햇살론 유스 신청방법Occasional
📍College students and young people aged between 19 and 34 years old with an annual income of 35 million won or less are largely divided into job seekers and those new to society.
– Job seekers: University (graduate) students, Credit Bank System students, unemployed youth
– Newcomer to society: A person who has been employed at a small or medium-sized business for less than one year
📍Guarantee limit (smallest of the following applies)
1) Same person limit
– Up to 12 million won per day for the same person
2) Limits per period
– General living funds: 6 million won per year
– Specific use funds: 9 million won per year
3) Limits by use
– General living funds: 3 million won per time
– Specific use funds: 9 million won per time
💡Funds for specific purposes: Study/employment preparation funds, medical expenses, housing expenses
📍Warranty period
1) College student
– Maximum grace period: 6 years
– Maximum repayment period is 7 years
– Longest warranty period: 13 years
2) Graduate students, learning bank system learners
– Maximum grace period: 4 years
– Maximum repayment period is 7 years
– Longest warranty period: 11 years
3) Unemployed
– Maximum grace period: 2 years
– Maximum repayment period is 7 years
– Longest warranty period: 9 years
4) Newcomer to society (employed at a small or medium-sized company for less than 1 year)
– Maximum grace period is 1 year
– Maximum repayment period is 7 years
– Longest warranty period: 8 years
💡Those scheduled to enlist in the military (excluding those who have completed military service, those exempted, and women) are granted an additional grace period (2 years)
📍Loan interest rate and guarantee fee rate
– Job seekers: 4.0%
– Newcomers to society: 4.5%
– People eligible for social consideration: 3.6%
💡The actual deposit fee paid varies depending on the deposit amount and grace period selected by the applicant.
Last modified date: 22. 8. 18.
📍Introduction
– Microfinance products to support successful entry into society and stable economic activities by resolving the financial difficulties of college students and young people and helping them focus on studying and preparing for employment.
💡Sunshine Loan Youth is operated with resources from the lottery fund.
📍Usage Procedure
1) Guarantee application and document submission: Check basic qualifications and apply for guarantee through the Seogeumwon app → Complete financial education → Submit documents non-face-to-face
2) Warranty review: Information entered in the app → Submission of documents → Non-face-to-face warranty review
3) Agreement conclusion and loan execution: Agreement conclusion upon guarantee approval → Loan application through the Sunshine Loan Youth agreement bank app → Bank’s loan screening → Loan execution upon loan approval
📍Common required documents
– Real name verification certificate
– Confirmation of health insurance qualification gain or loss
– Documents proving income
💡Health insurance premium payment confirmation, earned income withholding receipt, income amount certificate, etc.
– Bankbook transaction details and confirmation documents
– Proof of business registration
– Copy of resident registration (including military service details)
💡If you need to confirm your military enlistment plan (if you wish for an additional period of service)
– Employment contract
💡If you need to check whether you are working on a fixed-term or part-time basis
– Taxation certificate for each local tax item
💡If you need to check whether your income is high or not
💡Check the announcement for other documents according to qualification requirements.
📍Preferential services by dealer and bank (as of September 21)
1) Jeonbuk Bank
– Preferential interest rates for credit loans: Additional reduced interest rate of 1.0%p (excluding fixed-rate loans when preferential conditions are met)
– Preferential interest rates for term deposits and savings: 0.2%p additional interest rate
– Preferential treatment of various fees: automated devices, electronic finance, SMS, etc. (highest customer level)
2) Shinhan Bank
– Preferential interest rates for mid-interest loans: 0.2% point preference
– Preferential savings interest rates: Preferential interest rates are provided for youth-only savings accounts.
3) Industrial Bank of Korea
– Preferential fees: Exemption from automatic device and electronic finance fees
– Loan linkage: Support for credit loans (2.9% per annum) to young people working in small and medium-sized businesses for those who have completed the loan
– Employment activity support: Use of a small and medium-sized job job platform
📍Contact us
1) Microfinance Call Center (1397 without area code)
2) Partner bank call center
– IBK Industrial Bank ☎1566-2566
– Shinhan Bank ☎1599-8000
– Jeonbuk Bank ☎1588-4477
Korea Inclusive Finance Agency / 1397
※ The information in this post is for reference only, and the contents of the announcement may change without notice. For detailed information, please contact the responsible organization.
