[그래픽=연합뉴스·게티이미지뱅크]The government is planning to support additional loans of up to 10 million won from the 18th for some tenant small business owners, whose economic difficulties are increasing due to the spread of Corona 19. This is the reason why financial difficulties such as a decrease in sales of small business owners continue due to the reinforcement of social distancing measures as the 3rd spread of Corona 19 continues.
According to the Financial Services Commission on the 14th, the target of support for the’Special Support Program for Small Businesses for Leaseholds in Restricted Businesses’, established by the government, are small business owners (individual businesses) who can apply for 2 million won among the support funds that began to be paid on the 11th. If you are a small business owner with a current lease contract, you can use an additional loan program regardless of whether you use the existing small business financial support program. Group restrictions in the second stage of social distancing include restaurants and cafes, indoor sports facilities, singing practice centers, direct sales promotion halls, and standing performance halls.
The maximum support limit is 10 million won (2 years deferred, 3-year amortization). The support interest rate is around 2% for major commercial banks, and 2-3% for others. During the 5-year loan period, the guarantee fee for the first year is deducted in full, and the guarantee fee for the 2-5 years is fixed at 0.6%.
Small business owners who have already used the existing first and second financial support programs can also apply for up to 10 million won regardless of whether they use the existing financial support program. It means that it is possible to apply for the first and second financial support programs for small businesses.
To apply, use the counter of a bank branch. Currently, you can apply at 6121 branches nationwide of 12 banks that handle secondary financial support programs (loans) for small business owners, and 12 banks are Kookmin, Nonghyup, Shinhan, Woori, Hana, Gyeongnam, Gwangju, Daegu, Busan, Jeonbuk, and Jeju. · IBK. Nine banks, excluding Gyeongnam, Jeonbuk, and Jeju banks, can also apply for a non-face-to-face application through the website or application (app). Five banks, including Kookmin, Shinhan, Woori, Daegu, and Corporation, can even make non-face-to-face loans.
When applying for a loan, six documents are required, including a business registration certificate, a certificate of VAT standard, a certificate of national and local tax payment, a lease agreement, and a certificate of income amount, and a certificate of payment of 2 million won for supporting funds must be submitted. The method of issuing the confirmation of the payment of 2 million won for the support fund can be done by accessing the support fund homepage (support fund.kr) and clicking the’Confirm application result’ item. Then, after entering the business registration number and verifying the identity, the’Deposit Complete’ screen appears, and the page can be printed after checking the payment amount. When visiting a branch, you can bring the printed matter with you, and if you apply for a non-face-to-face application, you can take a photo of the printed material and use it.
It is expected that it usually takes 3-4 business days from receipt to receive a loan. However, there may be some delay due to crowds of applicants at the beginning of implementation.
It is important to note that small business owners and corporate business owners with their own workplaces are not eligible for support. However, in the case of self-owned small business owners, there are no restrictions on the use of other programs such as the secondary financial support program for small business owners, and small business owners can use various small business support programs, such as the Corona 19 special guarantee (credit guarantee fund) and Haenaeri loans (Imsan Bank). Reporter Kang Jeong-eui