햇살론 소액대출 신용대출 사잇돌 우리금융저축은행햇살론

Government-supported loan Sunshine Loan!

What is a Sunshine Loan?

In the case of Sunshine Loan, it is a government guarantee system loan to reduce the loan burden of ordinary people.

Sunshine Loan Application Qualifications
- Self-employed, agricultural, forestry and fishermen and workers with credit ratings of 6-10 or less than 30 million annual income
- If your annual income is 30 million won or more, your credit rating is below grade 6
- If the annual income is less than 30 million won, regardless of the credit rating
- It may not be possible if there is a problem with credit (delinquency), bankruptcy immunity, or credit recovery.
- Sunshine Loan replacement loan can be applied for at least 3 times with a high interest rate of 20% or more
- In case of basic livelihood recipients, the second-lowest class, and annual income of 30 million or less
- Unregistered, no-store self-employed and daily and temporary workers
- You must have no overdue history for more than 10 days within the last 3 months.
- Depending on the bank, there are places where the 4 major insurance policies are not available and where only 4 major insurance members are available (consultation required)
- In Nonghyup, credit union, and Saemaul Geumgo, the interest rate on Sunshine Loan is 1~2% lower, but savings banks have higher limit and approval rate.
- Some banks are only available to office workers, while others are available to business owners and freelancers (necessary consultation)

(Self-employed) peddler, street vendor, door-to-door salesperson paying business income tax, milk delivery, school instructor, surrogate driver, etc.
(Agricultural and forestry fishermen) Agriculture, fisheries cooperatives, forestry association members, successors of agricultural, forestry and fishermen, etc.
(Workers) Daily, temporary, and part-time workers who have been working for more than 3 months (even those who have not reported earned income)
Things to check when applying for a Sunshine Loan
- Where approval is most likely to come from the current situation
- In case of remote location, temporary inquiry of visitor documents and non-documented documents is possible
- A place where you can get the limits you need