자녀양육비 대출Today, I will introduce you to the Korea Workers’ Compensation and Welfare Service’s child support loan.
The Korea Workers’ Compensation and Welfare Service’s child support loan, like other loans from the Korea Workers’ Compensation and Welfare Service, is a project supported by the lottery fund of the Lottery Committee of the Ministry of Strategy and Finance in accordance with the Lottery and Lottery Fund Act. It lends money at a low annual interest rate of 1.5%. As the interest rate is low, the qualifications are also very strict, so check carefully and, if you qualify, it would be a good idea to apply.
We will introduce them one by one according to the table of contents below.
Those eligible to apply for the Korea Workers’ Compensation and Welfare Service’s child support loan include workers who have been working for more than three months at a business that is affiliated with or providing labor as of the loan application date, special workers, and workers as of the last day of the month immediately preceding the month in which the loan application date belongs. A single self-employed person (excluding those whose business is closed at the time of application) who has subscribed to the industrial accident insurance special provisions for small and medium-sized business owners for more than 3 months can apply.
However, daily workers are those who have worked for more than 45 days according to the Employment Insurance Work Details Confirmation Report in Form No. 7 of the Enforcement Rules of the Employment Insurance Act within 90 days prior to the application date, and special types such as construction machinery workers who provide labor irregularly on a daily basis. Only workers with an average monthly income of KRW 2.8 million or less can apply, so please check carefully.
However, since income requirements do not apply to non-regular workers, they can apply even if their average monthly income exceeds 2.8 million won.
The loan conditions of the Korea Workers’ Compensation and Welfare Service’s child support loan support all costs incurred in raising children under the age of 7.
The maximum loan limit for child support from the Korea Workers’ Compensation and Welfare Service is 10 million won, up to 5 million won per year per child.
Therefore, to get the maximum amount, there must be 2 or more people…
The Korea Workers’ Compensation and Welfare Service’s child support loan interest rate is very low at 1.5% per annum.
For repayment terms, you can select one of the following: 1-year grace period, 3-year monthly equal principal installment repayment, 1-year grace period, 4-year equal monthly principal installment repayment. However, the grace period and repayment period cannot be changed after selection.
Early repayment is possible without an early repayment fee.
The Korea Workers’ Compensation and Welfare Service’s child support loan requires a guarantee. To apply, you must obtain a guarantee using the Korea Workers’ Compensation and Welfare Service’s Credit Guarantee Support System.
Since the loan comes with an annual guarantee fee of 0.9% after deduction, the actual interest rate should be considered 2.4%…
