자영업자 대환대출The Financial Services Commission recently announced that starting on the 31st, it will expand the scope of support for the ‘low-interest refinancing program’ from existing business loans to household credit loans.
The low-interest refinancing program is a system that changes high-interest business loans of 7% or more per annum to low-interest loans of 5.5% or less per annum in order to ease the burden on self-employed people and small business owners who have suffered damage from COVID-19. The Financial Services Commission and the Credit Guarantee Fund have been operating it since September last year. The limit is up to 100 million won for individuals and 200 million won for corporations.
The refinancing limit for household credit loans is up to 20 million won. However, the limit for business loans and household credit loans will remain at 100 million won. If you have already borrowed 100 million won as a business loan, you cannot use this program as a household credit loan.
Those eligible for support are self-employed individuals who are running their business normally, the first time the loan was processed during the COVID-19 period (January 1, 2020 to May 31, 2022), and household credit loans and card loans with an interest rate of 7% or higher at the time of the refinancing application. Limited to borrowers using . You must also submit documentation proving that the loan was used for business purposes. The Financial Services Commission announced that it has eased the burden of proof so that the purpose can be proven with documents issued through Hometax, the National Tax Service website.
All you have to do is prepare the necessary documents and visit any of 14 banks across the country to apply.
Additionally, from the 31st, self-employed people can renew their 5-year maturity loan (2-year grace period, 3-year installment repayment) to a 10-year maturity loan (3-year maturity, 7-year installment repayment) through the low-interest refinancing program.
Reporter Kim So-jin
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