Maybe if you search Naver for government-funded loans or sunshine loans, you'll see a lot of ads ^^: It says they're all government-funded, and many people are wondering if it's true.
You wonder why there's so much advertising when it's actually government-funded.
To start with the conclusion, government-backed loans are correct.
It's sunshine card news provided by the Financial Services Commission, and as you can see, it's a government-funded program to exchange high interest rates for those with low annual income or credit ratings of 6 to 10.
The reason is, there are a few, and the biggest reason is that sunshine loans are supported by the government, but not directly by the government, but by entrusting them to commercial banks.
The Public Finance Agency and the Financial Services Commission run sunshine loans because they are not directly executed by government agencies, but are entrusted to commercial banks and sold like "products."
In other words, from the perspective of commercial banks, risk is borne by the government, and banks take profits, so of course they're advertising to sell products.
Thank you from the user's perspective. 'Cause usually low-income and low-credit people have interest rates well over 20%.
The Financial Services Commission's plan to strengthen punishment to eradicate illegal private financing, and it says it is an advertisement impersonating government support 비대면폰테크 (such as sunshine).
In fact, there are many illegal private financial companies disguised as sunshine. So you have to be careful.
The government is pouring more than 100 billion won a year into sunshine to support the working class suffering from high interest rates (approximately 38%) and reduce the burden and lower social costs.
That is, the purpose of the transshipment is not to transfer and step into illegal private financing again.
Actually, the above card news is sunshine 17, so it's a slightly different support, but the requirements are the same (so I brought it for your reference).
There must be income first. It is a program to support low-income people, so you can earn less than 35 million won a year! If your credit rating is below grade 6, your annual income standard will be eased to 45 million won.
This is because it's for low-income/low-credit support (but not applicable for credit delinquents & unemployed).
And there are two types of credit ratings, the lower of KCB/NICE, and the income is based on "pre-tax".
For your information, self-employed people can also do it, but in the case of self-employed people, their income is based on sales excluding expenses such as necessary expenses. (Exactly, counseling is required.)
Although it is a government-backed loan for the working class, it is a "product" sold by commercial banks, so loans are calculated based on individual credit, income, and existing financial records, which is up to 15 million won per worker (up to 50 million won for self-employed people).
But if you try it, it's usually approved for between 12 and 10 million won per worker.
And the interest rate is around 7~9% per year, which varies from bank to bank.
IBK has the lowest weighted average interest rate (individual +@) as you can see in the information provided by the Financial Services Agency for the Low-income bracket.
In fact, among the acquaintances who applied for the sunshine loan, IBK was relatively good in both approval and interest rates.
You can apply for sunlight on the top. 1397 Call Center (Financial Services Commission). However, eventually you have to visit a commercial bank or apply through the app of that bank.
The document is really relatively simple.
Since it's a government-funded loan for the working class, I think it's because most of the applications are made through the integrated government financing program.^^;
I always emphasize that the government never takes care of the welfare or support provided by the government.
If you don't apply, we won't give it to you. If you don't apply for the subsidy for Corona self-employed people, you can't get it. It's all like that, actually.
So for those who suffer from high interest rates or who use high interest rates for their livelihood, please make sure to!!! Please refer to the application method and send it to us. I'll cut it down now 😀
Oh! And illegal private financing pretending to be sunshine! Avoid it, as shown in the video below, the Financial Services Commission is strengthening its punishment, but it seems to be still active."