Kumamoto

[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.

 In addition, you can utilize real interest-free financing with "Kumamoto new model coronavirus infectious disease-response fund" as heavy rain disaster recovery efforts fund in July, 2020.

 

    (publication contents of this page)

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

  2 "Kumamoto finance facilitation special fund"

  3 consultation, application

  4 conduct summaries, conduct point, style

  5 interest assistance summaries, style

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

 

 

1 "Kumamoto new model coronavirus infectious disease-response 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 (from the viewpoint of prevention of infection spread, we carry out application acceptance by mail.)

(NEW) Among company affected by heavy rain in July, 2020, we extended deadline for application for the first half until October 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)

 

  ※The details of procedure pertaining to interest assistance are thisWe open with the other window

 

 

2 "Kumamoto finance facilitation special fund"

 ○ 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

(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

 

 (style for handling financial institutions)

 

                    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."
                               
                                

     

     
     

    We relate to this page
    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)
    ※When PDF file is attached as materials, Adobe Acrobat(R) is necessary.
    When you look at PDF documents, Adobe Reader is necessary. When you are not displayed definitely, please use the latest version.
    Kumamoto prefectural government office   〒 862-8570  6-18-1, Suizenji, Chuo-ku, Kumamoto-shi, Kumamoto Tel: 096-383-1111 (main)
    Copyright(C) 2015 Kumamoto Prefectural Government. All rights reserved.