[앵커]
The personal debt load of tiny corporations impacted by COVID-19 has greater rapidly.
To decrease this, the 30 trillion gained New Start Fund will be completely operational from October.
The vital is to obvious the principal of personal debt of smaller company proprietors who are at hazard of default thanks to prolonged insolvency or to alter them into a very long-phrase amortization approach.
Park Chan reporter on the sidewalk.
[리포트]
Self-employed personnel who have been hit challenging by quarantine steps thanks to COVID-19 were being often in debt.
As a outcome, their financial loans also elevated rapidly: in individual, non-bank loans with high fascination costs amplified by much more than 70%, and the quantity of multi-debtors with debt from 3 or a lot more money establishments arrived at 330,000.
The circumstance of this 50-year-previous restaurant owner is identical.
[코로나19 피해 자영업자 : “매달 1천만 원, 1천5백만 원 이상 적자를 보기 때문에 이걸 버티기 위해서 대출이라든지 사금융에서 이제 받아서 계속 돌려막기 식으로 가는 거죠.”]
The government has resolved to implement the Startup Fund to enable small company homeowners and self-utilized folks who have been burdened by COVID-19.
The sizing of the fund is 30 trillion gained, and by way of this, the money owed they have will be alleviated or the credit card debt load will be reduced centered on the velocity of recovery of profits.
There are two primary forms of assistance: First, if you have been overdue for extra than 90 times, you can lower your fairness by up to 80% of your personal debt minus your property.
This only applies to credit rating loans and the reduction rate is up to 90% for the susceptible course these types of as the primary livelihood recipients.
If the principal is diminished, there is a debt reconciliation history for two several years and usual economical transactions are tricky, these types of as the lack of ability to use a credit history card all through this time period.
If your insolvency is considerably less than 90 times, you can increase the time you can shell out off your personal debt or lower the mortgage interest fee.
Having said that, there is no big reduction.
[권대영/금융위원회 금융정책국장 : “도덕적 해이를 방지하기 위한 그런 요건들을 만들고 질적 심사를 굉장히 강화하겠다. 은닉재산이 발견되면 즉시 원금조정 등 기존 채무는 무효처리하도록 하겠습니다.”]
In October, a internet site will open up exactly where you can check for by yourself if you are eligible and implement for financial debt consolidation.
Earlier, subsequent thirty day period, we allowed to receive preventive tips from the phone centre and Asset Administration Corporation.
This is Park Chan from KBS News.
Director of Pictures: Ahn Yong-seop / Video Enhancing: Han Chan-eui / Graphics: Seo Su-min
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