바꿔드림론

바꿔드림론

 

바꿔드림론이란?바꿔드림론

대부업체등에서 대출받은 고금리 대출을 국민행복기금 보증을 통해 시중운행의 저금리대출로 바꿔주는 서민금융상품

 

구분 자격요건
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)

 

 

바꿔드림론 상세내용

  • 대출한도 : 최대 3천만원
  • 대출금리 : 연 6.5% ~ 10.5%
  • 대출기간 : 급여소득자 – 최장 5년, 자영업자 – 최장 6년
  • 상환방법 : 원리금균등분할 상환
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