내 최대한도 확인하기

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</style></head><body><article id="603879c2-c2e6-469c-accd-5e42b2d99890" class="page sans"><header><h1 class="page-title">전업주부도 신용대출 받을 수 있을까? </h1></header><div class="page-body"><p id="4f093ca2-7016-458e-9245-7739a7e8aede" class="">Q: 소득이 없는 전업주부가 받을 수 있는 신용대출 상품이 있을까요?</p><p id="bafdd522-9ead-49df-b0dd-d8c15c48780f" class="">A: 네, 그럼요! 주부를 비롯한 저신용자를 위한 대출 상품은 1금융권 상품부터, 대부업체의 상품까지 다양한데요. 어떤 업권에서 빌리는지에 따라 금리가 크게 달라져요. 그래서 처음 대출을 받을 때 좋은 조건으로 대출을 받는 것이 중요해요.</p><p id="a6b7dd0e-9025-4296-86b8-75599bcfdc58" class="">
</p><p id="fe00f8d6-6b78-4e0f-bdc4-86df5fb662d4" class=""><mark class="highlight-gray">작성일: 2023.01.26</mark></p><p id="f56383e4-e61a-42bc-88f7-6bba20dbcad4" class="block-color-gray">준법감시인 심사필 제4644호(23.01.25.1년)</p></div></article></body></html>

전업주부도 신용대출
받을 수 있을까?

내 대출금리 확인하기

<html><head><meta http-equiv="Content-Type" content="text/html; charset=utf-8"/><title>대출금리 오르면, 누가 웃을까?</title><style>
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</style></head><body><article id="85b54b21-0358-495c-b1e7-6ee2541fe45a" class="page sans"><header><h1 class="page-title">대출금리 오르면, 누가 웃을까?</h1></header><div class="page-body"><p id="59dc678e-4e47-4246-90d3-79784168958a" class="">예금과 대출 금리가 많이 올랐던 2022년, 과연 누가 울고 웃었을까요?</p><p id="1e7eb153-7b42-4df8-a027-3d40af8c47b8" class="">
</p><h2 id="4efac23a-5148-41dc-b783-349ed308effb" class="">대출을 이미 받았거나, 받으려는 사람들: 눈물을 흘렸어요<strong>😢</strong></h2><p id="268ae498-ebe3-46fc-8a02-1377be656680" class=""><div class="indented"><p id="917323ae-c64c-44b8-9e11-945a302f8e94" class="">금리가 오르면 부담해야 하는 이자가 늘어나기 때문에 차주(대출받은 사람)들은 울 수밖에 없었어요. 특히 변동금리로 대출을 받았던 분들은 더 큰 부담감을 느꼈을 거예요. </p><figure class="block-color-gray_background callout" style="white-space:pre-wrap;display:flex" id="582383da-89d3-4446-8e82-6a938a69f65c"><div style="font-size:1.5em"><span class="icon">🤷‍♀️</span></div><div style="width:100%">변동금리가 뭐야? <a href="https://creditplanet.co.kr/articles/floating_rate_or_fixed_rate">여기</a>에서 확인하세요.</div></figure><p id="aac409fd-6336-41c5-9bbd-6a265ed50cb4" class=""><strong>금리가 오르면</strong> 금융기관에서는 <strong>사람들이 돈을 잘 갚을 확률이 떨어진다</strong>고 생각해요. 같은 돈을 빌려도, 매달 더 많은 양의 이자를 내야 해서 <strong>차주의 부담이 더 커진다</strong>고 보기 때문이에요. 그래서 은행들은 <strong>새로운 대출을 내보내는 것을 더 조심스럽게 결정</strong>해요. 대출받으려는 사람 입장에서는, 대출받기가 더 어려워졌다고 느낄 수밖에 없어요. </p></div></p><p id="1d21137b-8e25-4953-965d-5543b304346a" class="">
</p><h2 id="87ea3f06-2282-46e9-b040-1607b2051e2d" class="">예적금에 가입하려는 사람들: 웃었어요<strong>😙</strong> </h2><p id="f359055a-7044-4efa-8868-721a785cc704" class=""><div class="indented"><p id="9c90c74c-0469-4837-aab6-286bde417e13" class="">한편 여윳돈이 많아 예적금에 가입한 사람들은 전보다 이득을 보았어요. 2022년 11월에는 주요 은행의 정기예금 금리가 연 5%대를 넘기도 했어요.</p><figure class="block-color-gray_background callout" style="white-space:pre-wrap;display:flex" id="9dbb7287-733f-43b2-b4a8-a88161df9c52"><div style="font-size:1.5em"><span class="icon">🤔</span></div><div style="width:100%">지금 바로 예금 상품에 가입하면 5% 금리를 받을 수 있을까요? <a href="https://creditplanet.co.kr/articles/install_savings_account_which_has_long_maturity_in2023">여기</a>에서 확인하세요. </div></figure></div></p><p id="e51bfb2b-d90a-4e78-9fc3-f275942b59c2" class="">
</p><h2 id="565d18ef-399e-4a53-8ef2-d7b18cd6bbdf" class="">예대마진이 커진 은행들: 활짝 웃었어요<strong>😁</strong></h2><p id="480212c0-4033-4c18-804b-6e7d1027b599" class=""><div class="indented"><p id="a4beea7e-fd19-477a-a902-c90c8fef52aa" class="">예대마진은 대출금리와 예금금리의 차이를 말하는데요, <strong>예대마진이 커질수록 은행이 이득을 봐요</strong>. 실제로 4대 금융지주(KB. 신한, 하나, 우리) 중 실적을 발표하지 않은 하나금융지주를 제외한 세 곳은 모두 2021년 대비 높은 당기순이익을 얻었어요. 특히 우리금융은 전년 대비 22.5%나 높은 당기순이익을 기록했어요.</p><p id="2c78feea-3bf6-4c17-a2b3-0a309f795053" class="">높아지는 대출금리에 많은 서민이 어려움을 겪고 있는데, 반대로 큰 수익을 챙긴 은행은 비난을 피할 수 없었어요. 이에 금리를 인하하라는 압박이 가해졌고, 시중은행들은 대출금리를 조금씩 낮추고 있어요.</p></div></p></div></article></body></html>

