자동차채권 환급금 조회You can check how much car refund you can get. You can receive your auto bond refund 5 years after purchasing a car (7 years in Seoul). The search method is simple, so please take just one minute to check the car refund amount you can receive.
index
1. Auto bond refund information
2. Calculate the cost of purchasing automobile bonds
3. Discount on car purchase receivables
4. Unrefunded automobile bonds
5. Statute of limitations for car refund
6. Apply for car bond refund
Among the refunds that can be received in relation to car refunds, there is a car bond refund. When purchasing and registering a vehicle, you are required to purchase a local development bond, and you can receive the purchased bond back after 5 years. This is called a car bond refund. Of course, interest is added to the initial purchase amount.
Car bond refunds are mandatory when purchasing and registering a car with a capacity of 1,600 cc or more. Bonds purchased in this way are used for various maintenance such as local government roads and water supply and sewerage, and can be refunded 5 to 7 years after purchasing the bond.
A refund is only possible if the individual personally applies, and since there is a statute of limitations on refunds, it is best to apply in time to receive a refund.
The cost of purchasing public automobile bonds, which must be purchased when purchasing and registering a car, is calculated according to the rate (up to 20% of the vehicle price) set by local government ordinance.
For example, if you purchase a small car worth 20 million won, 9% of the vehicle price is applied to purchase local development bonds worth about 1.63 million won. In the case of Gyeonggi-do, 6% of the vehicle price is applied to purchase regional development bonds worth 1.09 million won.
However, in order to reduce the burden of the initial vehicle purchase cost, many people sell it at the same time as purchasing and receive a certain discount.
Recently, purchase bonds purchased when purchasing and registering a vehicle are immediately resold and a certain amount of discount is received on the vehicle purchase cost.
However, if you purchase and sell an automobile bond at the same time, the discount cost is not a 100% discount on the bond purchase cost. If you do not hold a bond when purchasing it and sell it immediately, a discount rate of approximately 20% is applied in the bond market. Of course, the discount rate may differ slightly depending on the local government, and the discount rate here does not have a positive meaning.
For example, in the case of a 20 million won car, a 9% public bond purchase cost of 1.63 million won is purchased, but if sold immediately, 20%, or about 330,000 won, is deducted and sold for 1.3 million won. When you buy it, it costs 1.63 million won, but if you sell it immediately, it sells for 1.3 million won. In the case of Gyeonggi-do, only the cost of purchasing bonds of 1.09 million won minus 16%, or about 170,000 won, will be discounted. It can be said to be that much of a loss. Therefore, if there is no initial financial burden, it is not a bad idea to receive a refund after 5 years.
You have the option of reselling the purchased bond immediately or receiving a refund after 5 years. The purchase bond price increases depending on the vehicle price, and interest accrues for 5 years, so if necessary, you can receive a refund with interest after 5 years.
Individuals must apply for a car bond refund in person. However, most people don’t know, and even if they know, there are many cases where they put it off and end up not receiving a refund.
In fact, as of last year, it is said that the number of bonds that disappear without refund claims amounts to 2 billion won per year.
In the case of a car worth about 20 million won, the refund amount is more than 2 million won, so it is a very large amount, so it is best to check and get it back.
The statute of limitations for car bond refunds is 10 years for principal and 5 years for interest from the start date of bond repayment (5 years after purchasing the bond).
In other words, in order to receive a refund, you must file a claim within 10 years for the principal and 5 years for the interest, starting from the time when the bond refund is possible. After this statute of limitations period, it belongs to the local government and you cannot receive a refund.
You can check your car bond refund through the Shinhan Bank or Nonghyup app or each bank’s website.
For Seoul and Incheon, use Shinhan Bank, for Daegu, Gwangju, Busan, and Jeonbuk, use local banks, and for the remaining local governments, use Nonghyup.
In the Shinhan Bank app, you can check through the public institution bonds item in the utility bills menu.
In the case of the Nonghyup app, you can check the refund amount through the local development bond menu. Please note that on the NH Nonghyup website, there is a menu for local development bond refund and inquiry under the utility bill menu.
For those who cannot view the bond refund, it can be said that they sold the bond immediately at the time of purchasing the vehicle and received a corresponding public bond discount.
