日本政策金融公庫の金利改定について
━━━━━━━□■□■□■≪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11月2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 利率 |
特別 利率A |
特別 利率B |
特別 利率C |
特別 利率D |
特別 利率E |
特別 利率J |
特別 利率N |
特別 利率P |
特別 利率Q |
特別 利率R |
特別 利率U |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2.06 ～ 2.45 |
1.66 ～ 2.05 |
1.41 ～ 1.80 |
1.16 ～ 1.55 |
1.41 ～ 1.80 |
0.66 ～ 1.05 |
1.01 ～ 1.40 |
1.76 ～ 1.85 |
1.86 ～ 2.15 |
1.66 ～ 2.05 |
1.86 ～ 1.95 |
1.56 ～ 1.65 |
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 利率 |
特別 利率A |
特別 利率B |
特別 利率C |
特別 利率D |
特別 利率E |
特別 利率J |
特別 利率P |
特別 利率Q |
|---|---|---|---|---|---|---|---|---|
| 2.41 ～ 2.80 |
2.01 ～ 2.40 |
1.76 ～ 2.15 |
1.51 ～ 1.90 |
1.76 ～ 2.15 |
1.01 ～ 1.40 |
1.36 ～ 1.75 |
2.21 ～ 2.50 |
2.01 ～ 2.40 |
３．担保を提供する融資を希望される方（年利％）
| 基準 利率 |
特別 利率A |
特別 利率B |
特別 利率C |
特別 利率D |
特別 利率E |
特別 利率J |
特別 利率N |
特別 利率P |
特別 利率Q |
特別 利率R |
特別 利率U |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1.11 ～ 2.10 |
0.71 ～ 1.70 |
0.46 ～ 1.45 |
0.30 ～ 1.20 |
0.46 ～ 1.45 |
0.30 ～ 0.70 |
0.30 ～ 1.05 |
0.81 ～ 1.50 |
0.91 ～ 1.80 |
0.71 ～ 1.70 |
0.91 ～ 1.60 |
0.61 ～ 1.30 |
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、令和2年7月豪雨特別貸付
（その他被害者を除く）をご利用される方（年利％）
| 基準 利率 |
特別 利率A |
特別 利率B |
特別 利率C |
特別 利率D |
特別 利率E |
特別 利率J |
特別 利率P |
特別 利率Q |
|---|---|---|---|---|---|---|---|---|
| 1.26 ～ 1.65 |
0.86 ～ 1.25 |
0.61 ～ 1.00 |
0.36 ～ 0.75 |
0.61 ～ 1.00 |
0.05 ～ 0.25 |
0.21 ～ 0.60 |
1.06 ～ 1.35 |
0.86 ～ 1.25 |
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 |
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
★ 利率は、金融情勢によって変動いたしますので、お借入金利（固定）は、記載されている利率と異なる場合がございます。
★ 融資制度、お使いみち、ご返済期間、担保の有無などによって異なる利率が適用されます。
★ 詳しくは、各支店の窓口までお問い合わせください。
日本政策金融公庫
融資制度、お使いみち、ご融資期間、担保の有無などによって異なる利率が適用されますので、こちらの主要利率一覧より確認下さい。
（最新版はこちら）
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