정부지원 대출상품 종류Recently, the Financial Services Commission launched an online refinancing loan platform. This is a system that allows you to replace existing high-interest loans with low-interest loans. Among these, the support criteria, credit score standards, application methods, etc. for the most frequently used New Hope Spore and Employee Sunshine Loan are as follows.
This product is operated by a bank under consignment from the government, and has a high loan limit and low interest rate. You must have worked at a workplace that receives the 4 major insurance policies for more than 3 months and your annual income is less than 35 million won. This is possible regardless of your credit score. However, if your annual income is between 35 million won and 45 million won, you must have a credit score of less than 20% (700 points or less based on KCB) to apply.
The support limit is up to 30 million won, but if you are a faithful patient, you can receive additional support of up to 5 million won in emergency living funds. The interest rate is up to 10.5%, and the closer it is to level 1, the lower the interest rate. Additionally, if you are a faithful patient and have low credit, the interest rate is reduced by up to 2%, and the loan period is up to 7 years.
There are quite a few different types of Sunshine Loans, so each person must choose a product that suits their income. If you meet the general qualifications, we recommend the Sunshine Loan for Workers, and if your income is very low and your credit score is in the bottom 10%, we recommend the Sunshine Loan 15. Workers can receive a Sunshine Loan of up to 20 million won, and the interest rate is 11.5%.
If you have used existing policy funds for more than 6 months and your credit score has increased or your debt repayment has improved, you can use Sunshine Loan Bank additionally. Sunshine Loan Bank is run by a first-tier financial institution, and you can receive up to 25 million won. The interest rate is 4-7%, and detailed conditions are as follows.
-Support target: Policy microfinance products (New Hope Spore, Microfinance, 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) Sincerely As a repayer, low credit/low income person whose debt or credit rating* has improved**
*Improvement in debt/credit: Decrease in household loan balance or increase in credit score (KCB) over the past year based on the date of application for guarantee
**Income/Credit Requirements: Annual income of 35 million won or less or lower 20/100 credit score and annual income of 45 million won or less
-Loan limit: Up to 25 million won (temporarily increased until 23.12.31)
However, even if you are eligible for such support, guarantees and loans may be rejected based on the results of the Korea Inclusive Finance Agency’s guarantee agency and the bank’s own loan review. Currently, the authorities are providing an online one-stop service, but many people are excluded because they do not meet the standards. Let’s take a good look at the various microfinance products being implemented by the authorities and make good use of them.
※ The expert column is a space where experts in each field independently provide information and opinions to improve readers’ credit/finance-related knowledge. Therefore, the information or opinions in this post may differ from All Credit’s position.
This is columnist Kim Ji-won, who understands everything about various support policies, from content to requirements, so you can receive them and make sure you don’t miss out! We will notify you faster than anyone else.
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