햇살론15 조건2023. 10. 29. 10:25
hello.
This is Naver Economy influencer ‘Dals Economy’.
We would like to inform you of policy financial products for people with low credit ratings who have no choice but to use high-interest loans such as moneylenders or illegal private finance.
It is a product called ‘Sunshine Loan 15’, which is a low-income finance product guaranteed by the National Happiness Fund that supports the use of loans as long as the minimum standards are met.
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Sunshine Loan 15 is operated in two types: a general Sunshine Loan and a special guarantee. The special guarantee is a product that expands the application target through a qualitative review of the borrower’s situation.
Let’s learn about Sunshine Loan 15, special guarantee application support, loan limit, interest rate, period, etc.
Supported by
Those eligible for Sunshine Loan 15 are those with a personal credit score in the bottom 20%, and those with an annual income of 45 million won or less are eligible to apply.
However, there are no restrictions on personal credit score for those with an annual income of 35 million won or less.
As of 2023, the bottom 20% of credit scores are 700 points for KCB and 749 points for NICE.
Loan limit, interest rate, period, repayment method
Loan limit: Up to 20 million won
Loan interest rate: 15.9% per annum (single interest rate)
Loan term: 3 or 5 years
Repayment method: repayment in equal installments of principal and interest
When repaying faithfully, the interest rate is reduced every year; if you choose 3 years, it will be reduced by 3.0%p, and if you choose 5 years, it will be reduced by 1.5%p.
If you complete financial education or credit/debt management consulting from the Korea Inclusive Finance Agency, you can benefit from an additional 0.1% point interest rate reduction.
There is no early repayment fee.
What is a special warranty?
The ‘Sunshine Loan 15 Special Guarantee’ is a system that provides special support for those who have difficulty receiving support through the bank’s standardized screening.
Loan eligibility is the same as Sunshine Loan 15, with an annual income of 35 million won or less, or an annual income of 45 million won or less and a personal credit score in the bottom 20%.
The loan period is within 5 years, and the interest rate is the same at 15.9%.
The detailed requirements are the same as Sunshine Loan 15, but the special guarantee is also available to the following people.
Those who receive their salary in cash (non-subscribers to the four major insurance policies)
Those who do not meet employment requirements (employed for less than 3 months)
Unregistered/owned store business
Private taxi drivers, agricultural, livestock, forestry, and fishery workers who have difficulty obtaining official documentation
Debt adjustment (personal rehabilitation, etc.) faithful repayment
Unemployed people cannot apply, and only those who have received a salary for at least one month even if they are not enrolled in the four major insurance policies can apply.
(Non-face-to-face) How to apply, documents
Sunshine Loan 15 can be applied for at 14 commercial banks nationwide and through internet-only banks.
Dealing with: KB Kookmin, Shinhan, Woori, IBK Enterprise, Hana, Nonghyup, Suhyup, Gyeongnam, Gwangju, Daegu, Busan, Jeonbuk, Jeju, SC Jeil, Kakao Bank
Special guarantee: 41 low-income financial integration support centers nationwide
Since Sunshine Loan 15 special guarantee loan service is operated by reservation system at each center, you must first contact the Microfinance Call Center (1397 without area code).
For the Sunshine Loan 15 general warranty, you can apply non-face-to-face through the mobile app. (Shinhan, Woori, Jeonbuk, Gwangju, Kakao Bank, Busan Bank)
Required documents include resident registration copy/abstract, ID card, income verification documents (documents proving earned income, proof of business income, certificate of pension receipt), and documents confirming employment (proof of employment, certificate of business registration, certificate of pension recipient).
Depending on your bank, there may be additional documents requested, so we recommend checking with your bank in advance to prepare them.
We learned about Sunshine Loan 15 general and special guaranteed loan eligibility conditions, government-supported loan limit, interest rate, period, repayment method, application documents, and (non-face-to-face) application method.
I hope this helps those who need loan assistance.
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Naver Economy Influencer. An office worker investor in his 30s. We mainly share information and thoughts on real estate investment, policy, and economic issues. dutyfrees@naver.com
