자동차채권환급금 조회“When we purchase a car and register the vehicle with the local government, we are required to purchase something called a ‘regional development bond.’ It can be found 5 years after purchasing the bond, but most people do not know that they hold this bond. “Because we often forget, the unrefunded bonds amount to over 230 billion won. Let’s find out how to check if you are eligible and how to get it back.”
These bonds, which are paid when purchasing a car, whether used or new, are used to finance community welfare and regional development projects in each region, and are called regional development bonds and urban rail bonds depending on the purpose. Since you must hold it for more than 5 years after purchase, if you hold it until maturity, you can receive interest equivalent to the bond interest rate in addition to the principal.
However, it is important to remember that these bonds are not money that can be received at any time like bank deposits, but that the right to return the principal disappears after 10 years and the interest after 5 years from the date of repayment. As the right to a refund has disappeared, the amount returned to the national treasury amounts to 2 billion won per year. The fact is that all bonds that are not claimed after the deadline are returned to the national treasury.
The refund that can be received in this way is the car bond refund, but there are many cases where the bond purchased when purchasing a car is immediately sold immediately at a public bond discount and sold at a small loss. In this case, there is no bond. It is not eligible for a refund.
Car bond refunds can be inquired through the safe bank in each region. You can check through the local bank website or mobile app where you registered your car, and even apply for a refund. You can search by accessing the bank in your car registration region in the table below.
To check, if you are in the Seoul or Gyeonggi area, you can check as follows on the websites or mobile apps of Nonghyup and Shinhan Bank, which are safe banks. For other regions, you can find the “Bonds” and “Public Bonds” menu at the relevant bank.
Shinhan Bank can be checked on the mobile app.
If you live in another region, you can apply in the same way by looking for the “Bonds” and “Public Bonds” menu on the local safe bank website.
