[Summary of Qualifications and Conditions for Worker’s Sunshine Loan]
■ Loan limit: up to 20 million won
■ Loan period: 3 or 5 years
■ Loan interest rate: within 10.5% per annum
■ Loan target 삼성 햇살론카드
1) Workers who have worked for 3 months or more in 1 year 이베이스매뉴얼
2) Annual income of 35 million won or less, or the bottom 20% of personal credit score, with an annual income of 45 million won or less
※ As of 2022, NICE 744 points, KCB 700 points or less
sunshine card
Sunshine Loan Card is a policy-based credit card launched so that the vulnerable class such as low-income and low-income earners can enjoy credit card benefits such as payment convenience and installment installments. It’s possible. However, this was guaranteed by the People’s Finance Agency, so that even the lowest credit card can be issued. The Microfinance Promotion Agency provides a certain amount of credit every month, guarantees up to 2 million won, and guarantees it for a period of 5 years. In order to apply for the Sunshine Loan card, the credit score must be in the bottom 10% as of the date of application for the guarantee. In addition, disposable income must be at least 6 million won, which means income that can be used for consumption and savings. As a result, you can apply for a Sunshine Loan Card if you meet the credit score and income criteria and complete credit management training on the Education Portal of the Financial Services Agency.
[Conditions for applying for the Sunshine Loan Card]
■ The bottom 10% of the credit score
■ Disposable income of 6 million won or more
■ Completion of credit management education at the Education Portal of the People’s Financial Promotion Agency
How to apply for a worker’s sunshine loan and a sunshine loan card
Source: Microfinance Promotion Agency (left), Credit union (right)
You can apply for the Worker Sunshine Loan both online and offline, and you can apply for the Sunshine Loan without visiting the bank through the application page and mobile app of the bank you are dealing with. It is preferable to do You can apply for the Sunshine Loan for workers by visiting the window of the contracted bank directly or through the application of the contracted bank. And for your reference, you can use it more conveniently by visiting the bank after checking whether you are eligible through the Financial Services Agency App before applying for a loan. Because there are differences, it is advisable to compare several banks before choosing. In addition, banks that handle worker sunshine loans are Nonghyup, Suhyup, Credit Union, Saemaul Geumgo, Forestry Cooperative, IBK Savings Bank, Hanwha Savings Bank, Korea Savings Bank, Dongwon First Savings Bank, Shinhan Savings Bank, BNK Savings Bank, KB Savings Bank, and Yongchang. Savings Bank, Kiwoom Savings Bank, SBI Savings Bank, Hana Savings Bank, Accuon Savings Bank, Moa Savings Bank, NH Savings Bank, MS Savings Bank, etc. Sunshine Loan Card can also be applied for both online and offline. You can apply online through the Low-income Finance Agency app or offline by visiting the Low-income Finance Integration Support Center. You will sign a contract. After that, you can apply for card issuance by selecting the card you like from among the contracted card companies such as Hyundai, Lotte, Woori, Kookmin, Samsung, Shinhan, and Hana. However, it is not unconditional to apply, and since Sunshine Loan Card is a credit card, the minimum repayment ability must be guaranteed, so the guarantee may be rejected according to the review by the Financial Services Agency. Also, even if you receive a guarantee, it may be rejected in the issuance review of the card company.