전북은행 햇살론뱅크 신청조건If you have a low credit score or low income, it is difficult to get a loan with good terms. In order to prevent these people from getting loans at too high an interest rate and increasing their interest burden, the government operates ‘policy finance products for the common people’ such as Haetsal Loan and Saetdol Loan.
However, there are people who have become ambiguous because their credit rating has improved after they have repaid their loans using policy finance products. They cannot get loans at good interest rates from first-tier financial institutions yet, but they are not completely low-credit individuals, so they cannot use policy finance products for the common people.
It is to support those who meet certain conditions by lending money at relatively low interest rates and encouraging them to repay their loans, thereby improving their credit rating and debt, so that they can settle down in the banking sector. Originally, ‘Haetsal Loan’ is a policy product that can be used at savings banks, but the ‘Haetsal Loan Bank’ product is a loan that can be received from first-tier financial institutions. * At this time, the policy small business finance products refer to Saehui Hope Loan, Microfinance, Worker Sunshine Loan, Business Sunshine Loan, Sunshine Loan 15, Sunshine Loan 17, Change Dream Loan, Safety Net Loan, Safety Net Loan II, Sunshine Loan Youth, and Sunshine Loan Bank.
** Low-income, low-credit individuals are (1) those with an annual income of 35 million won or less (credit score does not matter) or (2) those with a credit score in the bottom 20/100 and an annual income of 45 million won or less. If you are not sure whether you are eligible or not, you can check it right away on the Small Business Finance Promotion Agency app or Toss.
You can borrow from 5 million won to 25 million won*. The amount an individual can receive may vary depending on the results of the guarantee review.
* The maximum loan limit has been temporarily increased from February 25, 2022 to December 31, 2023.
You can choose 3 or 5 years. For reference, there is no early repayment fee.
Depending on the bank or person receiving the loan, you will have to pay around 2.9-6% per annum (excluding the guarantee fee, subject to change).
You will also have to pay a guarantee fee. The guarantee fee is 2% per annum of the loan amount. If you are a socially responsible person, you can receive a 1.0%P discount, if you have completed financial education consulting, you can receive a 0.1%P discount, and if you are a low-income youth, you can receive a 0.5%P discount. (However, it cannot be applied simultaneously with a socially responsible person.)
If your loan interest rate is 4% and you are not eligible for a guarantee fee discount, you will have to pay an additional 2%, making a total interest rate of 6%. This is a much lower average interest rate than savings banks or capital loans that are mainly used by people with medium credit.
You can apply by visiting a branch* of one of the 13 partner banks or by installing the app. However, if you use Toss, you can check if you are eligible without going to a branch. *BNK Gyeongnam Bank, Gwangju Bank, KB Kookmin Bank, IBK Industrial Bank, NH Nonghyup Bank, DGB Daegu Bank, BNK Busan Bank, SH Suhyup Bank, Woori Bank, Jeonbuk Bank, Jeju Bank, Hana Bank, Shinhan Bank
I am in charge of loan business development at Toss. I dream of a common-sense society that returns ‘financial sovereignty’ to customers.
