Today, we will learn about jeonse loans for young people working in small and medium-sized companies.
[Small and Medium Business Youth Loan]
It is a national policy that provides monthly rent deposits at low-interest rates to young people who are employed in small and medium-sized companies or are starting youth businesses
[Applicable to the agency]
1. Non-residential homeowners (including prospective homeowners)
2. Annual income of 35 million won or less (total annual income of 50 million won or less for couples)
3. Net worth less than 325 million won
4. Employees of small and medium-sized enterprises and those who receive support for youth start-ups
5. Young people aged 19 to 34 (military personnel aged 39 or younger)
Little Jam – Small and cute succulents like its name
[Contents of the Korea Heavy Industrial Complex]
1. Only once in a lifetime.
2. It was scheduled to end in 2021, but the period was extended to the end of 2023.
3. The period can be extended four times for two years and can live for up to 10 years.
If there are underage children after 10 years, an additional extension of 2 years per child will be possible.
4. Interest rates are low at 1.2%, and you can get a lease loan.
Even if you take out a loan of 100 million won, the monthly interest is 100,000 won per month.
5. Involuntary retirement due to the company may maintain the existing 1.2% interest rate.
6. There are two types of loans: 80% and 100%.
– 80% is guaranteed by HF Korea Housing Finance Corporation.
-100% is guaranteed by HUG Housing & Urban Guarantee Corporation.(Tax Guarantee Insurance and Bundled Products)
7. Loan limits vary depending on personal creditworthiness.
8. The consent of the lessor must be obtained.
* The maximum loan limit is 100 million won.Young people are responsible for the excess.
If you don’t have enough money, check out credit loans.
[Applicable housing]
– Dedicated area less than 85m2
– less than 200 million won in lease deposits
-Including residential officetel
[Joong Ki Agency’s procedure]
1. Make sure that the company I work for is a small and medium-sized enterprise.
* Integrated Small and Medium Business Call Center -1357 without a country code
2. Real estate is available for lease loans from the Small and Medium Business Administration.
3. Find out if a house can be rented by registration of a chartered house to a bank, and what is the loan limit.
4. If there is no problem, you can submit, fill out, and apply at the bank after completing the contract.
* Download the fund’s EDEN application and check the progress of my review.
If there is no other contact from the bank, it is going well, so don’t worry and wait.
5. If the review is approved, the bank will execute the loan to the landlord on the date of occupancy, and young people will be allowed to move in.
6. Report the transfer to the community service center.fixed dateYou have to receive it and submit it to the bank, but all the procedures are completed.
Apple Flower-Fresh Succulents Like green apples.
[Necessary documents from the Korea SMEs and Startups Agency necessary documents]
papers to be prepared by young people
1. ID card, copy of resident registration, abstract of resident registration
2. Confirmation of health insurance eligibility
3. A Guide to the Eligibility of Employment Insurance Insured
4. Certificate of Family Relationship
paperwork that the company has to prepare
1. Certificate of employment
2. Monthly wage statement
3. Withholding Receipt of earned income
4. Confirmation of Main Industry Code
5. Copy of Business Registration Certificate
*Company’s seal must be stamped.
papers to be prepared through real estate
1. A real estate lease agreement
2. Receipt of down payment
*Handling Bank – Kookmin, Shinhan, Woori, Nonghyup, Industrial Bank of Korea, etc.
Letizia-Utizaram King Succulents
My daughter works for a small business in Busan.
In 2020, he took out a loan from the Small and Medium Business Administration and is living in a 24-pyeong apartment.
I thought it would be hard to do it alone, so I, as a mother, ran away.LOL
“There’s a mother behind you,”Ah! “Peekaboo!” (Childish)
My daughter is independent, but she resembles me and is rather timid…
The order in which my daughter found a house in the Small and Medium Business Administration.I’m going to write down what I remember.
1. Go after the real estate and tell the Small and Medium Business Administration to find a house, and go around the house.
2. You have to sell your products to several real estate properties to sign a house that you like.(There were so many messy houses)
3. He has made a temporary deposit of 300,000 won on a decent house and received a registration.
4. My daughter prepared the papers and visited Kookmin Bank together, and met a good person in charge for consultation.
5. The house I made a provisional contract with was able to borrow up to 8.4 million won.
6. The lease price of the house was 105 million won, and 21 million won was decided to be settled with a deposit for the studio apartment where he lived.
7.100% said it was tricky, so I checked 80% from the beginning.
* If it is 100%, the landlord will have to prepare a lot of documents.
8. With a 5% deposit, I visited the bank with the contract and reviewed it.(I was afraid of losing my deposit.)
9. The bank suddenly contacted me and told me that I had to meet the landlord and get his consent sign. (This was not planned.)
10. I asked the landlord to take good care of me and easily agreed to everything.
11. The landlord who lived in the studio before the day of moving didn’t deposit the deposit because he didn’t have any money. (What a surprise…WHY…)
12. I hurriedly raised money, moved, filed a transfer report, received a fixed date, submitted it to the bank, and all the procedures were completed.
13. The deposit for the studio apartment was returned after three days…Whew~^^
The succulent plants of the nation’s beautiful people that I like.
There are many benefits from the government, but it doesn’t seem easy to get them.
I think it’s a bundle of honey that only those who worked hard can get…
Still, I think it’s a good thing that my daughter can live in a 24-pyeong apartment with a monthly rent of 100,000 won.
If you’re young people from small and medium-sized companies, don’t hesitate and even if it'[Small and medium-sized enterprises]one’s.I hope you can apply and enjoy the benefits.