햇살론카드 신청방법■ New guaranteed policy microfinance product “Haetsal Loan Card” launched on October 27
ㅇ Even those with the lowest credit ratings who had difficulty getting a credit card can conveniently make payments and use funds by receiving support for credit card issuance through the guarantee of the Microfinance Promotion Agency
ㅇ The Haetsal Loan Card is available to those with ① annual disposable income of 6 million won or more, ② personal credit rating in the bottom 10% or lower, and ③ who have completed credit education
■ The Haetsal Loan Card is handled by Lotte, Woori, Hyundai, Kookmin, Samsung, Shinhan, and Hana Card, and card issuance is possible after applying for a guarantee through the Microfinance Promotion Agency app from October 27 (Wed)
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Overview
□ In accordance with the “Policy Microfinance Supply System Reorganization Plan” announced on March 31 and the “Haetsal Loan Card Business Agreement” involving 7 professional card companies*,
* (Professional card companies participating in the Haetsal Loan Card) Lotte Card, Woori Card, Hyundai Card, KB Kookmin Card, Samsung Card, Shinhan Card, Hana Card
ㅇ The “Haetsal Loan Card” will be launched on October 27 to improve payment convenience for the underprivileged class and enjoy credit card usage benefits (points, etc.).
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Haetsal Loan Card Main Contents
□ (Support Target) ①Completed credit management education, ②Annual disposable income of 6 million won or more, ③Support for the underprivileged class who have a personal credit score in the bottom 10% or lower and do not have a personal credit card as of the date of application for guarantee.
① (Credit management education) All three mandatory courses for the Sunshine Loan Card must be completed on the Financial Education Portal of the Korea Small Business Finance Promotion Agency (https://edu.kinfa.or.kr)
※ When applying for a guarantee, the completion of the education will be automatically reflected by the Korea Financial Investment Association through a computerized search.
② (Disposable income) Annual disposable income after deducting the annual principal and interest repayment from the annual income must be 6 million won or more*
* If the user agrees to the collection/search of personal (credit) information and the search of public institution data (electronic signature), the Korea Financial Investment Association will directly search and reflect the information from the National Tax Service, National Health Insurance Corporation, or other public institutions or CB companies, so the user must submit no income verification documents
③ (Personal credit score) Personal credit score must be in the bottom 10%*
* If the personal credit score of either NICE or KCB is 10% or lower as of the date of application for the guarantee, it is satisfied
□ (Guarantee amount) Borrower Depending on the guarantee review considering the willingness to repay index* and credit rating, the guarantee amount will be differentially granted within a maximum of 2 million won.
* Evaluation based on the degree of credit and debt improvement and efforts to increase credit rating, etc.
※ The card usage limit will be operated lower than the guarantee limit considering unauthorized payments (transportation, communication fees, etc.)
□ (Restrictions on use) Some items such as short-term and long-term card loans (card loan, cash service), installment period restrictions (up to 6 months), and entertainment and gambling businesses will be restricted.
□ (Supply plan) It will be launched on October 27 by 6 card companies: Lotte, Woori, Hyundai, KB Kookmin, Samsung, and Shinhan Card, and will be launched by Hana Card in mid-November.
* Only one Sunshine Loan Card can be issued
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How to apply for a Sunshine Loan Card
□ If you apply for ① a guarantee at the Korea Small Business Finance Promotion Agency and have concluded a guarantee agreement after review, you can apply for ② card issuance by selecting one of the seven affiliated card companies.
① (Guarantee Application) Apply for a guarantee through the Small Business Finance Promotion Agency app or visit the Small Business Finance Integrated Support Center*, and a guarantee agreement will be concluded after review
* Since a visit to the center requires a reservation in advance, if you wish to apply quickly, you must apply through the app
② (Card Issuance) Apply for card issuance online (PC, mobile), by phone, or in person to 7 affiliated card companies (※ Application methods vary by card company)
< How to apply for the Sunshine Loan Card >
(Small Business Finance Promotion Agency) ① Apply for guarantee
(Card company) ② Issuance of card
Online
(App)
Application through the Small Business Finance Promotion Agency app
=>
Online
(PC, mobile)
Lotte, Woori, Hyundai, KB Kookmin, Samsung, Shinhan, Hana
Landline
Lotte, Hyundai
In person
After making a reservation at the 1397 call center
Small Business Finance Integrated Support Center Visit
Face-to-face
Lotte
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How to use the Haetsal Loan Card
□ Except for restrictions in accordance with the purpose of the policy for small business finance products (limitations on short-term and long-term card loans, etc.), the usage method is the same as that of a general credit card.
ㅇ As a guarantor card issuer, the usage limit increase* is not operated.
* In the case where it is deemed necessary, such as delinquency occurrence, for the purpose of managing the risk of the depositor and the card company, the Haetsal Loan Card usage limit may be reduced or card use may be suspended.
※ For more detailed information on annual fees, preferential benefits, etc. by card company, please refer to
