The point of rebuilding life is affected ... October 16, 16:55
If your home is damaged by a disaster ... Ensuring housing is a major issue. Those who have had a mortgage loan will need to spend more, and it will be a heavy burden. Various systems are currently being prepared to support these victims. It is a point that you should know so that you can not receive support because you did not know the system and do not take a heavy burden.
When cleaning up ... Be careful of safety
Please consider safety when you clean up a damaged home.
□ Work with two or more people □ Consider the safety of subsequent secondary disasters □ Do not enter the building with “red” paper indicating “danger” in emergency risk assessment
* Points to note for emergency risk assessment Architects etc. judge the risk by dividing it into "green", "yellow", and "red" to prevent secondary disasters. Even if it is judged as dangerous “red”, it may differ from the actual damage judgment investigated by the local government. Note that this is different from the “Risk Certificate” issued by the local government.
First thing to do ...
The support you receive depends on the amount of damage.
Please take a picture of the damage before you put it away. It is useful for the subsequent application of the “Risk Disaster Certificate”. * Everything is safe and easy *
□ Make sure to record the damage status with photos, etc. □ Take pictures of the exterior of your home from four directions (east, west, north, and south) □ Take a picture of people standing up so that you can see how far they have been flooded □ Indoor or outdoor equipment The situation of damage
These photos are taken with a mobile phone such as a smartphone, and there is no problem.
The “Nationwide Network Connected by the Earthquake” provides information on how to take photographs that are useful when applying for a disaster certificate on the website.
Required "Risk Certificate"
If your home is damaged, please apply for a certificate of disaster. It is a document that proves the degree of damage and is issued based on a survey by the local government. It is essential to receive various support.
□ Apply for a “Risk Disaster Certificate” to the local government (also for residents in rental housing)
▼ Local governments surveyed and classified into “total destruction”, “large-scale half-destruction”, “half-destruction”, and “lower”.
* If you are not satisfied with the result, you can request a re-investigation.
▼ The local government issues a certificate of disaster.
* Cases that are less than half destroyed (submerged underfloor or no damage, etc.) may be issued.
▼ Receive necessary support based on the “Risk Disaster Certificate”.
The following are examples of assistance that requires a disaster certificate or smoothes the procedure.
・ Benefits such as support for reconstruction of victims' lives ・ Employment into temporary housing ・ Exemption from income tax and property tax and postponement of payment ・ Exemption from public charges such as gas and electricity, postponement of payment and private insurance money Receipt of
Support for reconstruction of victims' lives
Households whose homes have been severely damaged will receive “life support for disaster victims (basic support)”. Please be aware that many applications have been missed in past disasters.
□ Apply to the local government office with the “Risk Disaster Proof” ▼ “Completely destroyed” ... 1 million yen・ ・ ・ ・ ¥ 500,000 ▼ “Demolition of home due to large-scale or half-destruction” ・ ・ ・ ・ ¥ 1 million ▼ “Demolition of home due to site damage such as cracking of the ground” ・ ・ 1 million yen ▼ “Dangerous and unable to live It lasts for a period "... 1 million yen
If you have a loan ... Damaged loan exemption system
Even if your home is damaged by a disaster, the “loan” remains. By using the “Damage Loan Reduction and Exemption System”, you can reduce or exempt loans before the disaster. In addition to subsidies provided by the local government, deposits and savings of up to 5 million yen can be left at hand.
□ Consult with a local bar association with a “Riken Certificate” (lawyer fees are not in principle)
▼ In order to use the system, it is necessary to meet the income requirements.
▼ In principle, there will be no repayment request from the guarantor.
▼ Even if you use the disaster loan exemption system, it will not be registered on the blacklist.
When you want to repair or rebuild ... Emergency repair system
When repairing indispensable parts of your home, such as roofs, walls, and floors, using the “Emergency Repair System”, the local government will pay a portion of the repair costs.
□ Consult with the local government office with a “Risk Disaster Certificate” ▼ As of October 2019, the upper limit is 595,000 yen for “large-scale half-broken” or “half-broken” households. Even for “partially damaged”, depending on the situation (* 10% to 20% damage ratio), it is supported up to 300,000 yen.
▼ In the case of “half-break”, high-income people cannot use.
▼ The system can also be used by tenants.
▼ The repairs are "indispensable parts of life" such as roofs, walls, pillars and floors.
▼ In some cases, the contractor introduced to the local government is a condition of use.
▼ If you use the system, you will not be able to enter temporary housing (including deemed temporary housing).
Life support for reconstruction of victims of disaster (additional support gold life)
When rebuilding a damaged house, you will be provided with a “stricken life reconstruction support fund (additional support fund)”.
□ Consult the local government office with the “Ricoh Certificate” ▼ “Build a new home” 2 million yen ▼ “Repair” ・ ・ ・ ・ ・ ・ 1 million yen ▼ "Residence in rental condominiums, etc."
Disaster relief fund
If your home is damaged, you can borrow money from the local government using the “disaster relief fund” system.
□ Consult with the local government office with the “Ri Disaster Certificate” ▼ You can borrow up to 3,500,000 yen with no interest for the first three years.
▼ Returning is necessary in principle and the use of the system is considered carefully.
Information gathering and consultation
There are many other support systems besides those introduced this time. In addition, local government support may change due to disasters. It is important to be aware of information published by local governments and bar associations.
If you are at a loss or have trouble, please consult with local governments, bar associations, private support groups, etc. I think it will always show you a solution.