무직자 청년대출SOCIAL NEWS PICK Loan Insurance Information
Loans for unemployed youth include loan products available from the government and emergency funds from first-tier financial institutions. If you need a loan urgently, it is a good idea to use an emergency fund loan, even if it is only a small amount.
If you want to take advantage of a low interest rate of 1% for a long period of time, it is recommended to use a government-backed loan. Please carefully check the interest rate limit eligibility conditions for various loan products for unemployed young people below, and if you meet the eligibility conditions, be sure to contact the relevant loan financial company.
Latest information on ‘Loan for Vocational Training and Living Expenses’, a government-supported loan for unemployed youth, 2022
This is a loan that can be received up to 20 million won per person at 1%, so it is a good product for those who are currently preparing for employment.
→ You must apply and take classes for more than 140 hours, so you must connect the classes and apply. → While participating in training eligible for loan, you must receive a Tomorrow Learning Card in advance and receive online or offline education.
▶ Sign up for employment welfare service → Apply for loan and credit guarantee → Review eligibility and issue credit guarantee → Access IBK Small and Medium Business Bank internet banking → Personal internet banking → Instant loan product → IBK worker’s livelihood stability loan → Check credit guarantee number → Loan Enter account → Execute loan → Deposit loan account
Sunshine Loan Youth is a government-supported loan product for college students and young people run by the Korea Inclusive Finance Agency. ‘Sunshine Loan 15’ is available only to ‘workers’ who have subscribed to the four major insurance policies, but Sunshine Loan Youth is also available to ‘unemployed people’ such as college students, job seekers, and graduate students.
For more details, please refer to the related article below.
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If you are curious about more government support products for the unemployed, please refer to the related article below.
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1. Guaranteed monthly rental loan for youth only
Loan for unemployed youth: Government-supported loan for low-income, non-homeless youth ‘Guaranteed monthly rental loan exclusively for youth in 2022’
This loan was created in order to resolve the difficulties faced by young people due to the prolonged COVID-19 outbreak and to establish measures to strengthen support for youth housing stability by implementing the ‘Korean New Deal 2.0 Promotion Plan’.
2. LH dormitory-type youth housing
○ Eligibility for occupancy
○ Priority
☞One-person household 3,854,536 Two-person household 5,328,807
☞Total assets: Applicant’s total assets are less than 86 million won
☞Car: Must not own a car
○ Lease conditions
You can move in with a deposit of 600,000 won and 40% of the market rent.
○ Period of residence
Basic contract for 2 years (can be renewed twice if tenant qualifications are maintained, maximum 6 years)
If you would like to know how to apply and learn more about LH youth jeonse loans, please refer to the related article below.
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The Korea Scholarship Foundation Student Loan is a loan for tuition and living expenses for college students supported by the Korea Scholarship Foundation. Compare the two products and select the product that meets the conditions and use it.
1. Tuition loan
○Loan limit: Full tuition (admission fee, tuition)
→ General and special graduate schools 60 million won
→ Professional graduate school 90 million won
○Loan interest rate: 1.7% per year
○Loan eligibility conditions
○ Loan period: Grace period (interest payment) up to 10 years / repayment period (interest + principal payment) up to 10 years
2. Loan for living expenses
○Loan limit: 100,000 won ~ maximum 1.5 million won per semester
○Loan interest: 1.7% per year
○ Conditions
○ Loan period: Grace period (interest payment) up to 10 years / repayment period (interest + principal payment) up to 10 years
Anyone over the age of 19 with a communication level of 9 or lower can use it.
As a document-free loan, anyone over the age of 19 and a customer of one of the three telecommunication companies can apply.
If you would like to see more information on small loans of 500,000 won, please refer to the related article below.
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1. Loans for credit card holders
As a secondary financial institution, it is not recommended for young people, but it is a good condition if you urgently need a high limit. Because the interest rate is not cheap, we recommend using it for a short period of time.
2. Products available for credit loans
○ Lidcorp Credit Loan
○ SBI Cider Bank small minus bank account loan
○SBI Savings Bank Speed Loan
○SBI Savings Bank Babylon
○ Eugene Savings Bank Nao Loan
○ Finq emergency fund loan (examined by Daegu Bank)
○ KB Savings Bank Kiwi Emergency Fund Loan
○ Payco ultra-small amount simple loan
In addition, there are surprisingly many unknown loan-related products for unemployed youth that fit your conditions. We recommend that you check in detail the products other than the representative products on the relevant loan site.
This is because these loan products are not representative products, so only people you know can apply for them.
