무직자 청년대출Sunshine Loan Youth, handled by Industrial Bank of Korea, Shinhan Bank, and Jeonbuk Bank, is that loan product. First, let me explain the detailed terms and conditions: college students, graduate students, learners of the Credit Bank System, unemployed, or those working at a small or medium-sized business for less than one year. Newcomers can apply, and they must be under 34 years old and have an annual income of 35 million won or less. However, please note that those who are registered as a business are excluded. The loan limit is 6 million won per year, with a maximum of 12 million won per person. The interest rate is a fixed interest rate of 3.6 to 4.5% per year. Please note that it can only be used for living expenses, education/training expenses, medical expenses, and housing expenses, and loans cannot be made for other purposes. Small loan products are also available. Small loan products handled by first-tier financial institutions have the feature that they can be used even if you do not have a job or income. Unless you have a major credit problem, such as a person with bad credit, you can use them even if your credit score is low, and there are also products that can be applied for through mobile devices. It is also a loan that is selected as a special advantage in that it is easy and convenient to apply for and execute the loan as there is also a mobile-only product.
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