitoyoshi Chamber of Commerce and Industry0966-22-3101Yamaga Chamber of Commerce and Industry0968-43-4111
    Arao Chamber of Commerce and Industry0968-62-1211Ushibuka Chamber of Commerce and Industry0969-73-3141

     

    ○ The Kumamoto medium and small-sized business group center society

    Support organization name

    Phone number

    The Kumamoto medium and small-sized business group center society096-325-3255

     

     

    4 financing facility implementation guidelines, conduct point, style

     

                      5 interest assistance summaries, style

                      •  

                      About finance support measures of Kumamoto pertaining to 6 new model coronavirus infectious diseases (reference)

                          ○ We carry out from Monday, March 2, 2020
                           (1) We started the handling of "Kumamoto finance facilitation special fund" (prefectural Germany oneself).
                           (2) We started the handling of "Kumamoto finance facilitation special fund" (for safety net guarantee 4).
                            ○ We carry out from Tuesday, March 10, 2020
                                 (1) We accepted refinancing from debt (with guarantee) for Kumamoto earthquake about each corona measures fund.
                                 (2) We expanded financing limit about each corona measures fund (50 million yen → 80 million yen).
                                ○ We carry out from Monday, March 23, 2020
                                 (1) We started the handling of "Kumamoto finance facilitation special fund" (for crisis-related guarantee).
                                    Country exercised crisis-related guarantee on Friday, March 13, 2020 to cope with nationwide credit contraction.
                                         With this, we founded new fund corresponding to crisis-related guarantee for prefectural system financing.
                                 (2) Relaxation of financing eligibility requirements
                                    Prefectural system financing says with requirements in running business same as debt purpose more than "one year", but about each corona measures fund,
                                    We relaxed financing eligibility requirements.
                                    (before change) We continue equivalence business more than one year → We continue equivalence business (after the change) more than three months
                                ○ Consultation acceptance start prior from Friday, May 1, 2020
                                 (1) We start prior consultation acceptance of "Kumamoto new model coronavirus infectious disease-response fund"
                                ○ Friday, June 12, 2020
                                 (1) Financing limit increase (30 million yen → 40 million yen) of "Kumamoto new model coronavirus infectious disease-response fund."
                                 
                                  

       

       
       

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      Inquiry

      Department of Commerce, Industry, Tourism and Labour Commerce and Industry Promotion and Finance Division
      Telephone: 096-333-2314
      Fax: 096-383-1854
      Email [email protected]
      (ID: 31183)
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      Kumamoto prefectural government office   〒 862-8570  6-18-1, Suizenji, Chuo-ku, Kumamoto-shi, Kumamoto Tel: 096-383-1111 (main)
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