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We provide detailed information on each civil affairs administration service.
2023.10.30 (Monday) 10:00 ~ Until further notice (first-come-first-served basis)
ㅇ You can apply if you meet all requirements ① and ② below.
① Young people aged 25 to 34 who have registered as residents in Gyeonggi-do as of the date of application and have lived continuously for more than 3 years or have lived for a total of 10 years or more (excluding overseas Koreans, foreigners, and overseas residents)
② Those who do not have any applicable conditions such as delinquency, bankruptcy, etc. ※ Please refer to the notice attached below for details.
(However, those who have been repaying faithfully for more than 6 months (6 times) after the debt adjustment is confirmed can apply.)
ㅇ Support details: Minus loan (limit transaction) + special deposit for deposit and withdrawal (single account)
∙ Operation method: Minus account (limit transaction loan)
∙ Support limit: Initially KRW 3 million per person → Increased to KRW 5 million when extended (after 1 year)
∙ Applicable interest rate: 4.932% (Cofix 6-month new +0.932%p) ‘23.12.16. standard
∙ Support period: Up to 10 years (extended every year)
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∙ Management method: frequent deposit/withdrawal deposit
∙ Support limit: 5 million won per person (special preferential interest rate application limit)
∙ Applied interest rate: 2.7% (Bank of Korea base interest rate – 0.8%p) ※ However, if the base interest rate is 1% or less, 0.2% is applied.
∙ Support period: Within the loan period
ㅇ Precautions
– When using a loan, 10% of the loan limit is set as the minimum remaining limit (retained amount that cannot be withdrawn)
※ (Example) If the loan limit is 3 million won, up to 2.7 million won can be withdrawn, and 300,000 won is reserved and deducted in case of non-payment of interest to prevent late payment due to carelessness.
– It is extended by a maximum of 10 years in 1-year increments, and extension is not possible if reasons such as delinquency occur or the residence is transferred to another city or province.
ㅇ [Stage 1, first-come, first-served] Apply online at Gyeonggi Civil Service 24
– 2023.10.20 (Fri) ~ 2023.10.29. (Sun) 09:00~20:00 (10 subtitles by birth date)
– 2023.10.30 (Monday) 10:00~ (24-hour reception)
※ The criteria for first-come-first-served basis is not the initial access, but the time of ‘submission’ after all procedures have been completed at Gyeonggi Civil Service 24.
ㅇ [Step 2] Apply online through Hana Bank mobile app/web
– Period: 30 days from the day after the Gyeonggi Civil Service 24 eligibility notification date
– Time: 09:00~22:00
231012 2023 Gyeonggi Youth Opportunity Ladder Finance Supply Plan Notice.pdf
231012 Gyeonggi Youth Opportunity Ladder Finance Product Description.pdf
231012 Youth Opportunity Finance QA.pdf
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Gyeonggi Provincial Office 16508 30 Docheong-ro, Yeongtong-gu, Suwon-si, Gyeonggi-do / Northern Government Building 11780 1 Cheongsa-ro, Uijeongbu-si / Gyeonggi-do Call Center 031-120
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