소상공인 대환대출 신청방법2022. 8. 4. 7:30
Hello, this is Ernie Stone. We protect our business with an honest heart.
We would like to inform you that we will begin accepting refinancing loans for small business owners in 2022.
This is a refinance loan support project to alleviate the burden of high-interest loan repayment on small business owners, restore normal business, and improve competitiveness.
We support high-interest loans from non-banks that low-credit small business owners are faithfully repaying, up to a limit of 30 million won per individual or corporation.
* Corporate businesses require more documents than individual businesses, so they are scheduled to be accepted after September after the system is developed.
Start accepting refinancing loans for small business owners in 2022
Relieving the burden of high-interest loan repayment on small business owners, restoring normal business and improving competitiveness
■ Support target
Non-bank high-interest loans that low-credit small business owners are faithfully repaying
① Low credit: As of the application date, the NCB personal credit score of the CEO (director) is 744 points or less.
② Small business: An individual or corporate business that satisfies the requirements for small business under Article 2 of the Framework Act on Small Business and Article 3 of the Enforcement Decree of the same Act.
– If a company operates multiple sole proprietorships, select one representative sole proprietorship and apply.
– If the representative of an individual business is two or more joint representatives, appoint one representative to apply.
③ Faithful repayment: Status of normal repayment of target debt without overdue payments as of the date of application
④ Non-banks: mutual savings banks, credit cooperative organizations (nonghyup, livestock cooperatives, fisheries cooperatives, credit cooperatives, forest cooperatives, Saemaeul Geumgo)
⑤ High interest rate: Applicable interest rate of 7.0% or more as of application date
⑥ Loan: Corporate working capital loan (credit/mortgage loan) handled before May 31, 2022
■ Loan limit
30 million won per individual or corporation
– You can apply once within the loan limit without limiting the number of loans eligible for refinancing, and based on the loan balance (principal) eligible for refinancing, the minimum amount is KRW 1 million or more, executed in increments of KRW 100,000.
* Interest and early repayment fees incurred when repaying a loan subject to refinancing are borne by small business owners.
■ Loan interest rate
Fixed interest rate of 5.5~7.0% per year
– Differential loan interest rates are applied according to the NCB personal credit rating of the representative (director) (different depending on the bank handling the refinance loan)
■ Loan period
5 years (2-year grace period, 3-year equal principal repayment)
■ Purpose of funds
Replacing existing non-bank high-interest loans with bank low-interest loans
■ Support method
After applying for, receiving and screening a loan at a bank that handles refinancing loans and determining the loan target and limit, the loan is executed using the deposit provided by the corporation as collateral.
Loan review: Applying more relaxed review standards than the existing review standards in consideration of the COVID-19 situation (on-site inspection omitted)
Collateral provision: Considering the characteristics of low-credit small business owners who use non-bank high-interest loans, the Corporation provides 100% deposit collateral (no need for guarantees, real estate collateral, etc.)
■ Application documents
division
Application documents
Issuer
One
Confirmation of eligibility for refinance loan support for small business owners (within validity period)
Small Business Policy Fund Website
(http://ols.sbiz.or.kr)
2
Small business refinancing loan support target and refinancing debt checklist
[Form 1] Utilization
3
High-interest debt details and remittance request form
[Form 2] Utilization
4
Collateral provision application
[Form 3] Utilization
5
Representative (Director) Real Name Verification Certificate
– Choose one from resident registration card, driver’s license, alien registration card, domestic residence report, permanent resident card, or passport.
–
6
Business registration certificate (within 1 month from the date of issuance)
National Tax Service Hometax
7
Proof of value-added tax base or tax-exempt business income amount
8
(National tax) certificate of full payment and certificate of local tax payment (within the validity period)
government 24
9
Supporting documents to confirm debt subject to refinancing
– Financial transaction confirmation, loan account inquiry form, etc. (name varies by financial institution)
* Purpose, interest rate (interest rate), loan execution date, loan balance, loan maturity, and delinquency must be included.
financial institution
10
Application documents for additional corporation
– Articles of incorporation, copy of board of directors meeting minutes, shareholder list
– Withholding tax performance status report
– Standard Financial Statement Certification Board (last 3 years)
– Corporate seal certificate (within 3 months from the date of issuance)
– Certificate of all corporate registration details (within 3 months from the date of issuance)
National Tax Service Hometax
internet registry office
■ Application period
Friday, July 29, 2022 – Friday, December 16, 2022 18:00
– Early closing when funds are exhausted
■ How to apply
Reception location (handling bank): Shinhan Bank, Hana Bank
– Shinhan Bank: Apply/receive online by scanning QR code or visit 740 branches nationwide.
– Hana Bank: Application and application by visiting 534 branches nationwide
■ Contact information
Contact information category
phone number
note
Shinhan Bank
1577-8000
How to apply for a refinance loan and
Inquire about details such as screening criteria
Hana Bank
1588-1111
Small and medium-sized business integrated call center
1357 without area code
Eligibility for refinance loan support and
General inquiries such as loan terms and conditions
Small Business Market Promotion Corporation regional centers (77 locations)
Please refer to the notice (Attachment 5)
Notice and application form
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We strengthen companies and communities through coaching and consulting with an honest heart.
We help companies achieve the ‘Three Golds’.
1. Funds [Policy Fund Utilization Act] 2. Taxes [Venture Certification/Research Institute Establishment] 3. Subsidy [Employment Subsidy/R&D Subsidy] Management Consulting VC Investment M&A
