Gyeonggi Governor Lee Jae-myeong is moving to the briefing room on the morning of the 17th to hold a press conference for the third relocation of public institutions in Gyeonggi-do at Gyeonggi-do Office in Suwon City, Gyeonggi-do. yunhap news
Gyeonggi Province Governor Lee Jae-myeong requested a commercial bank to launch a long-term loan product with an annual interest rate of 3%. It is a’basic loan’ following the basic income that has recently been driving.
According to the banking notes on the 5th, Chosun Biz reported that the Gyeonggi Credit Guarantee Foundation recently sent a’Gyeonggi-do type basic loan pilot operation (proposal)’ to each commercial bank at the end of last month.
The plan contains the content of launching a financial product that lends 5 to 10 million won per person at an annual interest rate of 3% for 10 years, regardless of creditworthiness.
The overall budget is about 1 trillion won to 2 trillion won, and the targets for loans are first for Gyeonggi-do citizens aged 25 to 26 or married (males 33 to 34 years old, women 29 to 30 years old). It plans to expand to the entire population of Gyeonggi Province.
There are two types of loans: repayment at maturity at the same time and a negative bankbook method. In the case of temporary repayment of maturity, the plan is to operate so that principal and interest can be paid off at once.
Gyeonggi Province plans to guarantee 100% of the Gyeonggi New News, and to preserve the difference in interest and insolvency (unrepayable insolvent assets) arising from the borrower’s failure to repay the loan.
The plan is to use the’secondary preservation system’, which allows private banks to lend to low-credit people at low interest rates, and the government compensates for the difference between market interest rates and policy interest rates.
If the Gyeonggi new report is insolvent due to the issuance of a guarantee, the loan principal will be reimbursed with the money of the Gyeonggi new report.
In the second half of last year, Governor Lee proposed a policy to lend a fixed amount at low interest rates in the long run regardless of creditworthiness, and in case of losses, the government or local governments would preserve them.