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1. Small living expenses loan is a policy product for the common people that will serve as a stepping stone for the recovery of those who have no choice but to engage in illegal private financing.
2. If your credit score is in the bottom 20% or lower and your annual income is less than 35 million won, you can borrow up to 1 million won at the lowest annual interest rate of 9.4%.
3. After preparing the documents, schedule a visit and receive face-to-face consultation at the National Microfinance Integrated Support Center.
It is a loan product that can serve as a stepping stone for the recovery of those who have difficulty accessing the loan business and who inevitably resort to illegal private financing. It is one of the policy products sold by the Korea Inclusive Finance Agency.
Anyone with a credit score in the bottom 20% or less and an annual income of 35 million won or less can borrow.
* During the loan consultation process, the loan may be rejected depending on the use of the loan for speculative purposes such as gambling, willingness to repay, etc. If delinquent information or financial disorder information is registered with the Korea Credit Information Service, the loan may be rejected. If you are currently in arrears, you will apply for debt adjustment counseling from the Credit Recovery Committee when applying for a small living expenses loan. If you do not receive non-adjustment counseling in the future, interest rate incentives, additional loans, etc. will be restricted.
interest rate
You can borrow at an interest rate as low as 9.4% per annum (maximum 15.9% per annum).
limit
You can borrow up to 1 million won per person.
There are two documents required.
In case of first use
You can make a reservation through the Small Living Expenses Loan online reservation page or the Microfinance Call Center (1397), and then have a face-to-face consultation at a nationwide Microfinance Integrated Support Center.
In case of additional loan
It is said that additional loans can be applied for and same-day loans through the Korea Inclusive Finance Agency app. You can easily apply for an additional loan through the app without making a reservation or visiting the Microfinance Integration Support Center.
* This content was referenced by the Korea Inclusive Finance Agency.
