최저신용자 특례보증great
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Hello, this is Bizbot, a friendly assistant for small business owners.
Applications for special guarantees for those with the lowest credit began on September 29th.
The special guarantee for those with the lowest credit is a special guarantee product for those with the lowest credit score in the bottom 10% of credit scores who had difficulty accessing institutional finance due to past loan delinquency history.
The government’s microfinance loans for people with the lowest credit, such as Sunshine Loan 15, previously existed. However, existing microfinance loans were aimed at those with credit scores in the bottom 20% or lower, so those with credit scores in the bottom 10% or lower in more difficult circumstances could receive government loans. Financial loans were not available.
This special guarantee for people with the lowest credit is a policy aimed at people who had difficulty using low-income financial products such as the Sunshine Loan.
📝Support details
Those eligible for support are those with the lowest credit who have applied for Sunshine Loan 15 but have been rejected, have a credit score in the bottom 10% or less, and have an annual income of 45 million won or less.
The loan limit is up to 10 million won. We do not loan the entire 10 million won from the beginning. For the first loan, up to 5 million won is supported, and additional loans of up to 10 million won are possible if used normally, including repaying interest on time for 6 months.
You can choose between 3 and 5 years for the repayment period. If you wish, you can have a one-year grace period, so the loan period is up to six years.
The loan interest rate is 15.9% per annum, but the interest rate is gradually reduced when repayments are made faithfully.
📌If you choose 3-year repayment → 3.0%p reduction per year 📌If you choose 5-year repayment → 1.5%p reduction per year
Therefore, if repayment is made faithfully, the final interest rate can be lowered to 9.9% per annum.
📝How to apply
First, you can apply for a guarantee through the Korea Inclusive Finance Agency app or through on-site consultation at the Microfinance Integration Support Center. After signing an agreement, you can apply for a loan through the app or sales counter of an agreement financial company.
👉🏻Go to Install the Microfinance Promotion Agency app 👉🏻Go to Find Branches of the Microfinance Integration Support Center nationwide
For inquiries regarding the guarantee review during the application process, we recommend calling the Microfinance Call Center at 1397 (no area code), or calling the loan financial company for loan-related inquiries. Among lending financial companies, the Gwangju Bank inquiry number is 1600-4000, and the Jeonbuk Bank inquiry number is 1588-4477.
Today, we learned about the special guarantee system for people with the lowest credit ratings. We hope this information was helpful to business owners and Bizbot will return next time with more beneficial support project stories.
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