자영업자 대환대출 신청방법The interest burden of small business owners suffering from high interest rates is expected to decrease.
This is because a loan with a high interest rate of more than 7% per annum can be changed to a fixed interest rate loan of 4.5% up to a limit of 50 million won.
The Ministry of SMEs and Startups announced on the 23rd that it will begin accepting applications for ‘small business refinancing loans’ from 4 p.m. on the 26th for small business owners with medium and low credit.
There are two types of refinance loan support: among business loans held by small business owners with medium or low credit (NCB personal credit score of 839 points or less), loans with high interest rates of more than 7% from banks and non-banks.
Alternatively, it is a loan for which the bank issues a certificate of difficulty extending maturity because it is difficult to extend maturity on its own among bank loans.
Regardless of the type of application, it is repaid at a 4.5% fixed interest rate and 10-year installment repayment conditions, and support of up to 50 million won is available regardless of the number of loans eligible for repayment per company.
However, those eligible for refinancing must be loans that were implemented before August 31 of last year and that have been repaying the loan in good faith for more than three months at the time of application.
If you receive support for the 2022 small-vacancy refinancing loan and the new low-interest refinancing program, the existing refinancing amount will be deducted from this year’s refinancing loan limit.
For example, if you received a refinance loan of 30 million won from the Small Business Market Promotion Corporation in 2022, you can only apply for up to 20 million won this time.
Starting on the 26th, small business refinancing loans can be applied online at the Small Business Policy Fund website (ols.semas.or.kr). If it is difficult to apply online, applications can also be made at 77 regional centers of the Small Business Market Promotion Corporation.
When an application is received, the small business verifies whether the business is a small business with medium or low credit and issues a confirmation of eligibility for a refinancing loan. Small business owners can bring the confirmation and visit a bank handling refinancing loans to apply for a refinancing loan.
However, if you wish to refinance a loan for which it is difficult to extend the maturity of a bank loan, you must obtain a ‘Maturity Extension Difficulty Confirmation’ from the bank that issued the loan subject to refinancing before visiting the bank handling the refinancing loan and submit it to the bank handling the refinancing loan.
Banks handling refinancing loans check whether the loan subject to refinancing meets the support conditions, such as whether the loan has a high interest rate of 7% or more and whether the loan has been faithfully repaid for three months, and then reviews the possibility of repayment and finally decides whether to lend.
Detailed information on refinancing loans for small business owners can be found through the announcement on the website of the Ministry of SMEs and Startups. Separately, the Credit Guarantee Fund and some regional credit guarantee foundations also support refinancing programs, so you can compare support targets and conditions to utilize advantageous support programs.
Lee Dae-hee, head of the Small and Medium Business Policy Office at the Ministry of SMEs and Startups, said, “We hope that small business owners who were inevitably forced to use high-interest loans in a crisis situation will be able to reduce their repayment burden through refinancing loans and help them repay their loans normally.”
Inquiry: Corporate Finance Division, Small and Medium Business Policy Office, Ministry of SMEs and Startups (044-204-7616)
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