»日本語の記事(via: 朝日新聞)
Ohgaki Kyosai Bank in Gifu Prefecture, Japan, just introduced a collateral-free loan up to 2,000,000 yen (about $22,000) for infertile couples seeking for treatment. Treatments include check-ups with doctors, medications, and formal treaments such as in-vitro fertilization and intracytoplasmic sperm injection. Legally married couples ranging from ages 20-65 years old are eligible, and either the male or female partner can take on the loan.
Maturity can be set within the range of one to five years, and the interest rate is calculated by adding 2.5% onto the prime rate at the time when the loan taken out.
This seems like such a wonderful service that can not just help out, but also give hopes to many couples suffering from infertility. I wish it was not just collateral-free but also interest-free.
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大垣共立銀行(本店・岐阜県大垣市)は、不妊に悩む夫婦を対象とした無担保ローン「ライフプランFutari―de(フタリ・デ)」の取り扱いを、28日から始める。(中略)20~65歳の既婚者が融資対象で、借り手は夫婦どちらでもいい。検査、投薬、治療の費用について、30万~200万円を無担保で融資する。健康保険の適用外である体外受精や顕微授精にも利用できる。
融資期間は1~5年。金利は短期プライムレート(最優遇貸出金利)に2.5%を上乗せした水準。同行の他のローンを使うより、低めの金利に設定した。
無担保だけじゃなくて、無利息にするともっともっと素晴らしいのに。