예금과 대출 금리가 많이 올랐던 2022년, 과연 누가 울고 웃었을까요?

loan_interest_raised

대출금리 오르면, 누가 웃을까?

햇살론을 포함한 대출 최저금리 확인

<h1>햇살론 정복하기</h1><p>낮은 신용점수 때문에 대출이 거절되신 분들! 고민을 해결해 줄 ‘햇살론 상품’을 소개해드려요.</p><p><br></p><h3>직장인이라면? 근로자햇살론</h3><p>3개월 이상 재직 중이면서, <strong>1) 연 소득 3,500만 원 이하</strong>이거나 <strong>2) 연 소득 4,500만 원 이하이면서 신용점수가 하위 20% </strong>(*NICE 744점/KCB 700점 이하, 2021년 기준<strong>) </strong>라면</p><ul><li><p><strong>최대 2,000만 원을 11.5% 이하로 5년까지</strong> 대출받을 수 있어요.</p></li></ul><ul><li><p>취급기관은 <a href="https://www.kinfa.or.kr/contentsPage.do#none">여기</a>에서 확인할 수 있어요.</p></li></ul><p><br></p><h3>만 19~34세라면? 햇살론유스</h3><p><strong>1) 취업준비생 또는 대학생</strong> 이거나 <strong>2) 중소기업에서 1년 이하 재직 중</strong>이며<strong> 연 소득이 3,500만 원 이하</strong>인 사회초년생이라면</p><ul><li><p><strong>최대 1,200만 원을 3.6%~4.5%로 13년까지</strong> 대출받을 수 있어요. 구체적인 금액과 기간은 대출금 사용 용도에 따라 달라져요.</p></li></ul><ul><li><p>거치기간은 최대 6년, 상환기간은 최대 7년이에요.</p></li></ul><ul><li><p>서민금융진흥원 앱을 통해 보증신청을 하고, 기업은행, 신한은행, 전북은행 중 원하는 은행에서 대출받을 수 있어요.</p></li></ul><p><br></p><h3>기대출, 갈아타려면? 햇살론15</h3><p><strong>1) 연 소득 3,500만 원 이하</strong>이거나 <strong>2) 연 소득 4,500만 원 이하이면서 신용점수가 하위 20%</strong>라면</p><ul><li><p><strong>최대 2,000만 원을 15.9%로 5년까지</strong> 대출받을 수 있어요.</p></li></ul><ul><li><p>성실하게 대출금을 갚으면, 매년 3%p까지 금리가 인하될 수 있어요.</p></li></ul><ul><li><p>대출 신청 이전에 <a href="https://edu.kinfa.or.kr/academy/course/onDetail.do?ref1=LON&amp;amp;amp;amp;amp;amp;mtScCode=SC1006">서민금융진흥원 금융교육포털</a>을 통해 햇살론15 강의를 수강하거나, 서민금융진흥원 신용부채컨설팅을 이수한 경우 금리가 인하되어요.</p></li></ul><ul><li><p>KB국민, 신한, 우리, IBK기업, 하나, 농협, 수협, 경남, 광주, 대구, 부산, 전북, 제주, SC제일, 카카오뱅크를 통해 대출받을 수 있어요.</p></li></ul><ul><li><p>햇살론15가 거절되었다면, 최대 1천만 원까지 <a href="https://www.kinfa.or.kr/product/lowLoan.do#none">최저신용자 특례보증</a>을 이용할 수 있어요.</p></li></ul><p><br></p><h3>정책서민금융상품*을 6개월 이상 이용하고 신용점수가 개선됐다면? 햇살론뱅크</h3><p><strong>1) 정책서민금융상품을 이용 중이거나 정상적으로 갚은 후 3년이 지나지 않은 분</strong>이면서, <strong>2) 부채 또는 신용도가 개선</strong>**되었으며, 3) 연 소득이 3,500만 원 이하이거나 연 소득이 4,500만 원 이하이면서 신용점수가 하위 20%라면</p><ul><li><p><strong>최대 2,500만 원을 연 4.9%</strong>(보증료 포함)로 <strong>5년까지</strong> 대출받을 수 있어요.</p></li></ul><ul><li><p>거치기간을 최대 1년까지 부여해요.</p></li></ul><ul><li><p>BNK경남, 광주, KB국민, IBK기업, NH농협, DGB대구, BNK부산, SH수협, 우리, 전북, 제주, 하나, 신한은행에서 신청할 수 있는데, 금리가 은행별로도 달라지니 꼼꼼히 확인해야 해요.</p></li></ul><p>*새희망홀씨, 미소금융, 근로자햇살론, 사업자햇살론, 햇살론15, 햇살론17, 바꿔드림론, 안전망대출, 안전망대출Ⅱ, 햇살론유스, 햇살론뱅크, 최저신용자 특례보증</p><p>**신청일 기준으로 최근 1년 이내에 가계 대출잔액이 줄었거나 신용점수(KCB 또는 NICE)가 올랐다면 개선되었다고 간주해요.</p>

