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It is said that after purchasing a car, 7 years in Seoul (5 years in other regions) can be used to receive a refund for the bond purchased when purchasing the car. This is money that can be retrieved when the bonds that are mandatory to purchase when purchasing a car mature. Therefore, let’s learn more about how to check and apply for a car bond refund.
If you purchase a car, it is mandatory to register the car with the local government. At this time, we purchase local development bonds, which are commonly called automobile bonds. However, these bonds are said to be worth about 230 billion won as they are not picked up when they mature.
If you purchase a vehicle of less than 2000cc, a certain percentage of the vehicle price and interest are also refunded depending on the region, such as 4% in Daejeon, 8% in Gangwon, and 12% in Seoul. In addition, it is said that the principal cannot be recovered (expired) after 17 years in Seoul (15 years in other regions) after purchasing the vehicle, so if the period has not passed, be sure to receive a refund.
Amendments on March 1, 2023: Exemption from bond purchase when purchasing a non-commercial vehicle less than 1600cc or a car worth less than 20 million won
In the past, in order to receive a car bond refund, the recipient had to visit the bank in person. However, starting in March 2022, it was revised so that refunds can now be received online or through the bank app. The following is a press release from the Ministry of Public Administration and Security that summarizes the banks for online repayment of automobile bonds (mandatory sales bonds) by region.
Ministry of Public Administration and Security press release: Automobile bond online repayment bank by region
All banks allow inquiries and applications from 09:00 to 18:00 on business days, so please proceed within the time frame.
Those who have registered a car in the Seoul and Incheon areas can find public bonds on the Shinhan Bank app and proceed with selling.
1. Open the Shinhang Bank app and go to Full Menu > Utility Bills > Public Recruitment
2. You can check the refund amount and maturity date in the maturity sale tab.
3. To apply for a refund, click the “Application for Maturity Sale” button below!
4. Click the “Application for Maturity Selling” button below in the details!
5. If you complete the above information, the money will be deposited into your Shinhan Bank account.
Those who have registered their cars in most regions, including Gyeonggi, Ulsan, and Jeju, can find public bonds on the Nonghyup Bank app and proceed with selling.
1. Open the Nonghyup Bank app and manage account > Local development bonds > Inquiry/repay outstanding bonds
2. Enter your resident registration number and check for refund
3. Select the refund you want to apply for and enter the refund information!
4. Refund once you complete the above!
However, there are cases where there is no refund. It is said to be a case of public bond discounting, where a financial company immediately sells bonds by applying a certain discount rate to reduce the cost burden when purchasing a vehicle. However, please be sure to contact your bank for exact confirmation.
How to check and apply for car bond refund
So far, we have learned in detail about how to check and apply for car bond refunds. If you have purchased a car, please be sure to check and receive a refund. I also feel like I have some extra money, which is great.
How to check and apply for car bond refund
Well then, let me end this. I hope you had a useful time. That is all.
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