최저신용자 특례보증 신청방법If you are unable to use government loans for reasons such as delinquent payments on existing loans, try applying for a “special guarantee for people with the lowest credit” loan from the Korea Inclusive Finance Agency.
Workers, self-employed people, freelancers, as well as the unemployed can apply if they meet certain conditions.
Let’s find out who can apply, loan qualifications, documents to submit, and how to apply.
.
Please carefully check whether you are eligible and what documents you need to prepare to apply.
The “Special Guarantee for People with the Lowest Credit” loan is a product that lends money to people who cannot borrow money anywhere.
You can apply for a loan if you meet a few conditions. Please check the detailed loan application eligibility below.
Special guaranteed loans are loan products for people with very poor credit. Those in the bottom 10% of credit scores, with a KCB score of 670 or lower and a NICE score of 724 or lower, are eligible.
Additionally, you can apply for a special guaranteed loan if you have failed the Sunshine Loan 15 guarantee review within the past 3 months due to delinquency or other reasons for rejection determined by the Korea Inclusive Finance Agency.
Additionally, you must complete required financial education. All you have to do is watch the approximately 14-minute video, so feel free to watch it.
Watch special warranty essential training
※ However, if you do not meet the credit score and income standards, are currently in arrears, or are subject to guarantee restrictions for reasons such as possession of public information, you cannot apply for a special guarantee loan.
This is product details for “Special Guaranteed Loan for People with Lowest Credit.”
Check the details of special guaranteed loans, including loan interest rates and limits.
Special guaranteed loan interest rate and limit inquiry
The loan interest rate is 15.9% including the guarantee fee, and it is the same for all financial institutions that handle special guarantees.
The loan limit is determined during the guarantee review and cannot exceed 10 million won. When applying for a loan for the first time, you can borrow up to 5 million won, and if you use the loan without delinquent payments for 6 months, you can get another loan.
If you repay your loan faithfully without delinquency, you can receive preferential interest rates. The preferential treatment includes interest rates lowered by 3.0% p per year for 3-year loans and 1.5% p per year for 5-year loans.
Documents to be submitted vary depending on the loan applicant’s situation. Please select the ones that apply below.
There are two ways to apply: through mobile application or by visiting the Microfinance Center.
◇Mobile application method
When applying for a special guarantee for those with the lowest credit through mobile, there is no need to prepare or submit separate documents when providing screening data and agreeing to the inquiry.
(1) Click the “Special Guarantee for Lowest Credit Creditors” menu in the Korea Inclusive Finance Agency app.
(2) Click the “Apply” button.
(3) Proceed with the warranty application process.
(4) After completing the guarantee application, you can apply for a loan from a bank that handles special guarantees.
◇How to apply by visiting the Microfinance Center
If you are unable to use the mobile app, you must visit the Microfinance Support Center with the documents listed above.
The Microfinance Support Center operates on a reservation system, so please call the Microfinance Call Center and reserve a consultation time before visiting. (Call Center: ☎ 1397)
Please check the location of the nearest financial support center below.
Find a financial support center for low-income people in your neighborhood
As of October 23, the banks that handle special guarantee loans for people with the lowest credit are as follows.
Above, we learned about the qualifications, documents to be submitted, and how to apply for the Korea Inclusive Finance Agency’s “Special Guaranteed Loan for People with Lowest Credit.”
