신용회복위원회 소액대출 자격조건In addition to the common qualification requirements, please find out the limits and interest rate details for each fund, and note that you can apply in-person or non-face-to-face depending on the application amount.
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Through the Credit Recovery Committee’s microloan (microfinance system), you can receive livelihood stabilization funds, student loans, high-interest loan funds, facility improvement funds, and operating funds at low interest rates.
Facility improvement funds and operating funds are funds provided to small business owners, while other funds are classified into funds that can be received by individuals.
You can check the eligibility conditions by dividing them into those eligible for support and those not eligible for support. Let’s look into each in detail.
In order to qualify for a small loan from the Credit Recovery Committee, you must meet one of the following conditions and must not fall under any of the categories that are ineligible for support.
– If you have received debt adjustment from the Financial Services Commission and have been repaying for more than 6 months, or if repayment has been completed within the past 3 years
– Those who have been repaying for more than 12 months since the personal rehabilitation repayment plan was approved by the court, or have completed it within the past 3 years
– When separately designated as a support recipient (microfinance fund contributor)
Even if you meet the requirements for support, you cannot use the Credit Recovery Committee’s small loan system if any of the following applies.
– Those with insufficient income and ability to repay
– When delinquent information is registered
– If you own excessive assets
– If excessive new loans are received after debt restructuring and personal rehabilitation
– When there is a new debt incurred within the last 6 months
The credit recovery committee’s small loan limit is granted differently depending on the debt adjustment repayment period, and in the case of student loans, the same limit is granted to all recipients as an exception.
If you need a living stabilization fund of 3 million won or less, you can apply non-face-to-face. The feature is that you can apply easily and conveniently not only on a PC but also on a mobile phone.
If you meet the Credit Recovery Committee’s small loan eligibility conditions, you can apply, except if you have received rehabilitation approval through the court. If you have received rehabilitation approval, you must visit the branch to proceed.
You can apply for up to 3 million won at a time, and the limit is up to 5 million won depending on the debt adjustment repayment period. In other words, if you are given a maximum limit, you must use 3 million won for the first time and 2 million won additionally.
Repayment is made in equal installments of principal and interest within a maximum of 3 years, and an interest rate of less than 4.0% per annum is applied. In the case of non-face-to-face small loans, it is possible to proceed without submitting separate documents, but you must be registered with Government 24 in advance.
Currently, in addition to the Credit Recovery Committee’s small loan system, you can use the Sunshine Loan through financial support for low-income individuals. Among the various Sunshine Loan series, Sunshine Loan 15 is a product that can be supported through a special guarantee for faithful patients, so it would be helpful to know the related information.
Additionally, please note that if Sunshine Loan 15 is rejected, you can receive support through special guarantee support for those with the lowest credit.
Summary of Sunshine Loan loan qualifications
We provide guidance so that you can accurately check the Sunshine Loan loan eligibility, so if you wish to use the Sunshine Loan, a government-funded microfinance product, please check the conditions yourself.
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