자영업자 대환대출 신청방법In order to ease the loan burden of small business owners, the Ministry of SMEs and Startups converts the interest rates of high-interest loans or loans whose maturity is difficult to extend to low-interest loans of around 4.5% per annum. The Ministry of SMEs and Startups will invest 500 billion won in this project, and it is expected that 10,000 to up to 15,000 small business owners will enjoy interest rate relief.
Relieve financial burden by converting high-interest loans held by small business owners with low and medium credit and loans that have difficulty extending maturity into low-interest and long-term installment loans.
Among the loans held by small business owners with low or medium credit, loans with high interest rates from banks or non-banks that are being repaid in good faith, or loans from banks that have difficulties in extending maturity
① (Medium/Low Credit) NCB personal credit score of the CEO (director) is 839 points or less.
※ In the case of a sole proprietorship run by two or more joint venturers or a corporate business run by a co-representative, judgment is made based on the applicant’s NCB personal credit score.
② (Small business owner) An individual or corporate enterprise that satisfies the small business requirements of Article 2 of the Framework Act on Small Businesses and Article 3 of the Enforcement Decree of the same Act.
③ (Loan) 2023.8.31. Previously handled business loans
④ (Faithful repayment) If there has been no more than one overdue payment of 30 days or more, or four or more overdue payments of 10 days or more within the past three months.
⑤ (High-interest loan) High-interest loan of more than 7% from banks and non-banks as of the date of application
⑥ (Difficulty extending maturity) Among bank loans as of the date of application, loans that are scheduled to mature within 3 months but are difficult to extend
① Tax delinquency: If you are delinquent on national and local taxes as of the application date
② Credit information registration: In the following cases that fall under “credit rating information” or “public information” in accordance with the “General Credit Information Management Rules” of the Korea Credit Information Service
③ Delinquency: If you are in arrears on a loan from a financial institution, etc.
④ Suspension/Closed: In case of suspension or closure of business.
⑤ Industries excluded from loans: Cases that fall under the industries excluded from loans according to the 2024 Announcement of the Small Business Policy Fund Loan Plan of the Ministry of SMEs and Startups (see below)
⑥ Others: Loans that do not qualify as business loans, loans that are difficult to determine as loans for business purposes, or loans that are not appropriate for repayment based on the purpose of the funds.
※ Examples: household loans (card loans, cash advances, etc.), insurance contract loans, limit loans (minus account accounts, etc.), lease loans, loans from policy financial institutions, etc.
① (Loan limit) 50 million won per same company (individual, corporation)
② (Loan interest rate) Fixed interest rate of 4.5% per year
③ (Loan period) 10 years (no grace period)
④ (Repayment method) Repay the principal in equal installments every month during the repayment period
⑤ (Purpose of funds) Refinancing existing high-interest loans and loans for which maturity extension or repayment deferral is not applicable to low-interest, long-term installment loans
After the Corporation confirms eligibility for support, apply for, receive, and review a loan at a bank that handles refinancing loans for small business owners, determine whether to refinance, determine the limit, and execute the loan.
① (Confirmation of support eligibility) The Corporation issues a confirmation letter after reviewing whether the small business criteria are met, whether the business falls into an industry excluded from policy funding for small business, and credit score (NCB personal credit score of 839 points or less).
② (Loan application, screening, execution) Application is made at the branches of banks handling refinancing loans for small business owners (12), and after screening, decision is made and execution of loan is made (different for each bank handling refinancing loans for small business owners)
※ As it is treated as a 100% credit loan, no guarantee, real estate collateral, etc. are required.
※ Banks handling refinancing loans: Kookmin, Shinhan, Woori, Hana, Nonghyup, Enterprise, Daegu, Busan, Gyeongnam, Gwangju, Jeonbuk, Jeju 12 locations
③ (Transfer of claims) In the case of non-performing loans such as long-term delinquency, transfer and management of loan claims through microcredit at the handling bank.
④ (Exemption of fees) Exemption of early repayment fees and delay compensation for refinancing loans
Prepare the following application documents and submit them to the bank handling the refinancing loan.
※ In the case of some application documents, documents can be submitted electronically (scraping) or faxed through a joint certificate, etc. (different depending on the bank handling refinancing loans for small business owners)
※ Application documents may differ depending on the bank handling the small business refinance loan, and additional documents may be requested to be submitted if necessary during the loan review process.
2024.2.26.(Mon) ~ 12.20.(Fri) ※ Early closing when budget is exhausted
※ Among small business owners affected by disasters according to the “Disaster Small and Medium Business Support Guidelines”, if they are engaged in an industry that falls under any of the following items, they are exceptionally included in the disaster fund support list.
1. Tobacco wholesale business (46333), non-sealing operation business (91291)
2. Special tourist zone locations according to the “Tourism Promotion Act”: Tobacco wholesale business (46333), dance hall operation business (91291), general entertainment bar business (56211), and martial arts bar business (56212)
3. Special disaster area locations according to the “Basic Act on Disaster and Safety Management”: Tobacco wholesale business (46333), non-painting business (91291), health business (86), veterinary business (731), legal service business (711), accounting and tax business. Service industry (712), customs clearance business (out of 52991), appraisal business (out of 73904), herbal medicine/pharmacy (out of 47811)
Thank you for visiting my blog. For inquiries, please use the comments below. I will answer to the best of my knowledge.
I have been working for 10 years and am self-employed for 10 years. We share various self-employed and small business information.
© Copyright 2022, All Rights Reserved. Support Net.
© Copyright 2022, All Rights Reserved.
Log in to your account below
remember me
To reset your password, enter your username or email address.
-Select Visibility -PublicPrivate
© Copyright 2022, All Rights Reserved.
