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There may be some people who are unfamiliar with the term car bond. Automobile bonds are called regional development bonds. When we purchase and register a car, we pay various taxes such as registration tax. In this case, it refers to bonds that each local government must purchase.
Automobile bonds are divided into regional development bonds and urban railway bonds.
✅ Regional development bonds: Bonds issued by 16 cities and provinces excluding Seoul, with lump-sum repayment at 5-year maturity
✅ Urban rail bonds: Lump sum repayment at 7-year maturity issued by Seoul, Busan, and Daegu
This bond is used for regional development projects such as road and subway construction, maintenance, water supply and sewerage, and housing development. The purchase target, rate, and interest rate are regulated by each city or city’s ordinance, so there are differences in each city or city.
If the name is unfamiliar and the amount you can get back is not much, is it worth the trouble? You might think so.
The amount of car bond purchased when purchasing a car varies depending on the car’s engine displacement and the region in which it is registered.
From March 2023, bond purchases for non-commercial vehicles of less than 1,000 cc will be exempted. When you purchased a car five years ago, you likely purchased bonds at differentiated rates by region.
Also, when the bond matures, you can receive interest of about 1.5% every year and receive a refund, so the amount will be larger.
In some cases, unrefunded car bonds can range from a few hundred thousand won to over a million won. Wouldn’t it be worth it to find out if there is a refund that I can receive?
The maturity of local development bonds is 5 to 7 years, so if you own a car for this period, you can make an inquiry. After maturity, you can receive back the amount of the bond you purchased plus interest.
According to the Ministry of Public Administration and Security, approximately 3.8 trillion won worth of regional development bonds are generated every year, of which creditors who have not applied for refunds hold 230 billion won, and 2 billion bonds are disappearing every year after the statute of limitations expires.
It is said that many people do not know that they are purchasing a bond when purchasing a car, or they forget that they have a bond after 5 to 7 years and do not apply for it.
Let’s start by looking at the conditions under which you can receive a refund of your car bond.
Applying a bond discount at the time of purchase can result in forgetting that the bond must be sold after 5 years, so it refers to a method of applying a discount rate to the bond amount at the time of purchase and receiving a discount from the vehicle price. The discount rate is high, so the actual discount amount is less than what you would receive after 5 years, but it is said that many people choose it because they can receive it right away.
If you are not sure whether you purchased a bond with a discount or not, please check using the inquiry method below.
Let’s learn about how to check and apply for bonds. Since local development bonds are regulated by municipal ordinances, the bank for receiving refunds varies from region to region. In the past, you had to go to the bank in person, but from March 2023, there are many places where you can check and apply using the internet or mobile phone.
Please check the table below to see if the area where your vehicle is registered supports bank search, online, and mobile app search.
There are different banks in each region. However, since inquiries and applications can be made in the region where Nonghyup Bank has the most branches, we will look at Nonghyup Bank as a standard. The method for finding other banks is similar, so I hope this helps.
Go to Nonghyup Internet Banking
1. Go to the Nonghyup Internet Banking homepage.
2. In the menu items, go to the Utilities – Local Development Bonds – Inquiry/Redemption of Outstanding Bonds menu.
3. In the Outstanding Bonds Inquiry section, you can search if you have any bonds. Since I don’t have a car bond, it says there are no search results.
4. If you want to check in more detail, you can check through the bond purchase confirmation inquiry menu. On the left menu bar, click Bond Purchase Confirmation Inquiry. Then set the period for which you purchased the car. The period can be set in increments of up to one year. If you select All Inquiry, enter your resident registration number, set the period, and then click the Inquiry button, you will be able to inquire when bonds have been purchased.
5. If the search results show that there is a bond, you can check the completion message by entering and confirming the bank account number in your name. It is said that it will take about 2 weeks for the payment to be made after completion.
If the deposit is not received, please contact the relevant bank. Deposits cannot be made in someone else’s name.
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