On February 27, the Ministry of Public Administration and Security announced the details of unreimbursed automobile bonds. From March 2, together with local governments and banks across the country, it was announced that unrefunded regional development bonds would be repaid at once. It is worth 239.1 billion won. Today, we are going to look at how you can get the unpaid money back into your account without going to the bank. With today’s content, it is recommended that owners who have been registered for more than 5 years get reimbursed by inquiring about the refund.
What is a Regional Development Bond?
Local development bonds refer to bonds that must be purchased when residents register their vehicles with local governments, obtain various licenses and permits, and enter into construction, service, and commodity contracts with local governments. 자동차 환급금
When a car is purchased and registered in a region, it is compulsory to purchase regional development bonds or urban railway bonds, which can be sold immediately or repaid at maturity. If the purchase date is too long, you may not be able to get a refund. 좋은뉴스
Types and purpose of issuance of compulsory trade receivables
Issued: 17 metropolitan governments and over 1 million large cities
Type: 2 types (regional development bonds, urban railway bonds)
Regional Development Bonds: Issued by 16 cities and provinces (excluding Seoul) Lump-sum redemption with a maturity of 5 years (status statute of limitations of 10 years)
Urban Railway Bonds: Issued in Seoul, Busan, and Daegu, maturity of 7 years, lump sum redemption period of 5 years
Target: When concluding a contract for vehicle registration, permitting, permitting, and construction service with a local government – When purchasing a passenger car of less than 2000cc, 4 to 12% of the vehicle value (4% in Daejeon, 8% in Gangwon, 12% in Seoul) is compulsory purchase of bonds with the maturity year or year after principal and interest refund)
Use: Used as financial resources for road construction, housing land development projects, and sewerage projects
Previously, it was impossible to get a refund without requesting a refund because it was possible to visit a bank and get a refund for bonds with maturity. However, starting in March, you can inquire/apply for a refund in person or online. In addition, from March 2022, when purchasing new bonds, even if you forget to hold the bonds, they will be automatically deposited into your refund application account when they expire.
Reimbursable Regional Vault Bank
Regional development bonds can be refunded at each regional safe bank.
Shinhan Bank in Seoul and Incheon
Busan is Busan Bank
Daegu is Daegu Bank.
Gwangju is Gwangju Bank
Sejong Hana Bank
Jeonbuk Jeonbuk Bank
The rest is Nonghyup Bank.
Representatively, we will take a look at Nonghyup and Shinhan Bank.
How to apply for car refund
Log in to your local vault institution
Unpaid debt inquiry
Choice of refund – KRW 500,000 for regional development bonds purchased in 2010, KRW 200,000 for regional development bonds purchased in 2014
Apply after checking refund information
Nonghyup Bank refund method
Let’s take a look at the vehicle information of the Avante AD purchased in December 2015. Six years have passed, registration is in Seoul, and residence is in Gyeongbuk.
First, install the NH Smart Banking app.
Existing users log in naturally.
Those who do not have an account sign up for smart banking.
At this time, it is possible to inquire unrefunded money without creating an account.
Click Account Management in the menu.
Click on Regional Development Bonds.
Click Unpaid Debt Inquiry/Repayment.
Holidays cannot be viewed. Business days are viewed from 0:10 on the app. Midnight is computer check-up time.
If you live in Gyeongsangbuk-do, you can find out that there is no Nonghyup. Just in case, I registered my car in Seoul, so I checked again with Shinhan Bank.
Shinhan Bank refund method
Access the Shinhan Bank Shinhan Sol app.
Click on the full menu.
Press utility bills.
go into recruitment
It says that there are no bonds held. In this case, check the vehicle registration documents that are in or owned by the vehicle.
The text doesn’t look good.
It is bought and sold immediately. I also checked my acquaintances, but there is no search history. It is confirmed that each individual has a low probability of holding a bond.
If you register your vehicle as an agent, you may not know about your receivables. Please repay the unrefunded amount through the refund inquiry after confirmation.