자영업자 이자환급 Loan interest refund to self-employed people... Also applies to loans from second-tier financial institutions

자영업자 이자환급Banks announced the largest ‘win-win financial plan’ ever.
Self-employed people and small business owners who received loans with interest rates exceeding 4% can now receive a refund of up to 3 million won in interest per person.
Self-employed people and small business owners using secondary financial institutions can now receive a refund of some of their loan interest.
This is reporter Hyeong-min Moon.
[reporter]
The total interest profits earned by domestic banks through the third quarter of this year exceeded 44 trillion won, a record high.
On the other hand, due to the burden of high interest rates, the loan delinquency rate for self-employed people more than doubled in one year to 1.78%.
Accordingly, the financial authorities have criticized the banking sector for ‘selling interest’ and have continued to demand coexistence measures.
The banking sector has raised the white flag due to pressure from financial authorities. A related plan was put forward before the end of this year.
Twenty banks announced the largest win-win financial plan ever worth over 2 trillion won. It is mostly used to support loan interest refunds for self-employed people and small business owners.
“We plan to refund up to 90% of the interest paid in excess of 4% to self-employed people and small business owners who have used bank loans, up to a maximum of 3 million won per person.”
From February next year, it is expected that 1.6 trillion won will be distributed to 1.87 million people, or an average of 850,000 won per person.
In addition, each bank plans to provide support for electricity bills and rent through an autonomous program worth 400 billion won.
“It is very meaningful in that it can increase the actual satisfaction by refunding the interest directly to the borrowers who paid the interest rate….”
On this day, the government also secured a budget for interest refunds for self-employed people and small business owners who received loans at 5-7% interest rates from second-tier financial institutions.
They also announced that if a loan is received at an interest rate of 7% or higher, a refinancing loan will be available at a relatively low interest rate.
“There is a program to change those with high interest rates of 7% or higher to low interest rates, but we need to target them a little more and expand the benefits….”
Attention is focused on whether the high interest rate cold wave that has been causing the self-employed and small business owners to tremble will ease.
This is Hyungmin Moon from Yonhap News TV. (moonbro@yna.co.kr)
#Win-win financial plan #Bank #Loan interest support
Yonhap News TV article inquiries and reports: KakaoTalk/Line jebo23

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2023/12/21 21:26 Sent

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