정부지원대출상품

정부지원대출상품정부지원대출상품

 

저신용·저소득 서민에게 신용보증재단의 보증을 담보로 하여 10% 대의 저금리로 대출해주는 서민전용 대출 상품으로, 금융위원회가 서민지원 정책의 일환으로 만들어졌습니다.

농협·수협·신협·산림조합·새마을금고 등 상호금융회사와 저축은행 등 6개 금융기관이 공동 출시하여 2010년 7월 26일부터(산림조합은 8월 16일부터) 판매하기 시작했습니다.

 

대출 대상은 신용등급 무등급자와 6~10등급인 자 또는 연소득 3,000만 원 이하인 자로서 농림어업인, 무등록·무점포 자영업자, 근로자이다.

기초생활수급자와 차상위계층도 포함된다. (단 신용관리정보 보유자 및 연체자인 경우 대출이 제한된다.)

 

자금지원 종류는 사업운영자금·창업자금·긴급생계자금이다. 자영업자와 농림어업인에게 대출해주는 사업운영자금의 경우 최고 2,000만 원 한도 내에서 신용등급·사업자등록 유무·점포보유 여부에 따라 대출금에 차등을 둔다. 상환조건은 1년 거치, 4년 이내 원금 균등분할 상환이다.

 

정부지원대출상품

 

창업자금의 경우 임대차 계약서를 제출하면 5,000만 원 범위 내에서 임차보증금을 대출하고, 필요한 경우 5,000만 원 한도 내에서 임차보증금을 제외한 운영자금을 지원한다. 상환조건은 1년 거치, 4년 이내 원금 균등분할 상환이다. 긴급생계자금의 경우 최고 3,000만 원 한도 내에서 신용등급에 따라 보증한도를 차등화하며, 상환조건은 3년 또는 5년 매월 원금 균등분할 상환이다.

 

금리(2010년 7월 기준)는 상호금융회사 10.6%, 저축은행 13.1% 이내에서 각 금융사가 자율적으로 결정하도록 되어 있다.

또 다른 서민대출인 미소금융의 경우 금리는 낮지만 자영업자에게만 대출되고, 희망홀씨대출 역시 금리는 비교적 낮지만 대출한도가 작고 생계자금에 집중되는 특징이 있다. 반면 햇살론은 대상이 넓고, 다양한 용도로 자금을 빌릴 수 있다는 장점이 있다.

 

정부지원 생계자금 대출

구분 지원대상 대출한도 대출기간 금리
햇살론 생계자금 연소득 3천만원
(신용6등급 이하는 4천만원)
1천5백만원 3~5년 이내 상호금융 7.25% , 저축은행 9.05% (금리는 매월 변경됩니다)
대학생·청년 햇살론 만19세~만29세
신용등급 7등급 이하 등
8백만원
(연 3백만원)
5년 이내 4.5%
취업성공대출 취업성공패키지 이수자 3백만원 3년 이내 5.5%
교육비지원대출 자녀가 초중고에 재학 중인 가구 5백만원 5년 이내 4.5%
장애인자립자금대출 등록 장애인 1천2백만원 5년 이내 3%
새희망홀씨 연소득 3천만원
(신용6등급 이하는 4천만원)
2천5백만원 5년 이내 6~10.5%
징검다리론 서민금융상품 성실상환자 3천만원 5년이내 9% 이내
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