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Sunshine Loan Bank helps low-credit and low-income people who used policy microfinance products improve their debt or credit rating.
It is a product in the nature of a ‘stepping stone’ that helps you settle into the banking industry.
※ Sunshine Loan Bank is operated with financial resources from bank contributions and lottery funds.
* New Hope Spore, Microcredit, Employee Sunshine Loan, Business Sunshine Loan, Sunshine Loan 15, Sunshine Loan 17,
Change Dream Loan,
Safety net loan, safety net loan Ⅱ, Sunshine Loan Youth, Sunshine Loan Bank
* (Improvement of debt and credit rating) Decrease in household loan balance for the past year as of the date of application for guarantee or
Credit rating (KCB or NICE)
Increase
** (Income/Credit Requirements) Annual income of 35 million won or less (regardless of credit score) or annual income with a credit score in the bottom 20/100
Less than 45 million won
※ Even if you are eligible for the above support, the final guarantee will be provided as a result of the Korea Inclusive Finance Agency’s guarantee review and the bank’s own loan review.
and the loan may be declined
there is.
Minimum KRW 5 million ~ Maximum KRW 25 million*(‘22.2.25~23.12.31
Temporary increase)
* Varies depending on the result of the insurance guarantee review, etc.
3 or 5 years (up to 1 year grace period can be granted within the period)
* (If 3 years is selected) Grace period of 1 year + Principal and interest repayment period of 2 years,
(If 5 years is selected) Grace period of 1 year + principal and interest repayment period of 4 years can be selected.
(Loan interest rate) Varies by bank and user
Detailed interest rates by bank
(Guarantee fee) 2% per year of the deposit amount (90% of the loan amount)
* 1.0% point reduction for those eligible for social consideration, those who have completed financial education/consulting
0.1%p cut, 0.5%p cut for low-income youth (however,
(Cannot be applied concurrently with those eligible for social consideration)
– (Financial education) Taken at the financial education portal (edu.kinfa.or.kr))
– (Credit Debt Management Consulting) Apply on the customized loan website (loan.kinfa.or.kr)
– (Low-income youth) Are under 34 years of age at the time of application
Granted if annual income is confirmed to be less than 35 million won
Repayment in equal installments of principal and interest (exemption of early repayment fee)
Apply at the partner bank counter or through the app
○ BNK Gyeongnam Bank, Gwangju Bank, KB Kookmin Bank, IBK Industrial Bank, NH Nonghyup Bank,
DGB Daegu Bank,
BNK Busan Bank, SH Suhyup Bank, Woori Bank, Jeonbuk Bank, Jeju Bank, Hana Bank, Shinhan Bank, Toss Bank
※ (Pre-inquiry) Before applying for a loan, through the Korea Inclusive Finance Agency app
Check if you are eligible and visit the bank.
You can use it conveniently.
* Since this is a simple pre-qualification inquiry, actual guarantee and loan availability may differ.
○ (Loan Inquiry) Partner Bank Call Center
BNK Gyeongnam (1600-8585), Gwangju (1600-4000),
KB Kookmin (1588-9999), IBK Enterprise (1588-2588),
NH Nonghyup (1661-3000), DGB Daegu (1566-5050),
BNK Busan (1588-6200), SH Suhyup (1588-1515), Woori (1588-5000), Jeonbuk (1588-4477),
Jeju (1588-0079),
Hana (1588-1111), Shinhan (1577-8000), Toss Bank (1661-7654)
○ (Guarantee inquiries) 1397 is provided by the Korea Inclusive Finance Agency call center.
Proof of employment and business to confirm current employment or business operation for more than 3 months (or receipt of pension more than once)
Submission of proof of income is required.
※ Real-name verification certificates such as resident registration cards are commonly required.
In the Korea Inclusive Finance Agency app
Sunshine Loan Bank Pre-Qualification Inquiry
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.
