최저신용자 특례보증 신청방법People with low credit have difficulty obtaining institutional loans and are more likely to fall victim to illegal private financing. To prevent this, we are operating a ‘Special Guarantee for Lowest Credit Creditors’ that supports those with the lowest credit who have difficulty using policy microfinance products (Sunshine Loan 15). Let’s take a look at how to apply for support, the details of support, and the documents to be submitted.
Go to the Korea Inclusive Finance Agency
Special guarantee for those with the lowest credit (KRW 10 million) Support eligibility How to apply Support details Documents to be submitted
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In order to prevent damage from illegal private finance, this is a policy microfinance product with a guarantee that provides intensive support to those with the lowest credit who currently have difficulty using the policy microfinance product (Sunshine Loan 15) due to past delinquency or other reasons.
Sunshine Loan 15 rejection: Those whose Sunshine Loan 15 guarantee has been rejected due to past delinquent payments, etc. Personal credit score: Bottom 10% of personal credit score* *As of April 2023, KCB 670 points or NICE 724 points or less Annual income: KRW 45 million Won or less
Go to the Korea Inclusive Finance Agency
After applying for a guarantee through the Korea Inclusive Finance Agency app (if the app is not available, visit the Microfinance Integration Support Center*), you can apply for a loan through the app (or window) of an affiliated financial company**. ※ Digitally vulnerable groups, such as those who do not own a smartphone or do not have a cell phone in their own name, can apply offline after making an appointment to visit a nearby Microfinance Integration Support Center through the 1397 Microfinance Call Center * 41 Microfinance Integration Support Centers nationwide (see table below) **[ Lenders] As of December 23, Gwangju Bank, Jeonbuk Bank, NH Savings Bank (additional loan), Welcome Savings Bank (additional loan), DB Savings Bank (supply suspended)
Special guarantee for those with the lowest credit (KRW 10 million) Support eligibility How to apply Support details Documents to be submitted
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