Loans · Finance

Independence Fund Loan for Persons with Disabilities (2% per year) (장애인 자립자금 대여): How to Apply, Amount & Eligibility (2026)

Fixed interest rate of 2% per year, up to KRW 12,000,000 without a guarantor and KRW 50,000,000 with collateral (5-year grace period, then 5 years of installment repayment)

This page is a translation of the Korean original and is for reference only. The official Korean guidance is the authoritative source for amounts and conditions, so be sure to confirm on the official website before applying. View Korean original (한국어)

Benefit
For registered persons with disabilities aged 19 or older in households with recognized income above 50% and up to 100% of median income. Uses include livelihood funds, vehicles for business, commuting vehicles, job training costs, assistive devices, office assistive equipment and medical expenses. For loans without a guarantor: existing loans of KRW 20,000,000 or less, and property tax paid of KRW 20,000 or more or annual income of KRW 6,000,000 or more.
Who is eligible
Registered persons with disabilities aged 19 or older (full age) in households with recognized income above 50% and up to 100% of median income
When to apply
Year-round
How to apply
Community service center (주민센터) of your eup/myeon/dong or Bokjiro (복지로) online > review and recommendation by the city/county/district > visit KB Kookmin Bank to apply for the loan. 129
Important notes
A recommendation from the city/county/district does not guarantee the final loan. Repaying by taking out a loan after the purchase is not permitted.
Note
For vehicle purchases, you must apply for the loan before purchasing. The final loan is decided by KB Kookmin Bank screening.
Go to the official guide →

Based on official sources as of 2026년 10월. Amounts and requirements may change, so please confirm with the official guide before applying.

Frequently asked questions

Independence Fund Loan for Persons with Disabilities (2% per year) (장애인 자립자금 대여): who can receive it?

Registered persons with disabilities aged 19 or older (full age) in households with recognized income above 50% and up to 100% of median income

Independence Fund Loan for Persons with Disabilities (2% per year) (장애인 자립자금 대여): how do I apply?

Community service center (주민센터) of your eup/myeon/dong or Bokjiro (복지로) online > review and recommendation by the city/county/district > visit KB Kookmin Bank to apply for the loan. 129

Independence Fund Loan for Persons with Disabilities (2% per year) (장애인 자립자금 대여): how much will I receive?

For registered persons with disabilities aged 19 or older in households with recognized income above 50% and up to 100% of median income. Uses include livelihood funds, vehicles for business, commuting vehicles, job training costs, assistive devices, office assistive equipment and medical expenses. For loans without a guarantor: existing loans of KRW 20,000,000 or less, and property tax paid of KRW 20,000 or more or annual income of KRW 6,000,000 or more.

Independence Fund Loan for Persons with Disabilities (2% per year) (장애인 자립자금 대여): when can I apply?

Year-round