The government implements various systems for young people and helps them live.
Today’s posting will be organized by the Housing and Urban Fund to learn about small and medium-sized enterprises’ youth lease loans for young people working for small and medium-sized enterprises.If you are worried about loan problems while looking for a house, please check if it meets the conditions below and enjoy the benefits provided by the government.
small and medium-sized enterprise youth lease loans
small and medium-sized enterprise youth lease loans
Small and medium-sized enterprises’ youth lease loan is a lease loan product that is organized by the Housing City Fund to lend lease funds to young people employed in small and medium-sized enterprises.It is a loan product that offers the best benefits among the lease loans currently available on the market.
In order to receive a lease loan for young people in small and medium-sized enterprises, you must apply with a housing lease contract signed.Unlike loan products on the market, you apply for a loan after finding a house.
Conditions and Methods of Rental Loan for Young People in Small and Medium Businesses
Conditions for applying for lease loans for young people in small and medium-sized enterprises
Small and medium-sized enterprises can only apply for lease loans for young people aged 19 to 34.
The income standard is less than 50 million won, and 35 million won for single household owners.
You must be employed by small and medium-sized enterprises and start-ups.
Only owners of homeless households are allowed.
How to apply for a lease loan for young people in small and medium-sized enterprises
There are ways to apply for a lease loan for young people in small and medium-sized enterprises online and by visiting banks.
Online applications can be made by visiting the Housing and Urban Fund, the e-Support Site of the Fund, and NH, Kookmin Bank, Shinhan Bank, Industrial Bank of Korea, and Woori Bank if you can visit Industrial Bank of Korea, and Woori Bank.
When choosing a bank, you don’t have to choose the main bank, but you have to proceed with the bank that has the bankbook to speed up the loan.Each bank takes about one to two weeks.
Product description, available housing
Description of SME youth charter loan products
The interest rate on loans is 1.2% per annum, which is a low interest rate.
The loan limit is 80% and 100% of the lease deposit, and up to 100 million won is possible.
The loan period is the first two years and can be extended four times, allowing up to 10 years.
80% loan products are guaranteed by the Korea Housing Finance Corporation and 100% by the Korea Housing & Urban Guarantee Corporation.
Small and Medium Business Youth Lease Loan Applicable Housing
Houses that can be applied for a lease loan for young people in small and medium-sized enterprises must have an area of 85 square meters or less, a residential officetel must have an area of 85 square meters or less, and a lease deposit of less than 200 million won.If the officetel is for business use, not for residential use, there will be no loans.
Small and Medium Business Youth Lease Loan Preparation Form
Select one out of resident registration card, driver’s license, and passport for identification.
certificate of health insurance eligibility
certificate of income verification
lease agreement
Certificate of Business Registration for Small and Medium Enterprises
As necessary documents for extension, you need an ID card, a copy of the register, a copy of your resident registration, a family relationship certificate, an employment insurance qualification history statement, and a current lease contract received on a fixed date.
operation of youth lease loans for small and medium-sized enterprises
The youth lease loan for small and medium-sized enterprises will be operated until December 2023, and you can get a loan at a low interest rate of 1.2% per year.After filling out the lease contract, you can apply within three months from the earliest of the balance payment date on the lease contract and the transfer date on the resident registration copy.
In this posting, we looked into small and medium-sized youth lease loans.If the conditions are right with a good government system that allows you to borrow lease funds at low interest rates, I hope you can use small and medium-sized enterprises’ youth lease loans.
Additional Small and Medium Business Youth Lease Loan