소액생계비대출 대상This is a policy financial product that lends up to 1 million won on the same day of application at an annual interest rate of 15.9% for vulnerable groups that are easily exposed to illegal private finance.
Anyone aged 19 or older, with a credit score in the bottom 20% (NICE 744 points or lower, KCB 700 points or lower), and an annual income of 35 million won or lower can apply.
The small-sum living expenses loan received such a hot response that the website was paralyzed from the first day of consultation reservations. The loan amount exceeded 15 billion won in just over a month after its release.
• Those who need a small amount of money for living expenses
• Those who are looking for illegal private finance because they have difficulty meeting the loan screening requirements
→ There is a government-supported loan product to protect vulnerable groups from high-interest damage.
The decision on whether to approve the loan is made during the consultation process. If there are reasons such as speculative risk or lack of will to repay the loan, the loan may be rejected.
How to apply for a small living expenses loan
🙋 Let’s hear the review of Kim Pin-da, who received an emergency small living expenses loan.
“My landlord suddenly said he would raise the monthly rent, so I urgently looked into a small living expenses loan. First, I received a loan consultation through the Small Business Finance Call Center. (The call center has a long waiting time, so it would be more convenient to do it on the Small Business Finance Promotion Agency website if possible.)”
“They needed evidence for the purpose of the loan. I needed housing expenses, so I submitted a monthly rent contract. The consultation lasted for about 10-15 minutes, but I was so nervous that I wouldn’t be able to receive it because I had a lot of delinquent payments. After writing a repayment plan stating that I could faithfully repay the loan and signing the other contracts, I was able to complete the application process for a total of 1 million won, including the basic 500,000 won and the housing expenses of 500,000 won.”
Tip 1 I recommend checking and preparing the necessary documents in advance before receiving the consultation to receive up to 1 million won in support. Tip2 Don’t forget to complete the simple 5-minute financial education. You can receive a 0.5% preferential interest rate.
If you want to receive the deposit on the day of the loan application, make sure to prepare the documents in advance!
☑️ Copy of the depositor’s ID
☑️ Copy of the depositor’s bankbook
☑️ (Agent if the depositor cannot receive it) Family relationship certificate
The documents below can be downloaded from the data room of the Small and Medium Business Administration website.
☑️ Depositor’s account use consent and confirmation form
☑️ Depositor’s personal information collection, use, and provision consent form
➡️ When you don’t have enough deposit money to return to the tenant? ‘Deposit deposit return loan’
How was today’s Findawiki? When you are burdened by living expenses, don’t forget to look into small living expenses loans first! If you are curious about other loans, use Finda’s loan information service right now.
