자동차채권 환급금 조회Have you ever wondered how to check and apply for a car refund?
Anyone who has driven a car for more than 5 years can apply for and receive a car refund. However, if you do not apply for a car refund within the deadline, the refund may lapse, so it is best to apply quickly.
Please take just 5 minutes to get your dormant car refund back.
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A car rebate is a refund of the bond you purchased when purchasing and registering a car.
Local development bonds are bonds that are mandatory when purchasing a car and registering it with a local government. Types of bonds include local development bonds and urban railway bonds.
Regional development bonds are issued by 16 cities and provinces excluding Seoul, and have a lump-sum repayment at maturity of 5 years and a 10-year statute of limitations. Urban rail bonds are issued in Seoul, Daegu, and Busan, and have a lump-sum redemption at maturity of 7 years and a 5-year statute of limitations. To summarize, it is as shown in the table below.
In general, when purchasing a car with a capacity of 1,600 cc or more but less than 2,000 cc, a bond equal to 12% of the vehicle value in Seoul, 4% in Daejeon, and 8% in Gangwon is mandatory. Bonds purchased at this time can be refunded immediately after the redemption period.
For example, if you purchase a bond for 6 million won, you can receive a refund of 6.3 million won after 5 years by applying an interest rate of 5%.
However, after the statute of limitations expires, you cannot apply for a car refund as your rights disappear, so if you have driven a car for more than 5 years, you must check your car refund.
Find out how to track your car refund below.
To receive a car refund, you must be able to purchase mandatory bonds such as local development bonds or urban rail bonds when registering a car and then sell them again. Therefore, if it has been 5 years since you registered your vehicle, you can apply for a car rebate.
Additionally, you can apply for a car refund if you do not transfer ownership of the car, sell it, or scrap it.
However, if you purchase a local development bond when registering a car and apply a certain discount rate to discount the bond (immediately sell it), the bond has already been sold, so there is no refund even after 5 years, which is the repayment period, and you are not eligible for a car refund. .
If you do not remember exactly whether you applied for a bond discount (immediate sale) when registering your car, please check the car refund amount below.
This refers to purchasing bonds after purchasing a car and immediately reselling them using the financial company’s discount rate.
Hidden car refunds do not have the right to be refunded after the statute of limitations expires, so if you have driven a car for more than 5 years, you must inquire about car refunds.
When searching for car refunds, the repayment bank differs depending on the region, so you can check the repayment bank for each region and then check the refund on your PC or mobile phone.
If you purchase a car and then purchase local development bonds after March 2022, you do not need to apply for a car refund separately. The car bond refund will be automatically deposited into the account you designated at the time of purchasing the car bond.
When applying for a car refund, please enter the car owner’s name, car registration date, license plate number, mobile phone number, and bank account number. Once you apply for a car refund, the refund will be deposited into the account number you applied for in about two weeks.
1. Launch ‘NH Smart Banking’, the Nonghyup mobile app, and press ‘①Menu’.
2. Click ‘②Account Management’, then click ‘③Regional Development Bonds’ and then click ‘④Inquiry/Redemption of Outstanding Bonds’ to view your car refund.
3. Once the refund is inquired, apply for a car refund.
1. Launch Shinhan SOL, the Shinhan Bank mobile app, and press ‘①Menu’.
2. Click ‘②Public utility bills’ and then check and apply for car refund in ‘③Public institution bonds’.
1. Run Hana One Q, Hana Bank’s mobile app, and press ① menu.
2. Click ‘②Utility bills’ and then ‘③Regional development bonds’ to view and apply for car refunds.
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If you search for a car refund and the refund is not displayed, it means that there is no refund. Cases where the refund is not displayed are as follows.
In order to reduce costs when purchasing and registering a car, mandatory bonds are purchased and the public bonds are discounted (immediately sold) by receiving a discount from a financial company.
In addition, if you cannot receive a car refund because the statute of limitations of 10 years has passed from the time of redemption, which is 5 years after purchasing the bond, you will not be able to inquire about the car refund.
Therefore, if you have driven your car for more than 5 years, you must check your car refund.
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