We will lend the necessary funds for women to become economically and socially independent. One joint guarantor is required.

Please be sure to make a reservation by phone and consult with the welfare office.

Eligible person

A woman without a spouse who lives in Itabashi City and meets all of the following requirements:

• Those who are 25 years old or older, or who are under the age of 25 and are supporting a direct relative or sibling
• It is difficult to borrow similar funds from others

*Those who are supporting children under the age of 20 are eligible for the Mother and Child Welfare Fund.
*There are other requirements for each fund. Please contact us for more information.

Fund type

• Business start-up funds Funds needed for a woman to start a business
• Business continuity fund Funds needed for women to continue their businesses
• housing fund Funds needed to repair, preserve, or renovate houses occupied by women
• skill acquisition fund Funds necessary for women or women's children to acquire the necessary knowledge and skills to start a business or find employment
• living expenses Funds necessary to sustain life while women acquire knowledge skills or receive medical care
• study fund Funds necessary for a woman or her child to study at a high school, technical college, junior college, university, or vocational school
• school preparation funds Funds necessary for a woman or her child to enter a high school, technical college, junior college, university, specialized training college, or miscellaneous school, etc.

Loan limit/interest/repayment period

See table below

Type of funds, loan limit, interest rate, repayment period

Fund type	Loan limit	interest	repayment period	Main required documents
Business start-up funds	2,000,000 yen	no interest	Within 7 years after the grace period (1 year) has passed	business plan Business funding estimate Permit (copy)
Business continuity fund	1,500,000 yen	no interest	Within 7 years after the grace period (6 months) has passed	Documents that clarify the current business Business funding estimate Permit (copy)
housing fund	1,150,000 yen 1,800,000 yen in the event of a disaster, etc.	Year 0.55%	Within 7 years after the grace period (6 months) has passed	Plan/Quotation proof of ownership
skill acquisition fund	22,000 yen per month (within 3 years)	no interest	Within 10 years after the grace period (6 months) has passed	Admission (entrance) permit Certificate of enrollment (residence) *Issued by the director of a facility for the purpose of acquiring knowledge and skills.
living expenses	¥91,000/month (within 3 years)	Year 0.55%	Within 10 years after the grace period (6 months) has passed	Admission (entrance) permit Certificate of enrollment (residence) *Issued by the director of a facility for the purpose of acquiring knowledge and skills. A document issued by a doctor or dentist certifying the period of receiving medical care
study fund	See table below	no interest	Within 20 years after the grace period (1 year) has passed	Certificate of enrollment admission letter * Issued by the principal of the school you are attending
school preparation funds	90,000 yen	no interest	After study Within 20 years after the grace period (1 year) has passed	admission letter Pass certificate admission letter *Both copies

School Fund Loan Limits by School

school	National and public (monthly)	Private (Monthly)
high school	17,000 yen	29,000 yen
college of technology	20,000 Yen	31,000 yen
junior college	41,000 yen	49,000 yen
university	41,000 yen	50,000 yen
Specialized Training College (Higher Course)	17,000 yen	29,000 yen
Specialized training school (specialized course)	41,000 yen	49,000 yen
Specialized training school (general course)	28,000 yen	28,000 yen

examination

We will review the lending. As a result, you may not be able to lend.

penalty

If repayment is not made by the specified date, a penalty of 10.75% per annum will be incurred on the principal.

Repayment method

You will be required to repay the loan in annual, half-yearly, or monthly installments in equal installments of principal and interest within the repayment period.

If you have difficulty repaying your loan due to the outbreak of the new coronavirus infection, please check the details from the link below.

• For those who have difficulty repaying welfare fund loans due to the outbreak of the new coronavirus infection (repayment postponement)

About the joint guarantor

One joint guarantor who meets all of the following requirements is required.

• Have lived in Tokyo or nearby prefectures for more than 6 months
• earn an independent living
• You are not already a co-guarantor for this fund
• You can guarantee your loan

Consultation/application window

Please consult with a maternal and child independence supporter at the welfare office in charge of your area.

Please be sure to make a reservation by phone before visiting.

• Itabashi Welfare Office Telephone 03-3579-2322
• Akatsuka Welfare Office Telephone 03-3938-5126
• Shimura Welfare Office Telephone 03-3968-2331