Utilization of "reduction and exemption system" such as mortgage for victims of heavy rains July 28, 13:45
It is feared that some people who have been affected by the heavy rain since the beginning of this month will find it difficult to repay their mortgages. Lawyers who are familiar with supporting victims are calling for the use of the "Disaster Loan Reduction System," which allows exemption and reduction of loan repayment.
The "Disaster Loan Reduction Exemption System" allows people who have difficulty in repayment of mortgage loans due to the effects of natural disasters to reduce the loan or exempt repayment without bankruptcy procedures if certain conditions are met. It is a system that can be done.
If you use the system, you can keep a savings deposit of about 5 million yen as a guide, apart from the support money provided by the local government, as a cost to rebuild your life.
In addition,
▽We will not be listed on the black list even if we sort out debt, and
▽As a general rule, we will not make a claim to the joint guarantor.
In order to utilize the system, you need to apply to a financial institution that borrows a loan, but because of the income requirement, Fumiyasu Amima, who is familiar with the support of the disaster victims, said, ``If you are in trouble, first ask a nearby bar association. I would like you to consult us."
Heavy rain disaster Nichibenren also opened a dedicated telephone window
In addition, the Japan Federation of Bar Associations also has a dedicated telephone contact for consultation regarding this heavy rain disaster.
The free telephone consultation dial number of Nichibenren is 0120-254-994. We accept from 11:00 am to 3:00 pm on weekdays.