Welfare loans for single mothers, widows and fathers

Purpose of the system

The Mother-Child, Father-Child, and Widow Welfare Fund provides loans, in principle, interest-free, in order to promote the economic independence of single-mother households, single-father households, and widowed households, and to improve the welfare of their dependent children.

Eligible borrowers

Maternal and Child Welfare Fund

1. Single mother (a woman without a spouse who is currently supporting a child)
2. Children (under 20 years old) supported by their mother in single-parent households
3. Orphaned children (under 20 years old)

Father and Son Welfare Fund

1. Father of a single-parent family (a man without a spouse who is currently supporting a child)
2. Children (under 20 years old) supported by their father in single-father households

Widows' Welfare Fund

1. Widow (a woman without a spouse who was once a mother in a single-parent household)
2. Children supported by widows (20 years of age or older)
3. A woman aged 40 or older who is unmarried and is not a single mother or a widow

*Of the above 1.3 and XNUMX, if you do not currently have dependent children, there are income restrictions.

Loan Requirements

Renter (those who can apply)

In principle, this applies to children without parents, such as mothers in single-parent households, fathers in single-parent households, widows, etc., who meet any of the following criteria.
In addition, if your current income is sufficient to cover your living expenses and you can cover your necessary expenses without needing to use this system, you will not be eligible.
*Income restrictions apply

Requirements

1. Residing in Fukuoka City.
2. In principle, applicants must be under 60 years old.
3. In order to receive this loan, you must not have borrowed any other loans under other systems, and you have no plans to borrow any in the future.
4. The total amount of monthly repayments for various debts (various loans, borrowings from financial institutions, repayments under various credit agreements, etc.) must be within 1% of the applicant's monthly income.
5. Not being in arrears with payments for various loans, taxes, and utility bills.
6. There is no history of significant default in repayment of this loan in the past.
7. There is no risk of it being used for purposes other than those intended.
8. If you have filed for bankruptcy, you must have been discharged.
9. If you are undergoing civil rehabilitation proceedings, the proceedings must be completed.
10. If you are a foreigner, you must be registered as a resident, have lived in your current location for more than six months, and have the prospect of residing permanently.
11. In principle, child support allowance must be paid. Widows must have received child support allowance in the past.
12. Have a stable place of residence.

joint guarantor

School fees, school preparation fees, training fees, job preparation fees (for children)

In principle, a guarantor is not required.
However, a guarantor is required in the following cases:

• The mother and child making the application have previously received a loan from this fund (or are a joint guarantor) and the total amount of the unpaid loan and the loan for which they are currently applying exceeds 300 million yen.
• When the total of school preparation funds and tuition funds for one school exceeds 260 million yen.
• When a child without parents applies.

Funds other than school tuition, school preparation funds, training funds, and employment preparation funds (for children)

In principle, one guarantor is required.
* The guarantor will be jointly and severally liable with the borrower and the joint borrower.

All funds

If it is determined that repayment cannot be assured without a guarantor, one guarantor is required.

Example)

• Renter is 61 years of age or older.
• The borrower has previously received a bankruptcy discharge order or a civil rehabilitation plan order.
• The borrower is a guarantor for the loan of a person other than a family member and is in arrears on the loan.

Requirements

1. Not be a minor, an adult ward, or a person under curatorship.
2. The guarantor must be a relative within the third degree of kinship. However, this does not apply if there is no relative within the third degree of kinship who meets the requirements for a guarantor, and the mayor approves this.
3. In principle, applicants must be under 60 years old and in good health.
4. In principle, the person must not live in the same household as the applicant.
5. To be able to live independently with a stable income and have the financial and creditworthiness to repay debts.
   (Business start-up funds, business continuity funds, housing funds, wedding funds)
   • In principle, you must have an income of 4 million yen or more for the fiscal year in which the application date falls (the previous fiscal year if the application is made between April 1st and May 5st), and you must still be working in that position as of the application date.
     (Funds other than business start-up funds, business continuity funds, housing funds, and wedding funds)       
   • Those who are not recipients of welfare benefits are, in principle, being taxed on the municipal or prefectural inhabitant's income tax for the fiscal year in which the application date falls (or the previous fiscal year if the application is made between April 4st and May 1st).
6. The loan has been fully repaid or there are no plans to repay the loan in the future.
7. If you are a joint guarantor for another borrower in this loan, that borrower is not in arrears with redemption payments.
8. For those who have filed for personal bankruptcy, etc., they must have filed for bankruptcy under the Bankruptcy Act and been granted a discharge from bankruptcy for three years, or filed for the commencement of rehabilitation proceedings under the Civil Rehabilitation Act and have had the rehabilitation proceedings completed for three years, and be independently supporting themselves with a stable income.
9. Not being a party with an interest in the loan of funds.
10. Not having been the spouse of the mother (father). However, for funds necessary to promote the child's welfare, the father (mother) of the child may act as a guarantor.

