자녀양육비 대출Those eligible to apply for a child support loan from the Korea Workers’ Compensation and Welfare Service are employees who have been working for more than 3 months at the business they belong to or are working at as of the date of application, or are employed in a special type of work, or are self-employed as a single person enrolled in small and medium-sized industrial accident insurance, and have an average monthly income of 2.96 million won (as of 2023) or less. It’s a person.
However, income requirements do not apply to daily workers if the number of working days is 45 or more within 90 days prior to the application date.
Loan requirements apply to any expenses incurred in raising children under the age of 7.
The loan limit is in the range of 10 million won, up to 5 million won per year per child, and up to 10 million won for two children.
The child support loan has an annual interest rate of 1.5%, and you can choose between a 1-year grace period and 3-year monthly equal principal repayment or a 1-year grace period and 4-year equal monthly principal installment repayment. If you have money and repay it early, you can repay it without a fee. The guarantee method is to use the Korea Workers’ Compensation and Welfare Service’s Credit Guarantee Support System, and a guarantee fee of 0.9% per annum is deducted in advance.
If you have already received a loan up to the loan limit (credit guarantee limit), or if the loan amount has been determined to be recovered pursuant to Article 20* of the regulations, or if delinquent information, etc. is registered with the Korea Credit Information Service, credit guarantee is not possible and loan is restricted.
* Go to the Ministry of Employment and Labor’s notice “Labor Welfare Project Operation Regulations”
What if credit guarantee is not possible? [Shortcuts]
(Personal visit)Visit each regional headquarters and branch office under the jurisdiction of the business site
(Online application) You can apply by logging in with a joint certificate in the service application menu on the Internet Labor Welfare Net.
Go to Labor Welfare Net
The selection process is carried out on a regular basis (immediately) through verification of the person in charge and preliminary selection, but if a shortage of loan resources is expected, loan recipients can be selected in accordance with Article 16 (Loan Priority) of the Labor Welfare Project Operation Regulations.
If the preliminary selection submits the required documents within 7 days, the final decision will be made on the candidate through a second eligibility screening.
Would you like to know more details, such as required documents?
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