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신용보증기금 저금리 대환 프로그램 안내

신용보증기금 저금리 대환 프로그램 안내 상세보기
담당부서	조정협력과	등록일	2022.11.29	조회	159	작성자	정낙희
담당부서	조정협력과
등록일	2022.11.29
조회	159
작성자	정낙희
첨부파일	hwp 파일 신용보증기금_저금리_대환_프로그램_안내_FN.hwp [67 KB] 바로보기 내려받기 jpg 파일 신용보증기금_저금리_대환_프로그램_안내_FN.jpg [2.2 MB] 내려받기 PDF 파일 신용보증기금_저금리_대환_프로그램_안내_FN.pdf [149.75 KB] 바로보기 내려받기
1. 프로그램 주요내용<br />   <table> <tbody> <tr> <td style="width: 130px; height: 32px;">구 분</td> <td colspan="2" style="width: 511px; height: 32px;">주 요 내 용</td> </tr> <tr> <td style="width: 130px; height: 40px;">공급규모</td> <td colspan="2" style="width: 511px; height: 40px;">󰋻8.5조원</td> </tr> <tr> <td style="width: 130px; height: 107px;">신청대상</td> <td colspan="2" style="width: 511px; height: 107px;">󰋻코로나19 피해를 입은 개인사업자 및 법인 소기업<br />  <br /> ①손실보전금 등 재난지원금 및 손실보상금 수령 차주<br />  <br /> ②‘22.8.29.이전 全금융권 만기연장·상환유예 조치 차주</td> </tr> <tr> <td rowspan="4" style="width: 130px; height: 202px;">대환대상 채무</td> <td style="width: 122px; height: 82px;">대상 기관</td> <td style="width: 390px; height: 82px;">󰋻은행 및 비은행<br />  <br /> 저축은행, 카드·캐피탈사, 보험사, 상호금융(농협, 수협, 신협, 새마을금고, 산림조합)</td> </tr> <tr> <td style="width: 122px; height: 40px;">금리 요건</td> <td style="width: 390px; height: 40px;">󰋻7% 이상 고금리대출</td> </tr> <tr> <td style="width: 122px; height: 40px;">대출 종류</td> <td style="width: 390px; height: 40px;">󰋻사업자대출 (신용대출 및 담보대출)</td> </tr> <tr> <td style="width: 122px; height: 40px;">시기 요건</td> <td style="width: 390px; height: 40px;">󰋻’22.5.31일 이전에 취급된 대출</td> </tr> <tr> <td style="width: 130px; height: 70px;">대환 취급기관<br /> (보증수탁기관)</td> <td colspan="2" style="width: 511px; height: 70px;">󰋻국민, 기업, 신한, 우리, 하나, 농협, 수협, 부산, 경남,<br /> 대구, 광주, 전북, 제주, SC, 토스뱅크 (15개社)</td> </tr> <tr> <td style="width: 130px; height: 40px;">중도상환수수료</td> <td colspan="2" style="width: 511px; height: 40px;">󰋻기존대출 및 신규대출 모두 면제</td> </tr> <tr> <td style="width: 130px; height: 40px;">차주당 한도</td> <td colspan="2" style="width: 511px; height: 40px;">󰋻(개인기업) 5천만원 / (법인기업) 1억원 *대출 기준</td> </tr> <tr> <td style="width: 130px; height: 40px;">보증비율</td> <td colspan="2" style="width: 511px; height: 40px;">󰋻90%</td> </tr> <tr> <td style="width: 130px; height: 40px;">보증료율</td> <td colspan="2" style="width: 511px; height: 40px;">󰋻연 1% (고정)</td> </tr> <tr> <td style="width: 130px; height: 40px;">만기구조</td> <td colspan="2" style="width: 511px; height: 40px;">󰋻5년 (2년 거치 3년 균등분할상환)</td> </tr> <tr> <td style="width: 130px; height: 110px;">금리상한선</td> <td colspan="2" style="width: 511px; height: 110px;">󰋻(1~2년차) 최대 5.5%<br />  <br /> 󰋻(3~5년차) 기준금리+가산금리<br />  <br /> -기준금리 : 은행채AAA(1년물)+2.0%p(가산금리) 이내</td> </tr> <tr> <td style="width: 130px; height: 71px;">금리구조</td> <td colspan="2" style="width: 511px; height: 71px;">󰋻최고 상한 범위 내에서 차주 신용도에 따라 결정<br />  <br /> -다만, 최초 취급 시 적용금리 2년간 고정</td> </tr> </tbody> </table> 2. 