福島県富岡町から北茨城市に避難した方から問い合わせがありました。
「富岡町の自宅は住宅ローンがある。今、北茨城市の雇用促進住宅にいるものの仕事はなく無収入。住宅ローンの返済を止めて下さいと住宅ローン借入した農協に申し出するも断られた」というものです。
ここには、いくつかのポイントがあります。
①貸付けている農協が、返済しなくて良いとは言わないのは当然。これは原則。
②この農協も被災して手続きができない状況にある。しかし引落しのシステムは、県中央の信連で動いている。
③農協は、返済停止を容認できないが、預金口座残高が不足すれば引落しもできない。
④災害支援金の一部が入金してあるが、現金で払戻は可能。
要は、住宅ローンが引落し不能となる残高にすれば良い話です。
その上で、茨城にて銀行口座が開設できるのかどうかが問われました。現金を持つ不安があるとの事。
この件を金融機関に問い合わせると
①免許証で本人確認ができる。(本人確認できるものなら何でも、要相談)
②現在の居住地が申出により確認でき、事情もやむを得ないものである。
③キャッシュカードは、居住地に簡易書留で発送して受け取ってもらう。この方は雇用促進住宅であり問題ない。
④この方が今後移転しても、既に災害支援金を受領しているとすれば、福島県は将来の居所を把握すると考えられる。
として口座開設OKとなりました。
この金融機関の担当者は、この方の氏名を聞いて下さり、最寄の支店も紹介し、かつ支店宛に本件事情をお電話して下さいました。一件落着です。
種々のご要望も一方的では成立しません。
リレーションが大事だと考えます。
対象となるものに向き合うとともに、合意事項とそうでない事を明確に結論を出していくことだと思います。
そのための選択肢の幅を広げるためにも毎日多くの方にお会いしたいと思います。
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