NationalDisaster
Disaster Relief Fund Loan
災害援護資金
In short: Loans of up to ¥3.5M for heads of household injured or whose home or belongings were damaged in a disaster, with an income limit.Head of a household that was injured (about 1+ month of treatment), lost 1/3+ of household goods, or had the home half or fully destroyed. Income limit applies (e.g. ¥2.2M prior-year total income for 1 person).(Source: www.bousai.go.jp, verified on 2026-10-15)
Validity: Cabinet Office overview of disaster support schemes checked 2026-10-15. Verified on 2026-10-15. Official source: https://www.bousai.go.jp/taisaku/hisaisyagyousei/pdf/kakusyuseido_tsuujou.pdf
- Income limits for larger households — not recorded.
- Residence-status rule — not stated on source; confirm with office.
Who qualifies
- Head of a household that was injured (about 1+ month of treatment), lost 1/3+ of household goods, or had the home half or fully destroyed. Income limit applies (e.g. ¥2.2M prior-year total income for 1 person). [official source · verified on 2026-10-15]
Conditions by topic
| Age | Not stated in the sources we checked — confirm with the office. |
|---|---|
| Income | Prior-year total income at or below the household-size limit (¥2.2M for 1 person). [official source · verified on 2026-10-15] |
| Household | Not stated in the sources we checked — confirm with the office. |
| Child age | Not stated in the sources we checked — confirm with the office. |
| Residence in Japan | Not stated in the sources we checked — confirm with the office. |
| Residence in Tokyo / municipality | Not stated in the sources we checked — confirm with the office. |
| Work / insurance type | Not stated in the sources we checked — confirm with the office. |
| Disability | Not stated in the sources we checked — confirm with the office. |
Residence status
Not stated in the official sources we checked — unknown.
Where to apply
- Your municipality. [official source · verified on 2026-10-15]
Find addresses in the office finder.
Deadlines
Not yet verified from an official source.
Documents
Not yet verified from an official source.
Key details
- Loan limits: ¥1.5M–¥3.5M depending on injury and damage. Interest up to 3% a year set by ordinance (interest-free during grace period); grace up to 3 years (5 in special cases); repay within 10 years. [official source · verified on 2026-10-15]
Phone / counter phrases
すみません、災害援護資金について伺いたいのですが、対象になるか、何を持っていけばよいか教えていただけますか。
Hello. I would like to ask about the disaster relief fund loan. Am I eligible, and what documents should I bring?
すみません、もう少しゆっくり話していただけますか。
Sumimasen, mō sukoshi yukkuri hanashite itadakemasu ka.
Sorry, could you please speak a little more slowly?
Generic phrases for practical help, not official wording.