혼례비대출A system in which the Korea Workers’ Compensation and Welfare Service provides essential marriage funds without collateral at an ultra-low interest rate to ensure the stability of the lives of working people.
Those who meet all three requirements below:
(1) Must be a worker or special worker who has been working at the affiliated workplace for more than 3 months as of the date of loan application, or a self-employed person who has been enrolled in the Industrial Accident Compensation Insurance Special Case for Small and Medium Business Owners for more than 3 months. (Daily workers must have worked for more than 45 days within the 90 days prior to the date of application.)
(2) Must have an average monthly income of 3.15 million won or less before tax. (However, the income requirement does not apply to irregular workers.)
(3) Must be married within 1 year of the date of marriage registration.
Up to 12.5 million won (*Guarantee fee 0.9% per annum pre-deductible)
*Since there is no collateral, the total guarantee fee for the entire guarantee period is pre-deducted as the credit guarantee support system of the corporation is used,
and in case of early repayment, the guarantee fee corresponding to the extinguished guarantee balance is refunded. – If you borrow 12.5 million won with a 3-year repayment period, 12,156,260 won will be deposited excluding the guarantee fee of 343,740 won
– If you borrow 12.5 million won with a 4-year repayment period, 12,099,230 won will be deposited excluding the guarantee fee of 407,770 won
※ Refer to the credit guarantee fee calculator (https://welfare.comwel.or.kr)
1.5% per annum
Choose between 1-year grace period, 3-year monthly equal principal installment repayment, or 1-year grace period, 4-year monthly equal principal installment repayment
(Only interest is deducted during the 1-year grace period / no early repayment fee)
Access the Labor Welfare Net website Labor Welfare Net (comwel.or.kr) -> Service application -> General worker loan application -> Joint certificate login -> After checking the loan type and wedding expenses, fill out the application form -> Apply -> Receive a text message asking you to submit supporting documents -> *Send supporting documents by email or fax -> Approval completed within 1-2 days
*Supporting documents: Employment certificate / 2023 withholding tax receipt / Family relationship certificate / Marriage relationship certificate
After opening a KEB Hana Bank deposit/withdrawal account (non-face-to-face opening possible)
Mobile
KEB Hana Bank app → Product mall → Loan → i-ONE Worker’s living stabilization fund loan → Confirm guarantee → Enter information → Complete application → Deposit to KEB Hana Bank account
PC
Access KEB Hana Bank personal internet banking → Loan → Log in with joint certificate → i-ONE Worker’s living stabilization loan → Confirm guarantee → Enter information → Complete application → Deposit to KEB Hana Bank account
In the case of a new account, the loan amount cannot be withdrawn at once due to the daily transfer limit to prevent criminal activities such as voice phishing. If you want to lift the limit right away, you have to visit the branch with supporting documents, but it is not easy to make time and it is quite a hassle.
!! Here is a solution!! You can easily solve this by setting up an automatic transfer from Kookmin Bank and setting it to transfer automatically.
Kookmin Bank app → Banking → Transfer/Withdrawal → Automatic transfer → Apply for automatic transfer → Enter deposit account → Enter transfer amount → Enter the transfer date as tomorrow → Apply → Cancel automatic transfer application after confirming deposit
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