낮은 신용점수 때문에 대출이 거절되신 분들! 고민을 해결해 줄 ‘햇살론 상품’을 소개해드려요.

micro_financing_sunshine_loan_summary

햇살론 정복하기

신용점수 올리고 금리 내리기

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}
.block-color-gray_background {
	background: rgba(241, 241, 239, 1);
}
.block-color-brown_background {
	background: rgba(244, 238, 238, 1);
}
.block-color-orange_background {
	background: rgba(251, 236, 221, 1);
}
.block-color-yellow_background {
	background: rgba(251, 243, 219, 1);
}
.block-color-teal_background {
	background: rgba(237, 243, 236, 1);
}
.block-color-blue_background {
	background: rgba(231, 243, 248, 1);
}
.block-color-purple_background {
	background: rgba(244, 240, 247, 0.8);
}
.block-color-pink_background {
	background: rgba(249, 238, 243, 0.8);
}
.block-color-red_background {
	background: rgba(253, 235, 236, 1);
}
.select-value-color-pink { background-color: rgba(245, 224, 233, 1); }
.select-value-color-purple { background-color: rgba(232, 222, 238, 1); }
.select-value-color-green { background-color: rgba(219, 237, 219, 1); }
.select-value-color-gray { background-color: rgba(227, 226, 224, 1); }
.select-value-color-opaquegray { background-color: rgba(255, 255, 255, 0.0375); }
.select-value-color-orange { background-color: rgba(250, 222, 201, 1); }
.select-value-color-brown { background-color: rgba(238, 224, 218, 1); }
.select-value-color-red { background-color: rgba(255, 226, 221, 1); }
.select-value-color-yellow { background-color: rgba(253, 236, 200, 1); }
.select-value-color-blue { background-color: rgba(211, 229, 239, 1); }

.checkbox {
	display: inline-flex;
	vertical-align: text-bottom;
	width: 16;
	height: 16;
	background-size: 16px;
	margin-left: 2px;
	margin-right: 5px;
}

.checkbox-on {
	background-image: url("data:image/svg+xml;charset=UTF-8,%3Csvg%20width%3D%2216%22%20height%3D%2216%22%20viewBox%3D%220%200%2016%2016%22%20fill%3D%22none%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%0A%3Crect%20width%3D%2216%22%20height%3D%2216%22%20fill%3D%22%2358A9D7%22%2F%3E%0A%3Cpath%20d%3D%22M6.71429%2012.2852L14%204.9995L12.7143%203.71436L6.71429%209.71378L3.28571%206.2831L2%207.57092L6.71429%2012.2852Z%22%20fill%3D%22white%22%2F%3E%0A%3C%2Fsvg%3E");
}

.checkbox-off {
	background-image: url("data:image/svg+xml;charset=UTF-8,%3Csvg%20width%3D%2216%22%20height%3D%2216%22%20viewBox%3D%220%200%2016%2016%22%20fill%3D%22none%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%0A%3Crect%20x%3D%220.75%22%20y%3D%220.75%22%20width%3D%2214.5%22%20height%3D%2214.5%22%20fill%3D%22white%22%20stroke%3D%22%2336352F%22%20stroke-width%3D%221.5%22%2F%3E%0A%3C%2Fsvg%3E");
}
	
