- 사전상담 : 사전상담을 받고 대상자로 판정되면 신청
- 신용보증 신청 : 한국자산관리공사 창구(본사 및 각 지역본부 지부, 전국 서민금융통합지원센터 포함), 시중은행 창구, 인터넷을 통해 신용보증 신청
- 보증심사 : 한국자산관리공사에서 서류 등을 확인하여 보증심사
- 약정체결 : 보증심사에서 통과하는 경우 채무보증에 대한 약정 체결
- 대출신청 : 시중은행을 통해 전환대출 신청(은행에서 별도의 대출심사 진행)
- 대출실행 : 은행에서 대출이 실행되면 고금리대출을 상환
대출은행 : 전국 15개 시중은행
국민은행, 신한은행, 우리은행, 농협은행, 수협은행, IBK기업은행, KEB하나은행, SC제일은행, 시티은행, 경남은행, 광주은행, 대구은행, 부산은행, 전북은행, 제주은행
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