Policy financial institutions such as IBK and Korea Credit Guarantee Fund will provide customized policy funds worth a total of 41 trillion won for two years to the self-employed and small business owners who have suffered from COVID-19.
On the 24th, the Financial Services Commission unveiled a customized financial support plan for the self-employed and small business owners.
Previously, the government announced a financial support program worth a total of 80 trillion won to alleviate the financial difficulties of the self-employed and small business owners.
The customized financial support plan announced on the same day contains 41.2 trillion won worth of liquidity support (10.5 trillion won), competitiveness enhancement (29.7 trillion won) and financial support program to help recover (1 trillion won) for two years. I did.
For small business owners who have been pushed to a situation where it is difficult to pay off their debts due to the crisis of business closure, the Startup Fund (30 trillion won) is in charge of debt adjustment, and for small businesses suffering from the burden of repaying their debts with high-interest loans, the loan repayment program at an interest rate of 7% or less (8.7 trillion won) can receive
First of all, as a liquidity supply program, Shinbo will provide 3.25 trillion won for two years through a special guarantee for the economic recovery of COVID-19.
Small business owners and small businesses affected by COVID-19 are eligible, and the limit of support is 300 million won for working capital (facility funds within the required range).
The government secured 220 billion won in the second supplementary budget to expand the special guarantee for COVID-19.
Ki-eun’s Haenae-ri Loan is aimed at small business owners who want to lower their interest rate burden.
This is a loan exclusively for small business owners with less than 10 full-time workers, and the preferential interest rate has been increased to a maximum of 1.2 percentage points.
The additional supply is 3 trillion won.
For the Hope Loan Plus Loan for high credit users, which is being implemented by Shinbo and commercial banks, the limit of support will be increased from 10 million won to 30 million won, and support targets will be added to recipients of loss compensation in addition to recipients of quarantine subsidies.
Ki-eun’s Growth Promotion Facility Investment Special Program is for small business owners who want to enhance their business competitiveness through facility investment such as business expansion, remodeling, and automation.
In addition to a preferential interest rate of up to 1.0 percentage point, a loan limit of up to 90% of the required funds is granted, and the total amount of support is KRW 300 billion.
As for the recovery support program, Ki-eun’s preferential loan for re-startup companies (100 billion won) and Shinbo’s financial support for debt-adjusting companies were prepared.
According to this measure, the amount of financial support provided to small businesses by the two organizations is approximately 20.6 trillion won per year for two years.
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