Joint tenant

For school tuition, training, school preparation, and employment preparation funds, the child who will be entering school, attending school (training), or finding employment will be jointly and severally liable with the borrower as a joint borrower (except when a child without parents is the borrower).

Loan limits, etc.

Fund Type

• Educational Funding
• School Preparation Funds
• Training Funds
• Job preparation funds
• Skills acquisition funds
• Medical and Nursing Care Funds
• Marriage Funds
• Living expenses Living expenses during the period of acquiring knowledge and skills (up to 5 years)
• Living expenses: Living expenses for the period during which you receive medical care and nursing care (up to one year)
• Living expenses: Living expenses for those who have been single for the past 7 years (for up to 3 months)
• Living expenses Living expenses during unemployment (3 months or less)
• Housing relocation funds
• Housing Finance
• Start-up capital
• Business continuity funds

Educational Funding

• Target audience:Children
• Content (purpose):Monthly expenses such as tuition fees required to attend high school, etc.
• Grace period:Six months after graduation or loss of qualification
• Redemption Period:Up to 20 years after the grace period has elapsed (up to 5 years for general courses at vocational schools)

	home	Outside the home
public	27,000 yen	34,500 yen
private	45,000 yen	52,500 yen

	home	Outside the home
public	31,500 yen	33,750 yen
private	48,000 yen	52,500 yen

	home	Outside the home
public	67,500 yen	96,500 yen
private	93,500 yen	131,000 yen

	home	Outside the home
public	67,500 yen	78,000 yen
private	89,000 yen	126,500 yen

	Monthly amount<br>
Master's Course	132,000 yen
PhD	83,000 yen

	Monthly amount<br>
General Course	54,000 yen

School Preparation Funds

• Target audience: Children
• Content (purpose):One-time expenses such as admission fees required when entering high school or other educational facilities
• Grace period:6 months after graduation or 6 months after acquiring skills
• Redemption Period:Up to 20 years after the grace period has elapsed (up to 5 years for general courses at vocational schools, training facilities, and miscellaneous schools)

primary school	64,300 yen
Junior high school	81,000 yen

	home	Outside the home
General Course	150,000 yen	160,000 yen

	home	Outside the home
public	150,000 yen	160,000 yen
private	410,000 yen	420,000 yen

	home	Outside the home
public	410,000 yen	420,000 yen
private	580,000 yen	590,000 yen

home	Outside the home
272,000 yen	282,000 yen

public	380,000 yen
private	590,000 yen

Training Funds

• Target audience: Children
• Content (purpose):Expenses for acquiring knowledge and skills necessary to start a business or get a job (up to 5 years)
• Grace period:One year after the completion of the period for acquiring knowledge and skills or six months after the qualification is lost
• Redemption Period:Within 20 years after the grace period has elapsed

General (monthly）	68,000 yen
Obtaining a driver's license	460,000 yen

Job preparation funds

• Target audience: Mother, father, widow, etc., children
• Content (purpose): Expenses for purchasing clothing etc. when starting employment
• Grace period: One year from the date of loan
• Redemption Period: Within 6 years after the grace period has elapsed

General	105,000 yen
special	340,000 yen

Skills acquisition funds

• Target audience: Mother, father, widow, etc.
• Content (purpose): Expenses for acquiring knowledge and skills necessary to start a business or get a job (up to 5 years)
• Grace period: One year after the completion of the period for acquiring knowledge and skills or six months after the qualification is lost
• Redemption Period: Within 20 years after the grace period has elapsed

General (monthly）	68,000 yen
Obtaining a driver's license	460,000 yen

Medical and Nursing Care Funds

• Target audience: Mother, father, widow, etc., children
• Content (purpose): Funds necessary to receive medical care or nursing care
• Grace period: Six months after the end of the period of medical or nursing care
• Redemption Period: Within 5 years after the grace period has elapsed

Medical	340,000 yen (special 480,000 yen)
Nursing care	500,000 yen

Marriage Funds

• Target audience: Children
• Content (purpose): Necessary expenses for the marriage of a child
• Loan Limit:320,000 yen
• Grace period: 6 months from the date of loan
• Redemption Period: Within 5 years after the grace period has elapsed

Living funds (skill acquisition)

