자녀양육비 대출If you are a worker, a self-employed person, or a special type of worker and suddenly need living funds, you can use the Korea Workers’ Compensation and Welfare Service’s living finance loan service project. The Korea Workers’ Compensation and Welfare Service is carrying out various loan projects, including child support.
The child support loan is a business that is guaranteed by the Korea Workers’ Compensation and Welfare Service and available at ultra-low interest rates. If you urgently need child support, you can easily use it, so it would be a good idea to carefully check in advance the support targets, support details, and application method that can be applied for in the child support loan project.
▷Worker / Special type worker – If you have been working for more than 3 months at a business that you belong to or provide labor as of the date of loan application.
▷Solo self-employed – If you have subscribed to the industrial accident accident insurance special provisions for small and medium-sized business owners for more than 3 months as of the last day of the month immediately preceding the month in which the loan application date falls (excluding cases where the business is closed at the time of application)
▷Daily worker – If the number of working days is 45 or more within 90 days.
▷Income requirements – Average monthly income of 2.8 million won or less – However, income requirements do not apply to non-regular workers.
▷Within the time the child reaches the age of 7
▷Those who have received a loan up to the credit guarantee limit (20 million won) provided by the Korea Workers’ Compensation and Welfare Service
▷A person whose loan was received through false or fraudulent means and whose loan was decided to be recovered
▷If delinquent information, etc. is registered with the Korea Credit Information Service
▷Supports loans for all expenses incurred in raising children under the age of 7 ▷Limit: 5 million won per year per child within the total range of 10 million won
▷Interest rate: 1.5% per annum ▷Repayment: Choose between 1-year grace period, 3-year monthly principal equal installment repayment or 1-year grace period, 4-year equal monthly principal installment repayment method.
(Changes cannot be made after selecting the grace period and repayment period, early repayment is possible (no early repayment fee))
▷ Korea Workers’ Compensation and Welfare Service Credit Guarantee Support System: Loans are processed after deducting a 0.9% annual guarantee fee in advance.
▷Common documents
– Family Relations Certificate
– Non-regular workers (temporary, part-time, dispatched, daily workers): Employment contract (excluding daily workers)
– Regular workers (other than irregular workers): Copy of withholding tax receipt for the previous year for each income earner
▷Special type workers
– Contracts such as consignment, subcontracting, labor provision, etc. (If it is impossible to submit a service contract, submit a confirmation of labor provision)
– Business registration certificate (if necessary)
– Proof of income amount
– Lease agreement (if necessary)
– Copy of resident registration card, health insurance card, health insurance premium payment receipt or imposition notice
▷Solo self-employed person
– Proof of income amount
– Copy of resident registration card, health insurance card, health insurance premium payment receipt or imposition notice
▷North Korean defector workers
– Confirmation of North Korean defector
Please carefully check and prepare the common documents, relevant documents, and supporting documents for priority application.
To apply for a child support loan from the Korea Workers’ Compensation and Welfare Service,
① After completing the application for a guarantee through the Korea Workers’ Compensation and Welfare Service, ② proceed with the loan application at Industrial Bank of Korea.
▷Visit: Each regional headquarters and branch office under the jurisdiction of the business (minors under 19 years old must visit with a legal representative or guardian (one parent is also acceptable))
▷Internet: Apply after logging in with a joint certificate from the service application menu on ‘Labor Welfare Net’
▷First rolling (immediate) selection: Confirmation of person in charge and preliminary selection
▷Second eligibility screening: Submission of required documents and final decision within 7 days for preliminary selection only
1. Access the ‘Labor Welfare Net’ homepage – After accessing the homepage, authenticate yourself and log in and click the [Service Application] menu.
2. Select the application type in the ‘Application Type’ column → Pledge, Consent, Agreement
– After selecting the application category, confirm that you agree to the required or optional content and check it.
3. Select and apply for child support loan guarantee from Korea Workers’ Compensation and Welfare Service
– Fill out application details and personal information according to the form.
4. Apply for an Industrial Bank of Korea loan after completing the guarantee
– After completing the guarantee application, the loan will be issued through Industrial Bank of Korea.
– You must first open an Industrial Bank of Korea account to apply for a loan.
– Industrial Bank of Korea Product Mall > View all loan products > Select ‘Employee Life Stabilization Fund Loan’ > Apply
▷The Korea Workers’ Compensation and Welfare Service provides various services to ensure the stability of workers’ lives. In addition to child support loans, there are low-interest loan products for wedding expenses, children’s school expenses, medical expenses, parental care expenses, funeral expenses, wage loss living expenses, and small living expenses, so if you need them, please take a look.
▷Right to claim interest rate reduction
If you are using an existing loan, take advantage of the additional ‘interest rate reduction claim’ that can lower your loan interest rate. If your credit score increases while using a loan product, you can lower the loan interest rate through the interest rate reduction claim.
I learned about the Korea Workers’ Compensation and Welfare Service’s child support loan.
The above is the current business details, so when applying, please check whether the business details have changed or whether the project has not closed early before proceeding.^^
Child support loan from Korea Workers’ Compensation and Welfare Service that eases the burden of child support!! If you meet the qualifications and need it, I think it will be of great help if you take advantage of it.
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