지원절차<br />   <table> <tbody> <tr> <td style="width: 133px; height: 33px;">대출·보증접수</td> <td rowspan="2" style="width: 29px; height: 117px;"><img alt="(null)" height="34" src="data:image/png;base64,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" width="14" /></td> <td style="width: 133px; height: 33px;">대출·보증심사주)</td> <td rowspan="2" style="width: 29px; height: 117px;"><img alt="(null)" height="34" src="data:image/png;base64,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" width="14" /></td> <td style="width: 129px; height: 33px;">약정 및 실행</td> <td rowspan="2" style="width: 29px; height: 117px;"><img alt="(null)" height="34" src="data:image/png;base64,R0lGODlhFQAvAPYAAH9/f4aGh4eHh46Oj4+Pj5OTk5OTl5WVl5aWl5eXl52do6Cgo6Cgp6Ghp6Ojp6Skp6enp6+vr6+vt7Cwt7Gxt7e3t729x76+x8TEx8fHx8fH18jI19HR19LS19bW59fX19fX59jY59vb29zc597e59/f5+Hh7+Li8+Pj8+Xl8+bm8+fn5+np/+rq/+vr6+vr++vr/+zs++zs/+3t/+7u/+/v//Dw//Hx//Ly//Pz8/Pz//T0+/T0//X1+/X1//b2//f39/f3//j4//n5//v7+////wAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAACH5BAAAAEUALAAAAAAVAC8AAAf+gEWCg4IRQISIiYQAFYqOiwM5j48AGI2TigA9kZiJAEOWnYifOwguooMAQkIdEKiCqkJBByuvqkE/HK6oAEG4P7S8P8O5u4QIAMnKAAHEPz4LIqOrq77Ozz4lCaO+1s4+4D48Dx+L18ThPOok26nn4eLqOjoO5bDf6eo88zoj7UUA4OXbxw8HDgoZYMHTJ2+eQYMqCBAByFAfPx0Pb2hESJHhRYwGNWpMIRHAx4IhRd6wYWNCBpMXH6YUydKGCQIAZMpUuZJljRoXKuTcybOmjZ8xCOQAwFOl0Z8/LTRiWvQp1BovlAI0yvVqDRo0pMLietQr2BkoChwC6PUqWBpnM+JKSAir7Vu4cWeckJjq7tm8eWXMXQS48AwZiPdOTGX4MOLHgwkJWKbMwGMZIf5hAoAYBowG9joB8AwDhObNnlswCC26RQsPpze7ViDNFosNxnixMFDrFUANuXnx9g0rOCoCpyYFAgA7" width="14" /></td> <td style="width: 129px; height: 33px;">기존대출 상환</td> </tr> <tr> <td style="width: 133px; height: 84px;">은행 영업점 방문<br /> 또는 모바일 앱을 통해 접수</td> <td style="width: 133px; height: 84px;">서류제출 및 심사<br /> (방문, 팩스 등)</td> <td style="width: 129px; height: 84px;">승인 통지 후<br /> 대면 or 비대면<br /> 약정 후 실행</td> <td style="width: 129px; height: 84px;">기존대출 보유기관 상환<br /> (채권은행 직접상환)</td> </tr> </tbody> </table> 주) 지원 여부는 사업영위 상황, 연체 기록 등을 종합적으로 반영하여 결정<br />  <br /> 3. 필요서류<br />   <table> <tbody> <tr> <td style="width: 113px; height: 34px;">구 분</td> <td colspan="2" style="width: 499px; height: 34px;">내 용</td> </tr> <tr> <td style="width: 113px; height: 94px;">공통</td> <td style="width: 250px; height: 94px;">·사업자 등록증명원<br /> ·주민등록등본<br /> ·부가세과세표준증명원</td> <td style="width: 250px; height: 94px;">·임대차계약서<br /> ·국세 및 지방세 납세증명서</td> </tr> <tr> <td style="width: 113px; height: 69px;">추가<br /> (법인기업)</td> <td style="width: 250px; height: 69px;">·법인등기사항전부증명서<br /> ·주주명부</td> <td style="width: 250px; height: 69px;">·표준재무제표증명(최근 2개년)</td> </tr> </tbody> </table> 주) 대출심사 과정에서 추가 서류 요청 가능하며, 자료준비 및 제출방법은 신청은행과 협의<br />  <br /> 4. 