Leasehold small business owners (restricted business types) suffering from the 3rd spread of Corona 19 can receive additional loans up to 10 million won from the 18th.
Small business owners (individual businesses) who can apply for 2 million won are eligible for support among the supporting funds that have been paid since 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 are using the existing small business financial support program.
The business categories that are restricted in the 2.5th stage of distance distancing currently in effect in the metropolitan area are restaurants, cafes, PC cafes, beauty salons, marts, and game rooms.
Prior to the operation of the program, the Financial Services Commission announced today (14th) the application qualifications and application procedures in question and answer.
Q. Who is the target of application?
▲ This applies to small business owners who have received 2 million won or received a decision to pay out of the supporting funds that began to be paid on the 11th.
Loans can be obtained from private business owners who have a paid lease agreement for their current business.
Q. Can small business owners who have already used the existing 1st and 2nd financial support programs for small businesses can use it?
▲ You can apply for up to 10 million won regardless of whether you use the existing financial support program.
It is also possible to apply for the first and second financial support programs for small businesses, and the order of use is irrelevant.
Q. What is the application process?
▲ You can use the bank office counter.
Currently, you can apply at 6,121 branches nationwide of 12 banks that handle secondary financial support programs (loans) for small businesses.
The 12 banks are Kookmin, Nonghyup, Shinhan, Woori, Hana, Gyeongnam, Gwangju, Daegu, Busan, Jeonbuk, Jeju, and IBK.
Of these, 9 banks excluding Gyeongnam, Jeonbuk, and Jeju banks can also apply for a non-face-to-face application through the homepage or application (app).
Five banks, including Kookmin, Shinhan, Woori, Daegu, and Corporation, can even provide non-face-to-face loans.
Q. What documents are required when applying?
▲ Six documents are required, including business registration certificate, VAT standard certificate, national and local tax tax payment certificate, lease contract, and income amount certificate.
In addition, you must submit a confirmation of the payment of 2 million won for the support fund.
Q. How is the confirmation of the payment of 2 million won for the support fund issued?
▲ Go to the support fund homepage (Support fund.kr) and click the'Check application result' item.
When the'Deposit Complete' screen appears after entering the business registration number and identification process, you can print the page after confirming the payment amount (2 million won).
When visiting a branch, you can bring the printed material with you, and when applying for a non-face-to-face application, you can take a photo of the printed material.
Q. When can I get a loan?
▲ It usually takes 3-4 business days from application to loan.
There may be delays due to crowds of applicants at the beginning of implementation.
Q. Can corporations and self-owned small business owners belonging to collectively restricted industries use the special support program?
▲ Small business owners and corporate business owners with their own business sites are not eligible.
In the case of self-employed small business owners, there are no restrictions on the use of other programs such as the secondary financial support program for small business owners.
Small business owners of corporations can use various small business support programs such as COVID-19 special guarantee (Credit Guarantee Fund) and Hae Nae-ri loan (Iverage Bank).
(Photo = Yonhap News)