신용회복위원회 소액대출 자격index
The Credit Recovery Committee is a debt counseling organization founded in 2002. This organization, which was created to help people suffering from excessive debt and damaged credit, provides relief through interest rate reduction, debt reduction, and extension of repayment period for those who are unable to repay their debt normally, and also supports personal rehabilitation and bankruptcy applications. I’m doing it. For faithful repayers who are repaying their debt well after debt restructuring, we provide small loans at low interest rates. Today, we will take the time to learn about these “small credit recovery committee” loans.
This product provides loans for various emergency funds, such as living expenses and student loans, to those who lack income or have poor credit. The main body is the Credit Recovery Committee, and the Credit Recovery Committee raises financial resources through financial companies, general companies, donations, and local government subsidies. As of December 31, 2022, we have raised a total of 169.9 billion won in financial resources to support people in need.
The Credit Recovery Committee’s faithful repayment loan is a loan product for those who have received debt adjustment from the Credit Recovery Committee and have been repaying faithfully for more than 6 months, or have completed repayment within the past 3 years. Also, those who have received approval for a personal rehabilitation repayment plan and have been repaying faithfully for more than 12 months or who have completed repayment within the past 3 years are also eligible.
Life stabilization funds (medical expenses, disaster recovery expenses, wedding funds, rental deposit, etc.), student loans (self or dependents), high-interest loan funds (repayment funds for high-interest credit loans), facility improvement funds and operating funds (for small businesses)
For purposes other than student loans, the loan interest rate is 4.0% per annum. (Student loan 2.0%)
70% of the basic interest rate is applied to basic livelihood recipients, the disabled, senior citizens over 70 years old, single-parent families, etc.
Equal installment of principal and interest within a maximum of 5 years
Since the loan for faithful repayers is also a loan product, support is provided taking into consideration the repayment ability.
Delinquent person (person whose delinquent information is registered when checking credit information)
A person with a lot of property
People who lack the ability to repay loans
This applies to those who have received debt adjustment from the Credit Recovery Committee and have been repaying faithfully for more than 6 months, or have completed repayment within the past 3 years. As with the loan for faithful repayers, this product cannot be used by people who are delinquent, have a lot of assets, or lack the ability to repay the loan.
A loan of up to 5 million won is possible for the purpose of stabilizing living expenses. The interest rate is within 4.0% per annum and can be repaid in equal installments of principal and interest within a maximum of 3 years.
In addition, support is available for various financial products for low-income people, such as microcredit, safety net loan, Sunshine Loan 15, and Sunshine Loan. Please note that you can check for linked products through the Microfinance Integration Support Center.
Credit Recovery Committee
Workout, conversion loan, personal rehabilitation, bankruptcy, credit education, rating inquiry, guarantee, debt adjustment, delinquency, bad credit.
www.ccrs.or.kr
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