상담 및 문의전화<br />  <br /> □ 신청하고자 하는 은행 영업점(앱) 또는 아래 고객센터를 통해 문의<br />   <table> <tbody> <tr> <td style="width: 102px; height: 33px;">기 관 명</td> <td style="width: 208px; height: 33px;">연락처</td> <td style="width: 102px; height: 33px;">기 관 명</td> <td style="width: 208px; height: 33px;">연락처</td> </tr> <tr> <td style="width: 102px; height: 33px;">경남은행</td> <td style="width: 208px; height: 33px;">1600-8585/1588-8585</td> <td style="width: 102px; height: 33px;">신한은행</td> <td style="width: 208px; height: 33px;">1661-4054(대환보증 전용)</td> </tr> <tr> <td style="width: 102px; height: 33px;">광주은행</td> <td style="width: 208px; height: 33px;">1588-3388/1600-4000</td> <td style="width: 102px; height: 33px;">전북은행</td> <td style="width: 208px; height: 33px;">1588-4477</td> </tr> <tr> <td style="width: 102px; height: 33px;">국민은행</td> <td style="width: 208px; height: 33px;">1644-9999/1599-9999</td> <td style="width: 102px; height: 33px;">제주은행</td> <td style="width: 208px; height: 33px;">1588-0079</td> </tr> <tr> <td style="width: 102px; height: 33px;">기업은행</td> <td style="width: 208px; height: 33px;">1588-2588/1566-2566</td> <td style="width: 102px; height: 33px;">우리은행</td> <td style="width: 208px; height: 33px;">1588-5000/1599-5000</td> </tr> <tr> <td style="width: 102px; height: 33px;">농협은행</td> <td style="width: 208px; height: 33px;">1661-3000/1522-3000</td> <td style="width: 102px; height: 33px;">하나은행</td> <td style="width: 208px; height: 33px;">1588-1111/1599-1111</td> </tr> <tr> <td style="width: 102px; height: 33px;">대구은행</td> <td style="width: 208px; height: 33px;">1566-5050/1588-5050</td> <td style="width: 102px; height: 33px;">SC은행</td> <td style="width: 208px; height: 33px;">1588-1599</td> </tr> <tr> <td style="width: 102px; height: 33px;">부산은행</td> <td style="width: 208px; height: 33px;">1588-6200/1544-6200</td> <td style="width: 102px; height: 33px;">토스뱅크</td> <td style="width: 208px; height: 33px;">1599-4905</td> </tr> <tr> <td style="width: 102px; height: 33px;">수협은행</td> <td style="width: 208px; height: 33px;">1588-1515/1644-1515</td> <td style="width: 102px; height: 33px;">신용보증기금</td> <td style="width: 208px; height: 33px;">1588-6565</td> </tr> </tbody> </table> <div data-hjsonver="1.0" data-jsonlen="113835" id="hwpEditorBoardContent"> </div>

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