소액생계비대출 추가대출government support policy
Government support (finance, support benefits)
After 6 months, you can receive additional emergency small living expenses loans. You can apply non-face-to-face (via the Korea Inclusive Finance Agency app) or by visiting a branch.
You can receive and use 500,000 won as an additional emergency small living expenses loan, so if you need it urgently, please apply non-face-to-face.
Those who qualify for the first round of emergency small living expenses loans will be eligible for the second round if they have faithfully repaid the loan over a period of six months after taking out a loan of 500,000 won. And, even if you are in the process of debt adjustment, you can apply if the following requirements are met.
These are people who mainly pay interest, and if they have faithfully repaid for 6 months, they can apply for an additional (second) amount of 500,000 won through non-face-to-face or branch visit.
Those who received 1 million won (specific reasons: housing expenses, medical expenses, study expenses, etc.) when first taking out a loan cannot apply.
It is possible to apply non-face-to-face, but those who have difficulty using it can apply by visiting the Microfinance Integration Center where they first received consultation.
Additionally, in the following cases, non-face-to-face application is not possible and you must visit the center. You must make a reservation in advance when visiting, so please proceed below.
To apply non-face-to-face, you must apply through a smartphone app. It must be received in your own account and must have a joint certificate.
In the case of a joint certificate, it is required when concluding an electronic contract in the middle of the procedure, and if you want to receive it outside of your own account, you must visit the center after making a reservation and consultation.
If you follow the detailed non-face-to-face application process above, you can easily take out a second additional loan for emergency small living expenses.
The biggest advantage for those who visit the center and apply is that, in addition to loans, they can receive support in connection with other welfare systems.
Although I did not receive benefits because I did not know the projects already supported by the government, I can receive help through the employment-linked system (vocational training, living expenses loans, etc.), finding human insurance benefits/savings, and connecting with welfare systems.
If you urgently need a small loan, we recommend that you first seek help from public institutions such as the Korea Inclusive Finance Agency or the Credit Recovery Committee rather than a general loan company.
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