</style></head><body><article id="bdc42996-8fdc-4741-a11c-6887b2110d98" class="page sans"><header><h1 class="page-title">‘금리인하 요구권’ 이용하기</h1></header><div class="page-body"><p id="8c3a2478-b870-45b6-b34a-75259cfdf395" class="">금리인하요구권은 <strong>대출받은 시점보다 돈을 갚을 능력이 향상되었을 때 대출금리를 낮춰달라고 요구할 수 있는, 2019년부터 법에 명시되어있는 권리</strong>예요.</p><p id="2467fd57-42dc-4d28-97db-4885788f3c8e" class="block-color-gray">*자동차대출, 보험계약대출, 예적금 담보대출을 제외한 대출 상품을 이용하고 있다면, 시중은행은 물론 저축은행, 카드사 등에서까지 신청할 수 있어요. </p><h2 id="a289ceab-5d88-48d9-9ada-61d8a84f5e95" class="">🤨 신청 조건이 궁금해요</h2><p id="6786401e-ee02-49ae-97b5-437f848b0d06" class="">금리인하요구권은 크게 두 가지 경우에 해당하는 경우 신청할 수 있어요. 구체적인 조건은 은행이나 금융사 별로 조금씩 다를 수 있어요.<div class="indented"><h3 id="66db330b-2cb7-4234-98eb-353a0e94fed3" class="">1. 소득 및 재산의 증가</h3><p id="05829d8e-8826-4bb7-8130-347d099c3487" class="">승진, 취업, 이직 등으로 소득이 증가하거나 집을 구매해서 재산이 증가한 경우 등에 해당해요.</p><h3 id="8f6ea253-9594-4dd2-a685-562c2fe63fd5" class="">2. 신용점수 상승</h3><p id="547e9c7e-c21a-4582-b3d5-709294c8e28c" class="">여러 요인으로 인해 신용점수가 오르고 내릴 수 있어요. 신용점수가 개선되면 대출을 갚을 능력이 개선되었다고 보기 때문에 금리 인하를 요구할 수 있어요.</p></div></p><p id="bbf6e1a9-802a-49d4-9094-902afce6f8df" class="">
</p><h2 id="50082548-cd1a-44fd-9215-1854026531b5" class="">🖐️ 금리가 오르면서 많은 사람이 금리 인하를 요구하고 있어요.</h2><p id="a1c7e973-5d72-4048-b229-8f184603ed11" class="">
</p><p id="cf85af49-248c-4c77-9117-7cdfb004e984" class="">2022년 상반기에만 총 119만 건의 금리인하 요구권이 신청되었어요. 2019년 한 해동안 74만 건이 발생했던 것과 비교하면 증가폭이 크다는 것을 알 수 있어요. <strong>하지만 이 요구들이 받아들여진 비율은 은행별로 최대 57.9%였고, 최저 19%로 낮은 은행들도 있었어요.</strong></p><p id="d382a0b7-c1ea-4a85-a772-1f1636ee3838" class="">정부에서 이 사실을 알고, 사람들이 지나치게 높은 금리를 부담하지 않도록 금리인하요구권을 강화할 수 있는 개선안을 발표했어요.<div class="indented"><ul id="43475cfe-6827-46d8-a6e8-8381b7634bfd" class="bulleted-list"><li style="list-style-type:disc">개선안에는 이런 내용이 담겼어요.<ul id="2d66b0a3-8334-4d6a-ba7a-7a27bfd0f36e" class="bulleted-list"><li style="list-style-type:circle">소득 혹은 신용점수가 오른 대출자에게 6개월에 1번 이상 금리인하요구권을 신청할 수 있음을 먼저 안내해야 해요.</li></ul><ul id="5c0f61b0-1c5d-43ad-b599-68977e19f384" class="bulleted-list"><li style="list-style-type:circle">대출자는 금리인하 요구 신청 요건을 이전보다 구체적으로 안내받을 수 있어요.</li></ul><ul id="b82c8999-94b2-4845-a483-e81419b9ec58" class="bulleted-list"><li style="list-style-type:circle">금리인하 요구권이 거절된 대출자는 이전보다 구체적인 거절 사유를 들을 수 있어요.</li></ul><ul id="097463ed-8470-4df0-bf69-e1addd2901d8" class="bulleted-list"><li style="list-style-type:circle">금융기관은 고객이 신청한 금리인하 요구권을 얼마나 수용해서 얼마의 금리를 내려줬는지와 함께 평균 금리 인하 폭을 의무적으로 공시해야 해요.</li></ul></li></ul></div></p><p id="ec73a086-a320-4712-b208-0ff2eee275da" class="">
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"금리 내려줘!" 요구할 수 있는 권리를 설명해드려요.