本商品は、滋賀県内に本社または事業所等がある法人・個人事業主のお客さまにおける滋賀県への地域貢献の想いを実現するため、関西みらい銀行がお客さまへの融資実行額及びお預け入れいただいた定期預金額の一定割合を寄付する商品です。Regarding the start of handling for the Kansai Mirai Regional Promotion Donation Type "Your Future Fund".
August 19, 2024.
Kansai Mirai Bank, Ltd.
Kansai Mirai Bank of the Resona Group (President Kazuhiro Nishiyama) will begin handling the 'Mirai Fund You Spin Together' loan and deposit product from today to support regional revitalization projects in towns and cities in Shiga Prefecture.
This product is a donation product in which Kansai Mirai Bank donates a certain percentage of the loan amount and fixed deposit amount deposited by corporate and individual business owners with a desire to contribute to the region of Shiga to realize contributions to Shiga by corporate and individual business owners with headquarters or offices in Shiga Prefecture.
As the first project, we will donate to the 'Smile Support Project for Children' in Moriyama City.
In March 2024, we signed a cooperation agreement with Moriyama City to realize an attractive city throughout the city. We decided to select Moriyama City as the first donation recipient of this product in order to work on 'child rearing support', one of the cooperation items in the agreement, through donations. We will contribute to the solution of waiting-list children and non-attending children in Moriyama city through donations.
Based on collaboration with each local government in the future, we will add regional revitalization projects to the donation target and promote the revitalization of Shiga Prefecture. To choose from a wide range of customers, we will set up two courses, 'Loan Course' and 'Fixed Deposit Course'.
【Scheme】
To choose from a wide range of customers, we will set up two courses, 'Loan Course' and 'Fixed Deposit Course'.
This product is targeted to corporations and individual business owners with headquarters or offices in Shiga Prefecture who agree with the purpose of the project. We handle two courses, 'Loan Course' and 'Fixed Deposit Course', so that customers can choose according to their needs.
【Commodity Overview】
| 'Loan Course' (Certificate of Deposit Loan) ※1 | 'Fixed Deposit Course' (Large Fixed Deposit) | |
|---|---|---|
| Target subjects | Corporate and individual business owners with headquarters or offices in Shiga Prefecture | Corporate and individual business owners with headquarters or offices in Shiga Prefecture |
| Recipient. | Towns and cities in Shiga Prefecture ※2 | Towns and cities in Shiga Prefecture ※2 |
| Donor. | Kansai Mirai Bank | Kansai Mirai Bank |
| Recruitment period | August 19, 2024 (Monday) to March 31, 2025 (Monday) | August 19, 2024 (Monday) to March 31, 2025 (Monday) |
| Funds raised | JPY 5,000,000,000. | JPY 5,000,000,000. |
| Loan amount/Deposit amount | ¥10 million or more | A single unit is 10 million yen or more. |
| Applicable interest rate. | Our predetermined interest rate. | On the deposit date, the displayed interest rate for a large time deposit at the storefront. |
| Loan period / deposit period. | Two years or more | 1 year |
| Donation. | An amount equivalent to 0.1% of the loan amount*3. | An amount equivalent to 0.025% of the balance of the term deposit*3. |
| Use of funds | Working capital / equipment fund. | - |
| Lending course (certificate loan)*1. | |
|---|---|
| Target subjects | Corporations and individual business owners with headquarters or offices in Shiga Prefecture. |
| Recipient. | Cities and towns in Shiga Prefecture*2. |
| Donor. | Kansai Mirai Bank. |
| Recruitment period | From August 19, 2024 (Monday) to March 31, 2025 (Monday). |
| Total amount of funds raised. | JPY 5,000,000,000. |
| Amount of loans / amount deposited. | 10 million yen or more. |
| Applicable interest rate. | Our predetermined interest rate. |
| Loan period / deposit period. | Two years or more |
| Deposit | Amount equivalent to 0.1% of the financing amount ※3 |
| Use of funds | Working capital and equipment financing |
| Term deposit course (large deposit term deposit) | |
|---|---|
| Target subjects | Corporate and individual business owners with headquarters or offices in Shiga prefecture |
| Recipient. | Municipalities in Shiga Prefecture ※2 |
| Donor. | Kansai Mirai Bank |
| Recruitment period | From August 19th, 2024 (Monday) to March 31st, 2025 (Monday) |
| Amount to be raised | JPY 5,000,000,000. |
| Loan amount / deposit amount | One unit is 10 million yen or more |
| Applicable interest rate | Displayed interest rate of large term deposits deposited on the deposit date |
| Loan period / deposit period | 1 year |
| Deposit | Amount equivalent to 0.025% of the fixed deposit balance ※3 |
| Use of funds | - |
- ※1 There is a screening process determined by our company, and in some cases, we may not be able to meet your requests or collateral or guarantor may be required.
- ※2 Donations will be made to projects supported by municipalities in Shiga Prefecture. At this time, only Moriyama City is eligible.
- ※3 Based on March 31st, 2025 (Monday)