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However, if a borrower with concerns about insolvency is unable to fulfill the debt adjustment plan for more than 90 days while using the new start fund, it is possible to transfer to the insolvent borrower track and adjust it.
▶ Loans that do not fit the purpose of the policy to support borrowers affected by the coronavirus
– Housing purchase loans for the purpose of creating personal assets, loans related to real estate rental and sales, rental guarantee loans, loans secured by bonds (sales receivables, stocks, deposits, etc.), financial leases related to vehicles, etc., factory foundation bonds, household loans of corporate representatives, etc.
▶ Loans that are difficult to adjust through a new start fund due to the nature of the debt
– Discount notes, trade finance, SPC loans, insurance policy loans, other loans with restrictions on disposal, loans in progress of court rehabilitation procedures, etc.
▶ New loans issued within 6 months
– Borrowers with concerns about insolvency cannot support any new loans within 6 months. For insolvent borrowers, support is available if the amount of new debt incurred within 6 months is less than 30% of the total debt amount.
▶ Loans for non-subscribers to agreements such as delinquent taxes, etc.
▶ Loans handled by the Regional Credit Guarantee Foundation after August 29, 2022 by providing special guarantees or bridge guarantees for those with low to medium credit
▶ Loans for which debt restructuring is restricted under the New Start Fund Agreement
