햇살론 유스 신청방법are info
It is a low-income financial product designed to help college students and young people resolve financial difficulties and focus on studying and preparing for employment, thereby supporting successful entry into society and stable economic activities. Then, let’s take a closer look at the details, from eligibility conditions to loan applications.
Sunshine Loan Bank (low-income financial product)
▶ Covered by Sunshine Loan Youth warranty
▶ Sunshine Loan Youth warranty limit and warranty period
▶ Classification and guarantee limit of specific-purpose funds
▶ Sunshine Loan Youth Warranty Period
▶ Sunshine Loan Youth guarantee fee and loan interest rate
▶ Sunshine Loan Youth submission documents
▶ Application method and procedures
▶ Handling bank
▶ Contact information
▶ In conclusion…
Applicants are college or graduate students between the ages of 19 and 34 with an annual income of KRW 35 million or less, students taking Credit Bank System courses, unemployed young people preparing for employment, or those just starting out in society who have been employed at a small or medium-sized company for less than one year. However, if you own excessive assets, you are excluded from coverage.
*In the case of self-employed individuals, support is available through other microfinance products such as microfinance. (Inquiries: Microfinance Call Center ☎ 1397)
*Sunshine Loan Youth is operated with resources from the welfare fund.
– This product provides up to 12 million won to one person.
– In the case of period-specific limits, general living funds can be up to 6 million won per year, and specific-purpose funds can be up to 9 million won per year. In terms of limits by purpose, general living funds can be up to 3 million won at a time, and specific-purpose funds can be up to 9 million won at a time.
– Re-application is restricted within one month after the guarantee has been executed. Please note that the possibility and limit of re-application varies depending on the amount previously used as a general guarantee and the amount used as a special guarantee.
– For young college students, the government and public institutions support various study funds, housing funds, welfare projects, etc. The guarantee limit is up to 9 million won, and the method of verifying the purpose of use is certificates and receipts related to study and employment, medical expenses receipts, and housing rental contracts. You must submit (original), proof of all real estate registration information (including cancellation information), receipt of full deposit payment, deposit/monthly rent bankbook transaction details, etc.
There is no early repayment fee during the warranty period, the grace period is from 1 year to a maximum of 6 years, and the warranty period is from 8 to 15 years.
*The maximum guarantee period (in parentheses) is the grace period when an additional grace period (2 years) is granted to those scheduled to enlist in the military (excluding those who have completed military service, those exempted, and women).
Employee Sunshine Loan (financial product for low-income people)
The applicable interest rate is the sum of the loan interest rate and the guarantee rate, and is 4.0% for job seekers, 4.5% for those new to society, and 3.6% for those eligible for social consideration.
– All documents are accepted only as original official documents issued within 1 month from the date of application for guarantee (copies and handwritten documents are not accepted)
Sunshine Loan Card (low-income financial product)
– You must apply for a guarantee and submit documents only through the Korea Inclusive Finance Agency app without visiting the Integrated Finance Support Center for the Small People, and complete financial education within 6 months from the date of application for the guarantee.
– The review results may be returned or rejected for reasons such as inappropriate use of funds, insufficient submitted documents, or forgery or falsification.
– After signing the guarantee agreement, you can apply for a loan from the bank of your choice by comparing preferential services among participating banks (Industrial Bank, Shinhan Bank, Jeonbuk Bank).
Guarantee consultation and review of loan applications at the Citizens Finance Promotion Agency. Execution is a business. Shinhan. This is available on the Jeonbuk Bank app.
* The contents of preferential services by bank may differ from the above. Please check with your bank before applying for or executing a loan. (IBK Industrial Bank ☎1566-2566, Shinhan Bank ☎1599-8000, Jeonbuk Bank ☎1588-4477)
For more information, please contact the Korea Inclusive Finance Agency website or the Microfinance Call Center at 1397.
Sunshine Loan Youth is a product that grants a limit of 12 million won to the same person only once, and you cannot apply again even if you repay the entire amount after receiving the loan, so please check again whether you really need it. Job seekers and those new to society may lack the ability to repay, so please plan well from the preparation stage to repayment.
🔗 Sunshine Loan Bank (financial product for low-income people)
[Data source: Korea Inclusive Finance Agency]
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