1.
one's own funds; personal capital; own-source funding
Money that belongs to the person or company using it, as opposed to money borrowed from a bank or other source. Especially common in discussions of home purchases, starting a business, or investment.
A financial term that distinguishes one's own money from borrowed money. Composed of 自己 (self) + 資金 (funds/capital). Commonly used in banking, real estate, and business contexts.
Common collocations
- 自己資金が足りる / 足りない: to have (not) enough of one's own funds
- 自己資金を用意する: to prepare one's own funds
- 自己資金で購入する: to purchase with one's own funds
- 自己資金比率: equity ratio (ratio of own funds to total capital)
- 自己資金ゼロ: zero down payment (no own funds)
Similar words / antonyms
- 借入金: borrowed money; loan — the opposite; money borrowed from a bank or other lender
- 頭金: down payment — the portion of one's own funds used at the start of a large purchase
- 運転資金: working capital — funds used for day-to-day business operations
- 資本金: capital (of a company) — the registered capital of a corporation
Usage
When applying for a home loan or business loan in Japan, banks typically ask how much 自己資金 the applicant can contribute. A higher 自己資金 ratio usually means better loan terms.