소상공인 대환대출 신청방법In 2024, the Ministry of SMEs and Startups will begin accepting applications for small business refinancing loans for small business owners (self-employed people) who are experiencing difficulties due to high-interest loans. Accordingly, high-interest loans and small business loans that have difficulty extending maturity can be converted to low-interest, long-term installment loans. So, let’s find out what qualifications apply to use the refinance loan service.
① In the case of a small business with medium or low credit, the NCB personal credit score of the representative (director) is 839 points or less – In the case of a joint business with two or more people (in the case of a sole proprietor or jointly representative corporation), it is judged based on the applicant’s NCB personal credit score ② Article 2 of the Framework Act on Small Businesses A sole proprietor or corporate enterprise that meets the requirements for small business under Article 3 of the Enforcement Decree of the same Act.
① New loans before 23.8.31 or renewal loans after 23.9. ② Credit. A business loan that is a working capital loan among business loans regardless of collateral ③ If there has been no more than one delinquency for more than 30 days or four or more delinquencies of 10 days or more within the past three months ④ 7 from banks and non-banks as of the date of application High interest rate loan of more than %
⑤ Among bank loans as of the date of application, loans that are scheduled to mature within 3 months but are difficult to extend
In 2024, small business refinancing loans will support 50 million won per business regardless of whether they are an individual or a corporate business. However, if you received support from the 22-year Small Business Promotion Agency refinancing loan and the 22-24 low-interest refinancing program (Finance Commission, Shinbo), the amount of the existing refinancing loan (only the principal balance is refinanced, the interest and early repayment fee of the existing loan are limited to the loan limit) (must be borne by the business operator) will be deducted and supported. Additionally, if there are two or more co-representatives, one person will be designated as the main representative and support will be provided within the loan limit.
Loan limit: 50 million won Loan interest rate: 4.5% Fixed interest rate loan period: 10 years (no grace period) Repayment method: Repayment of principal in equal monthly installments Purpose of funds: Existing high-interest loans and maturity extensions, low-interest, long-term installments of loans not subject to deferral of repayment How to apply for refinancing with a repayment loan: After confirming the eligibility for support from the Corporation, apply for a loan at a bank handling refinancing loans, go through the application and screening process, determine the limit and execute the loan.
The application period for refinancing loan services for small business owners with high interest rates (loans whose maturity is difficult to extend) is from Monday, February 26, 2024 to Friday, December 20, 2024. There is plenty of time, but please note that it may end early if the budget is exhausted on a first-come, first-served basis.
●4:00 PM, Monday, February 26, 2024 – Friday, December 20, 2024 (ends when budget runs out)
Let’s learn about the process of refinancing loan service for small business owners with high interest rates (difficulty extending maturity). The refinancing loan service process for high-interest loans and extension-maturity loans first involves the Small Business Promotion Agency confirming the support target and issuing a refinancing loan confirmation, and then proceeding in the following steps: application reception, screening, and execution to the bank that handles the refinancing loan. However, it is difficult to extend the maturity. For loans, the existing lending bank must issue a certificate of maturity extension difficulty, submit it to the bank handling the refinancing loan, and proceed with the review.
The Small Business Promotion Agency issues a confirmation after reviewing whether the conditions for small business are met, whether the business is excluded from policy funding for small business, and credit score of 839 in the NCB personal credit evaluation.
After accepting refinancing loan services from a total of 12 banks, we will decide and execute the loan after screening. In this case, since it is treated as a 100% credit loan, no guarantee or real estate collateral is required. If the loan is non-performing due to long-term delinquency, etc., the loan will be transferred and managed by the handling bank as a small void. As a preferential treatment, early repayment fees and delay compensation for refinancing loans are exempted.
You must prepare the following application documents and submit them to the bank handling the refinance loan.
● Refinance loan documents may differ depending on the handling bank, and additional documents may be requested. ● Documents can be submitted electronically or by fax using a public certificate. (This may differ depending on the bank)
The industries excluded from loans in the 2024 small business policy funds are as follows. Please take note.
Applications for the refinancing loan service, which is being processed to ease the burden of high interest rates (difficulty extending maturity) on small business owners, will begin today. Please check the application qualifications, application period, and application process before applying.
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