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A policy product for the recovery of customers who find it difficult to use even the loan business and inevitably resort to illegal private financing.
Those with a credit score in the bottom 20% and an annual income of less than 35 million won
15.9% per annum (single interest rate)
When repayment is made faithfully without delinquency, the interest rate is reduced according to the repayment period → to the lowest annual rate of 9.9%.
※ Reduced by 3.0%p every 6 months, 12.9% annual interest rate applied to additional loans
Up to KRW 1 million per person (up to KRW 500,000 upon first use, one additional loan possible upon normal use for 6 months)
※ For specific purposes such as medical, housing, and educational expenses, a loan of up to 1 million won is possible upon first use.
Lump sum repayment at maturity of 1 year (no early repayment fee)
※ Maturity can be extended up to 5 years upon faithful repayment
When visiting the Microfinance Integration Support Center, an ID card for identity verification and a copy of a bankbook (in your name) to receive a loan are required.
Additional documents may be required in unavoidable cases, such as restrictions on use of financial institution accounts, and can be confirmed in advance through the Microfinance Call Center by dialing 1397 without an area code.
Korea Inclusive Finance Agency
Loan consultations and applications can be made through direct visits to 46 Microfinance Integration Support Centers across the country, and reservations for visits to the Microfinance Integration Support Center can be made through the banner below or by dialing 1397 without an area code for the Microfinance Integration Support Center.
Release Notice
Small living expenses loan
We serve as a stepping stone for the recovery of customers who have difficulty accessing the loan business and who inevitably resort to illegal private financing.
Copyright Since 2016 Korea Inclusive Finance Agency.
All Rights Reserved.
Nationally recognized certification body (ISMS): Financial Security Institute
[Certification Scope] Public service operation (web, mobile)
[Validity period] 2022.02.23. ~ 2025.02.22.
