日本公庫金利改定について

 ━━━━━━━□■□■□■≪貸付利率の改定について≫■□■□■□━━━━━━━
   
日本政策金融公庫 国民生活事業の貸付利率が、令和2年7月1日から以下のとおり
   改定されましたので、お知らせします。

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━


1.担保を不要とする融資を希望される方(年利%)
 
  基準  特別  特別  特別  特別  特別  特別  特別  特別  特別  特別  特別  
  利率  利率A 利率B 利率C 利率D 利率E 利率J 利率N 利率P 利率Q 利率R 利率U 
   
  2.16   1.76 1.51 1.26 1.51  0.76 1.11 1.86 1.96 1.76  1.96 1.66
   ~   ~ ~ ~ ~ ~ ~ ~ ~ ~    ~   ~
2.55  2.15 1.90 1.65 1.90  1.15 1.50 1.94 2.15 2.15  2.04 1.74


2.新創業融資制度(無担保・無保証人)を希望される方(税務申告を2期終えていない方)(年利%)

  基準  特別  特別  特別  特別  特別  特別  特別  特別 
  利率  利率A 利率B 利率C 利率D 利率E 利率J 利率P 利率Q

2.46 2.06 1.81 1.56 1.81  1.06 1.41 2.26   2.06
   ~ ~ ~ ~ ~ ~ ~    ~   ~
2.85 2.45 2.20 1.95 2.20  1.45 1.80 2.45  2.45


3.担保を提供する融資を希望される方(年利%)
 
  基準  特別  特別  特別  特別  特別  特別  特別  特別  特別  特別  特別  
  利率  利率A 利率B 利率C 利率D 利率E 利率J 利率N 利率P 利率Q 利率R 利率U 

1.21 0.81 0.56 0.31 0.56  0.30 0.30 0.91 1.01 0.81  1.01 0.71
   ~ ~ ~ ~ ~   ~ ~ ~ ~ ~ ~ ~
2.20 1.80 1.55 1.30 1.55  0.80 1.15 1.59 1.80 1.80 1.69  1.39


4.災害貸付、東日本大震災復興特別貸付(震災セーフティネット関連を除く)、
平成28年熊本地震特別貸付(その他被害者を除く)、平成30年7月豪雨特別貸付(その他被害者を除く)、
  令和元年台風第19号等特別貸付(その他被害者を除く)、新型コロナウイルス感染症特別貸付をご利用される方(年利%)


  基準  特別  特別  特別  特別  特別  特別  特別  特別    
  利率  利率A 利率B 利率C 利率D 利率E 利率J 利率P 利率Q  

1.36 0.96 0.71 0.46 0.71  0.10 0.31 1.16  0.96  
   ~ ~ ~ ~ ~ ~ ~   ~   ~  
1.75 1.35 1.10 0.85 1.10  0.35 0.70 1.35  1.35  


5.経営者の保証を不要とする融資(「経営者保証免除特例制度」など)を希望される方

(1)「経営者保証免除特例制度」を希望される方
   1.3.4.に掲げる融資(新型コロナウイルス感染症特別貸付を除きます。)との併用になります。貸付利率については以下のとおりです。
表に掲げる利率 +0.2%となります。
  (事業承継・集約・活性化支援資金(企業活力強化貸付)もしくは生活衛生事業承継・集約・活性化支援資金を適用する場合
又は十分な物的担保を提供される場合は上乗せはありません。)

  (注)「経営者保証免除特例制度」については、法人と経営者との一体性の解消が図られていること等、一定の要件がございます。

(2)「ソーシャルビジネス支援資金(企業活力強化貸付)」を希望されるNPO法人の方
   1.3.4.に掲げる利率 +0.1%となります。


6.マル経融資(小規模事業者経営改善資金)、生活衛生改善貸付を希望される方(年利%)

  特別
  利率F

  1.21

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