I think it is also important to carefully weigh the appropriate loan order.

There are a lot of government-supported loans for the working class these days. Among them, I would like to tell you about loans to the working class for office workers and workers. Recently, the insolvency rate has been increasing, making it difficult to review loans to the working class. So today, I organized it so that I can learn about the types of government-sponsored loans and qualifications for the working class.

First of all, let’s find out about the types of loans to the working class and employees. Examples of common people’s loan products are sunshine loan, Saitdol loan, new hope hole seed, and change dream loan. 1In the financial sector, there is a new hope hole, a swap theory, and in the second financial sector (mutual finance & savings bank), there is a sunshine loan and a Saitdol loan.



First of all, in order to apply for loans to the working class of workers, the conditions that require workers to go to work must be met, and the most important condition is the period of employment. Must be at least three to six months in office and may require four major insurances if necessary. In the case of day laborers, both conditions are the most important factors.

1 Types of loans to the working class in the financial sector


Mr. New Hope Hall

First of all, let’s find out about loans to the working class that can be applied in the first financial sector. First, the New Hope Hall loan is a loan product made by a bank in the first financial sector on the government’s recommendation. Externally, even without a government agency guarantee, the bank itself conducts a review, and if approved, it can get a loan.





Change Dream Theory

The exchange dream loan product is a product that can convert loans of people who are taking out high-interest loans to low-interest rates, and the National Happiness Fund, which is funded by the Korea Asset Management Corporation, will conduct a guarantee review. If the warranty review is approved, you can apply for a loan at a bank in the 1st financial sector based on the guarantee.

Types of loans to the working class in the financial sector


Sunlight theory

Sunshine Loan is a low-income loan for 폰테크 low-credit, low-income workers, and workers. I’m sure many of you have heard of it as a famous loan product. Those who earn less than 35 million won a year while working or working, and those who earn less than 45 million won a year are eligible for loan applications.


If you pass the examination by the Korea Institute for the Promotion of the People’s Republic of Korea, you can get a loan from the 2nd financial sector, namely savings banks, mutual financing (Saemaul Bank, unit agricultural cooperative, credit cooperative, etc.) as a guarantee. Also, if you are using Sunshine Loan, if you are paying your debt faithfully without overdue payments, you can borrow it again or additional loans, and interest rate incentives can be applied, so many people who have used Sunshine Loan continue to take out loans.





Saitdol Loan

Saitdol Loan, one of the types of government-backed loans to the working class, is a medium-rate loans to the working class based on the guarantee of SGI Seoul Guarantee. It’s divided into two groups. 1Since it is not handled well in the financial sector, you are applying for Saitdol 2 loan products that are handled in the secondary financial sector. Saitdol 2 is a mid-interest loan of 15-17%, so I recommend you to first receive loans and sunshine loans from the first financial sector and apply when the loan is not enough or the loan is rejected.


Alternatives and tips for rejecting loans to the working class






There are many reasons why loans to the working class are rejected. The most basic reason can be rejected when there is a problem with the four major insurance policies and their tenure. If you do not have four major insurances, you will be required to submit your payroll account and other documentation, and you will be making a confirmation call asking the company to work separately.




Another reason for rejection is the DTI condition of debt-to-income ratio. In the past, it was regulated within 60%, but nowadays household debt is getting serious, so if the DTI exceeds 40%, the loan is likely to be rejected. You’ll also use LTV, which is a loanable amount of collateral, often. This trend has also fallen below 40% due to stricter real estate regulations.





If you give tips on government-funded loans to the working class, it is also a good idea to use customized loans provided by the Korea Institute for the Promotion of Public Finance. If you use customized loans, you can easily and easily compare and analyze the conditions of loans to the working class without having to go around and sell goods.

Also, you should be careful about loan fraud when you look at the types of government-sponsored loans for the working class. Recently, the number of loan scams has been increasing rapidly for office workers and workers. You have to be careful of voice phishing, loan calls, and text messages that you can lend to the working class. This is because people never call or text people first.




If you have been swindled out of loans to the working class or have been damaged by something similar, you should report it through the illegal private financial damage reporting center of the working class financial interchange.

It is better to refrain from looking for high-interest private loans or lenders just because they have been rejected by the screening of loans to the working class. If you’re in a hurry, I think you’d better get a 17 for sunshine. It is a loan to the working class that can be loaned at 17% interest rate, which is lower than the loan rate.


Today, we had a time to learn about the types and qualifications of government-funded common people’s loans. It’s better to know about loans to the working class with good conditions first. I think it is also important to carefully weigh the appropriate loan order.

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