자녀양육비 대출23. 1. 5. (Thursday) 00:00 ~ until budget runs out
Regular workers, non-regular workers, special workers*, small and medium-sized business owners, and self-employed people who have subscribed to industrial accident insurance for more than 3 months and meet each requirement.
💡Please refer to the ‘Check Announcement’ link for conditions for each item.
📍Loan type and limit amount
– Medical expenses, funeral expenses, living expenses due to reduced wages: 10 million won
– Wedding expenses: 12.5 million won
– Parental care expenses: 5 million won per year per parent or grandparent within the range of 10 million won
– Children’s tuition: 5 million won per year per child attending high school within the range of 10 million won
– Child support: 5 million won per year per child under 7 years of age within the range of 10 million won
– Small living expenses: 2 million won
💡However, when applying for a loan for two or more items, the total limit per applicant is 20 million won.
📍Loan conditions
– Interest rate: 1.5% per year
– Repayment: Choose between 1-year grace period and 3-year grace period or 1-year grace period and 4-year equal principal installment repayment (for small living expenses, 1-year grace period and 1-year repayment)
– Guarantee method: Using the Employee Credit Guarantee Support System [Credit guarantee fee of 0.9% per year is charged separately]
– Agency financial institution: IBK Industrial Bank of Korea
📍How to apply
– Apply online (Work Welfare Net http://welfare.comwel.or.kr) (public certificate required) or apply in person
📍Processing Procedure
① Submit loan application (online or in person)
② Check eligibility (check whether you are eligible for a loan, including income criteria, and check for errors)
③ Preliminary selection (regular selection)
④ Submission of required documents
⑤ Final confirmation and eligibility decision (within 7 days from the date of preliminary selection)
⑥ Issuance and notification of warranty
⑦ Loan execution (Industrial Bank of Korea Internet Banking, Mobile I-ONE Bank)
💡Those eligible for a loan must execute the loan within the loan agreement conclusion period (15 days from the loan decision date)
Korea Workers’ Compensation and Welfare Service / 1588-0075
※ The information in this post is for reference only, and the contents of the announcement may change without notice. For detailed information, please contact the responsible organization.
