I chose to rehabilitate myself with a difficult decision, 신용회복위원회 소액대출
Through this, I’ve cleared my debt
nevertheless
and those who urgently need funds
I have it.
And for people like this
Usually, through the third financial sector, so-called loans and bonds
I’m trying to raise funds.
But it’s forbidden and you can’t handle it
It’s often at the level.
This is the time that the Credit Counseling and Recovery Service operates
You can consider using microfinance support.
Individual Rehabilitation System
faced with financial difficulties
out of individual debtors
I’m going to be able to earn income continuously in the future
The person who has the potential is
Individual rehabilitation systems are available.
This is
The total amount of debt is KRW 1 billion for unsecured debt,
In the case of collateral liabilities, it is less than 1.5 billion won
If you repay a certain amount for three years
It is a system that exempts the rest of the debt.
a comparative table of the debtor relief system
What is an individual rehabilitation person?
Individual rehabilitation is undergoing individual rehabilitation
It means a person.
And the loans that these people can get
It’s called individual rehabilitation loan.
But individual rehabilitators
Of course, the credit score is set low.
I can’t help it because I’ve been rehabilitated individually.
So, in a place like a commercial bank
It’s hard to get a loan with low interest rates.
Credit Recovery Commission microloans
For these individual rehabilitators
The Credit Recovery Commission has a microfinance system
We are operating it.
It’s either a lack of income or a lack of income
For low-credit people with low credit scores
in connection with credit recovery support
Lending emergency funds such as living stabilization funds and student loans
It is a system that supports economic recovery.
It doesn’t support a large amount of money
It is also called Credit Recovery Commission microloans.
Financial resources include financial companies, general enterprises, individuals, organizations, etc
Donations made by donations
It is raised with subsidies from local governments.
Therefore, the product list is very diverse.
Debt restructuring and individual rehabilitation
a person with serious injuries
Daejeon Metropolitan City
Dream loan
Busan Metropolitan City
the theory of sin
Gyeongsangbuk-do Province
a fall-out lecture
Gwangju Metropolitan City
the theory of light and sorrow
Seoul Metropolitan Government
an admonition
Gyeonggi Province
the theory of re-challenge
Daegu Metropolitan City
fence theory
Gangwon-do
funds for successful resurgence
Jeju Special Self-Governing Province
Hornediron
Incheon Metropolitan City
the theory of the truth
Chungcheongnam-do
The Happier Chungnam Theory
Jeollabuk-do
the theory of happiness
Chungcheongbuk-do
Chungbuk Hope Fund
Gyeongsangnam-do Province
Gyeongnam Hope Theory
Jeollanam-do
Dream of happiness
the theory of banking partnership
the theory of individual rehabilitation
the theory of hope ladder
LH Corporation’s Happiness Theory
social welfare theory
a fresh start
Credit card
love-filled theory
IBK Hope Theory
The person who faithfully repays debt adjustment and individual rehabilitation
The available microloan products are
I can see that there are 23 types in total.
But these micro-loans
Not everyone can use it.
You have to meet three major conditions.
Conditions of Credit Guarantee Loan (subject to support)
✅ Supported
Anyone who has been faithfully repaying debt for more than six months after receiving debt adjustment from the Credit Recovery Committee or has completed repayment within the last three years
A person who has faithfully repaid an individual rehabilitation plan for at least 12 months after obtaining approval from the court pursuant to the Debtor Rehabilitation and Bankruptcy Act, or who has completed repayment within the last three years
A person who has separately designated as a person eligible for support according to the purpose of contribution by the contributing entity of the microfinance fund
There are also reasons that are impossible.
Those who lack the income or capacity to repay the loan
Person whose overdue information is registered on the credit information inquiry table
a person with excessive possessions
Those with excessive debt incurred after debt adjustment (individual rehabilitation)
Anyone who has incurred a new debt within the last 6 months
✅ Supportability
In order to get a loan, the purpose of using the funds is
It should be five things below.
Sortation
Use of funds
a living stabilization fund
emergency living stabilization funds due to accidents, diseases, disasters, etc
* Medical expenses, disaster recovery expenses, marriage funds, lease deposits, etc
student loan
University student funds of your own or dependents
a high-interest loan fund
High-interest credit loan repayment funds of 18% or more per year borrowed six months prior to the date of the loan application
* Short-term loans (credit card usage price, cash service, etc.), mortgage loans, etc. are not supported
Fund for facility improvement
Funds for the purchase and replacement of fixtures, equipment, and facilities of small business owners
operating funds
Operating funds for the purchase of raw materials, etc. of small self-employed business owners
Loans for purposes other than that
Approval is not possible.
✅ Support limit
The amount that can be supported varies by product,
Interest rates are within 4% per year,
The repayment method is equal division of principal and interest within 5 years.
Product type
loan limit
Repayment method
loan interest rate
Non-face-to-face microloans limit
a living stabilization fund
Debt adjustment 6 to 8 months repayment: up to KRW 2 million
Debt adjustment 9 to 11 months repayment: up to KRW 3 million
Debt adjustment 12 to 23 months repayment: up to KRW 10 million
Over 24 months of debt adjustment: up to KRW 15 million
up to five years
Equal division of principal and interest
Within 4.0% per annum
Debt adjustment 6 to 8 months repayment: up to KRW 2 million
Debt adjustment 9 to 11 months repayment: up to KRW 3 million
Debt adjustment 12 to 23 months repayment: up to KRW 5 million신용회복위원회 소액대출 신용회복위원회 소액대출 신용회복위원회 소액대출 신용회복위원회 소액대출 신용회복위원회 소액대출
a high-interest loan fund
Fund for facility improvement
operating funds
student loan
Up to 10 million won
2.0% per annum
3 Compared to the case of receiving loans from the financial sector
It’s a very low level of interest rate
You can see it.
✅ Support procedures
The application process proceeds in six steps as follows.
① Consultation and reception
② Examination of eligibility
③ a resolution of the loan committee
④ Conclusion of a loan agreement
⑤ Deposit of loans
⑥ monthly repayment of principal and interest
a non-face-to-face microloan
If the amount required is less than 3 million won,
If the purpose of use is emergency living funds
You don’t visit, you can use your PC or mobile
You can apply for a microloan.
This is due to the debt restructuring of the Credit Counseling and Restoration Commission
You have been repaying faithfully for more than six months without payment,
Those who have completed repayment within the last 3 years
You are eligible for support.
Interest rates are within 4% per annum,
It is paid back in equal installments of principal and interest within up to 3 years.
Check the details on the page below
It is possible.