| Name of Loan Program |
Details |
Yamaguchi prefecture industrial site location
promotion loan
for small or medium- sized business, or with approval by the governor |
1 Conditions of applicant
| |
(1) Type of industry
| |
•Manufacturing industry
|
| |
•Wholesale dealer
|
| |
•Road transportation
|
| |
•Warehousing
|
| |
•Industry support service
|
|
| |
(2) Type of location
| |
Enterprises (individuals) that have newly constructed
or expanded the facilities related to the above type
of industry within the prefecture, where residents are
living around electric power plant can commute to work
|
|
| |
(3) Other conditions
| |
•New employees must exceed 5, and more than 20% of
those must reside locally.
|
|
2 Loan conditions
| |
(1) The object of loan
| |
(a) Acquisition of land for facilities (Construction
must begin within 1 year from land acquisition.)
|
| |
(b) Cost of Construction of new business facilities,
etc.
|
| |
(c) Acquisition of related facilities or mechanical
equipment (more than 50 million yen)
|
|
| |
(2) Interest rate (per annum)
| |
2.2% (within 5 years) 2.3% (exceeding
5 years)
[guaranteed: 1.9% (within 5 years) 2.0%
(exceeding 5 years)]
|
|
| |
(3) Terms of loan
| |
No longer than 10 years (including grace period of
2 years)
|
|
| |
(4) Repayment method
| |
Monthly payments, in principle
|
|
| |
(5) Maximum Value
| |
| New location in industrial parks or with approval
by the governor |
500 million yen |
| Others |
200 million yen |
|
|
|
| Loan program for small or medium-sized business |
1 Conditions of applicant
| |
(1) Type of location
Enterprises that will newly construct, expand or relocate
their factories, stores, or office buildings within the prefecture.
|
2 Loan conditions
| |
Working funds |
Equipment investment funds |
| Interest rate |
2.1% per annum (within 5 years) 2.3% per annum
(exceeding 5 years)
2.4% per annum (exceeding 10 years) |
| Guarantee fee |
0.85% (all guaranted) |
Term of loan
(Grace period) |
No longer than 5 years
(No longer than 1 year) |
No longer than 15 years
(No longer than 2 years) |
| Repayment method |
Monthly payment, in principle |
| Maximum Value |
50 million yen |
200 million yen |
|
Local industry revitaliza-tion loan programs
for small or medium-sized business
(Large-equipment invest- ment framework) |
1 Conditions of applicant
| |
(1) Type of location
Large-scale and forefront factory construction (more than
300 million yen) which have been approved by the governor
as it has good effect on the economy of the prefecture, the
enhancement and diversification of industrial structure, and
on population growth, especially for youth, in the prefecture.
|
2 Loan conditions
| |
Working funds |
Equipment investment funds |
| Interest rate |
1.9% per annum (within 5 years) 2.0% per annum
(exceeding 5 years)
2.2% per annum (exceeding 10 years)
*if no guaranteed;
| |
2.2% per annum (within 5 years) 2.3% per annum (exceeding
5 years)
|
| |
2.5% per annum (exceeding 10 years) |
|
| Guarantee fee |
0.75% (if guarantee is provided) |
Term of loan
(Grace period) |
No longer than 5 years
(No longer than 1 year) |
No longer than 20 years
(No longer than 2 years) |
| Repayment method |
Monthly payment, in principle |
| Maximum Value |
50 million yen |
500 million yen |
|
| Emergency employment measure loan programs for
small or medium-sized business |
1 Conditions of applicant
| |
(1) Type of location
| |
•Enterprises that have the business plans for employment
increase, and that anticipate employing one or more
regular workers within 6 months hereafter.
•Enterprises that employ one or more new high-school
graduates within Prefecture from April 2003 onward as
regular worker substitutes for persons retiring under
age limit, without decrease in the entire number of
employees, or enterprises that anticipate employing
such new high-school graduates within 6 months hereafter.
|
|
| |
(2) Loan conditions
| |
Working funds |
Equipment investment funds |
| Interest rate |
(per annum)
1.6% (within 5 years) 1.7% (exceeding 5 years) 1.9%
(exceeding 10 years) |
| Guarantee fee |
0.65% (all guaranteed) |
Term of loan
(Grace period) |
No longer than 5 years
(No longer than 1 year) |
No longer than 15 years
(No longer than 2 years) |
| Repayment method |
Monthly payment, in principle |
| Maximum Value |
20 million yen |
200 million yen |
|
|
| Yamaguchi prefecture employee housing fund |
1 Conditions of applicant
| |
(1) Applicable person
| |
Regular employees of induced firms who are building
(including purchasing) new houses or mansions within
the prefecture for their own living
|
|
| |
(2) Condition of houses
| |
Floor space |
| Apartment house |
50 to 280 square meters |
| Others |
80 to 280 square meters |
(3) Other conditions
| |
• Receiving a loan (of the type of a hypothec pari
passu setting) from Housing Loan Corporation |
|
2 Loan conditions
| |
Build a new house |
Purchase a new house (or mansion) |
| Interest rate |
3.14% per annum
[for the period of the first 10 years : 2.88%(2.20%
for youth)] |
| Term of loan(Grace period) |
No longer than 35 years
(No longer than 5 years for youth) |
| Repayment method |
Monthly payment, in principle |
| Maximum Value |
6,200,000 yen |
12,200,000 yen |
| * Additional loan of up to 1,800,000 yen available
for energy saving measures |
|
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