개인회생자 대출자격easy table of contents
In the case of faithful patients, they can receive policy funds or second-tier loans.
As a ‘nationally certified credit counselor’ of the Credit Recovery Committee, I am confident that I know more about loans for personal rehabilitation than anyone else.
Please take just one minute to learn about personal rehabilitation loans.
Unlike general loans, personal rehabilitation loans are aimed at the debtor’s financial recovery. General loans only consider credit evaluation results and income level, but personal rehabilitation loans also consider the borrower’s current financial status and future financial prospects.
Simply put, for personal rehabilitation loans, the most important thing to evaluate is whether you can repay the principal and interest using the amount minus the repayment amount from your income.
In order to apply for a personal rehabilitation loan, you must generally go through a process to evaluate the debtor’s financial status and ability to repay debt.
This may require you to submit information such as a credit evaluation, verification of income and assets, and a debt repayment plan.
The government-supported loan for personal rehabilitation is a loan provided to those who have received debt adjustment from the Credit Recovery Committee and have been repaying faithfully for more than 6 months or have completed repayment within the past 3 years.
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Sunshine Loan 15 is a government-supported loan available to people with low credit and low income. The loan limit is 7 to 14 million won, the interest rate is 15.9% per annum, and the loan period is 3 to 5 years.
To be eligible to apply, you must have worked for more than 3 months as of the date of application, have an annual income of 35 million won or less or an annual income of 45 million won or less, and have a credit rating of 6 to 10.
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The Credit Recovery Committee Loan for Faithful Repayers is a low-interest loan product supported by the government. It is a system that provides living funds to those who have faithfully repaid their loans through the Credit Recovery Committee’s debt adjustment or personal rehabilitation system.
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Camco Personal Rehabilitation Loan is a product that provides a loan of up to 15 million won to those who have received credit recovery support from the Credit Recovery Committee, etc., and have faithfully repaid the loan over 6 months or completed the loan within 3 years.
Kiwoom Savings Bank Personal Rehabilitation Loan is a loan product targeting those who have faithfully repaid personal rehabilitation or have decided on exemption.
The loan limit is up to 50 million won, the loan interest rate is as low as 14.9% per annum, and the loan period is up to 48 months. Those eligible for the loan are those who have faithfully repaid personal rehabilitation or have decided on exemption.
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Welcome Savings Bank’s Welcome Hope Loan is a personal rehabilitation loan available to those who have filed for bankruptcy or discharge. The loan limit is up to 70 million won, the loan interest rate is at least 11.9% per annum, and the loan period is up to 5 years.
Those eligible for a loan are those who are 20 years of age or older and can provide proof of income, who are in the process of personal rehabilitation or credit recovery, or whose exemption from bankruptcy proceedings has been confirmed.
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The general fund loan available at Korea Savings Bank is a representative loan product for personal rehabilitation. The loan limit is up to 50 million won, the loan interest rate is at least 11.3% per annum, and the loan period is up to 60 months.
Those eligible for a loan are those who can verify their ability to repay based on their income, such as office workers, public officials, and freelancers.
Mirae Credit Loan’s personal rehabilitation loan is a loan product that new customers can use even during personal rehabilitation. The loan limit is up to 30 million won, and the loan interest rate is within 20% per year. The loan term is up to 5 years.
Eligible for a loan are new customers who are in the process of personal rehabilitation, credit recovery, or have been discharged from bankruptcy.
Star Credit Loan is a loan company that provides personal rehabilitation loans. The loan limit is up to 20 million won, the interest rate is within 20% per year, and the loan period is notified separately.
Because the conditions are not stringent and the limit is high, it can be a good alternative for those who are in the process of personal rehabilitation or those who are working to restore their credit.
Specifically, personal rehabilitation loans help debtors repay their debts without entering bankruptcy proceedings.
In addition, the interest rate and repayment period can be adjusted to suit the debtor’s financial situation, thereby reducing the repayment burden.
Additionally, the government or financial institutions provide special loan products to individual borrowers to support financial recovery.
I am currently handling personal rehabilitation loans at a second-tier savings bank.
Based on my practical experience, I have never seen a case in which a loan for an individual rehabilitated was approved in the following cases.
Reference site: Credit Recovery Committee
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