대부업체등에서 대출받은 고금리 대출을 국민행복기금 보증을 통해 시중운행의 저금리대출로 바꿔주는 서민금융상품
|신용등급||신용6등급 이하(연소득 3천만원 이하 또는 특수채무자는 신용등급 제한 없음)|
|연소득||근로자||4천만원 이하(부양가족 2인 이상은 4천5백만원 이하)|
|자영업자||4천5백만원 이하(사업자등록된 자영업자에 한함)|
|채무상환||20%이상의 고금리 6개월 이상 정상상환(자영업자의 경우 15%이상 고금리)(보증채무, 담보대출, 할부금융, 신용카드사용액 제외)|
- 대출한도 : 최대 3천만원
- 대출금리 : 연 6.5% ~ 10.5%
- 대출기간 : 급여소득자 – 최장 5년, 자영업자 – 최장 6년
- 상환방법 : 원리금균등분할 상환
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