• Target audience: Mother, father, widow, etc.
• Content (purpose): Subsidized living expenses during the period of acquiring knowledge and skills (up to 5 years)
• Loan Limit:141,000 yen per month
• 　*If you are not the head of household, the monthly limit is 000 yen
• Grace period: Six months after the completion of the knowledge and skill acquisition period or loss of qualification
• Redemption Period: Within 20 years after the grace period has elapsed

Living expenses (medical care)

• Target audience: Mother, father, widow, etc.
• Content (purpose): Living support funds for the period of receiving medical care and nursing care (up to one year)
• Loan Limit:108,000 yen per month
• 　*If you are not the head of household, the monthly limit is 70,000 yen
• Grace period: Six months after the expiration of the period of receiving medical care or nursing care or after the loss of eligibility
• Redemption Period: Within 5 years after the grace period has elapsed

Living funds (life stability)

• Target audience: Mother, father, widow, etc.
• Content (purpose): Living support funds for those who have been single for the past 7 years (for up to 3 months)
• Loan Limit:108,000 yen per month
• 　*If you are not the head of household, the monthly limit is 70,000 yen
• Grace period: Six months after the loan period expires or eligibility is lost
• Redemption Period: Within 8 years after the grace period has elapsed

Living expenses (unemployment)

• Target audience: Mother, father, widow, etc.
• Content (purpose): Living allowance during unemployment (3 months or less)
• Loan Limit:108,000 yen per month
  　*If you are not the head of household, the monthly limit is 70,000 yen
• Grace period: Six months after the loan period expires or eligibility is lost
• Redemption Period: Within 5 years after the grace period has elapsed

Housing relocation funds

• Target audience: Mother, father, widow, etc.
• Content (purpose): Necessary expenses for moving
• Loan Limit:260,000 yen
• Grace period: 6 months from the date of loan
• Redemption Period: Within 3 years after the grace period has elapsed

Housing Finance

• Target audience: Mother, father, widow, etc.
• Content (purpose): Expenses necessary to repair, maintain, expand, renovate, purchase, or build a home that you live in and own
• Loan Limit:1,500,000 yen (special cases) 2,000,000 yen
• Grace period: 6 months from the date of loan
• Redemption Period: Within 6 years after the grace period has elapsed (within 7 years for special loans)

Start-up capital

• Target audience: Mother, father, widow, etc.
• Content (purpose): Expenses necessary to start a business
• Grace period: One year from the date of loan
• Redemption Period: Within 7 years after the grace period has elapsed

Individual	3,470,000 yen
Mother and Child Welfare Organizations	5,220,000 yen

Business continuity funds

• Target audience: Mother, father, widow, etc.
• Content (purpose): Expenses necessary to continue business
• Grace period: 6 months from the date of loan
• Redemption Period: Within 7 years after the grace period has elapsed

Individual	1,740,000 yen
Mother and Child Welfare Organizations	1,740,000 yen

* Lending requirements are determined for each loan fund. For more information, please contact the application office listed below.
* When deciding to lend, we will check the actual expenses required, etc., and will lend an amount that can be repaid within the above limit.

interest

There is no interest.

Redemption (repayment) method

In principle, repayments are to be made in monthly installments within the repayment period set for each fund. Repayments will be debited from a designated bank account. If the amount due is not paid by the due date, a penalty will be charged at the rate of 3% per annum on the overdue principal and interest amount, calculated based on the number of days from the day after the due date to the day of payment.

The Mother and Child, Father and Child, Widow Welfare Fund is a system operated with repayments from people who have borrowed from this fund in the past. The repayments you make will be important funds for those who will need this money next, so please be sure to repay them by the specified deadline.

Application (consultation) desk

Please consult the Family and Child Consultation Center in your ward office.

Contact details for business start-up and business continuity funds

Please contact the Fukuoka City Hall, Children's Future Bureau, Children and Family Division.

Regarding entrustment to a debt collection company

We have outsourced the collection of a portion of the outstanding loan receivables from the Fukuoka City Mother and Child Welfare Fund as follows:

Outsourcer
　Company name: Nittere Debt Collection Co., Ltd.
　Representative: Tomoe Nagaoka, Representative Director
　Debt collection business Minister of Justice license number No. 7

Commission period
　　From April 3, XNUMX to March XNUMX, XNUMX

*Nittel Debt Collection Co., Ltd. is a debt collection company that was authorized by the Minister of Justice in 10 based on the Special Measures Act on Debt Management and Collection Business (Act No. 126 of 11).

Single-parent family information portal site "Tayotte"

We operate a portal site called "Tayotte" that compiles support measures and information from various organizations for single-parent families and families who will soon become single parents. Please feel free to make use of it.

*Click on the image to go to the site.