- Benefit
- Eligible: young people aged 19-34 with annual income of KRW 35,000,000 or less who are job seekers (university and graduate students, Academic Credit Bank System students, unemployed youth), early-career workers (1 year or less at a small or medium company), and young business owners in business for 1 year or less. Up to KRW 12,000,000 per person at one time (general living funds KRW 6,000,000 per year and KRW 3,000,000 per time, specific purposes KRW 9,000,000 per year). Interest rate: loan 4.0% + guarantee fee 1.0% = 5.0%, 4.5% for those who succeeded in the National Employment Support System (국민취업지원제도), 2.0% for socially disadvantaged. Grace and repayment up to 13 years (15 years for military enlistment).
- Who is eligible
- Job seekers, early-career workers and young business owners aged 19-34 with annual income of KRW 35,000,000 or less
- When to apply
- Year-round
- How to apply
- Apply via the Korea Inclusive Finance Agency app (Itda), Microfinance Call Center 1397
- Important notes
- Depends on the result of the Korea Inclusive Finance Agency's guarantee suitability review after application
- Note
- Once the limit is used, it cannot be used again even after repayment. Excluded if you own excessive assets. Interest support comes from the Lottery Fund. Youth-only benefits are also covered in the youth category.
Based on official sources as of 2026년 10월. Amounts and requirements may change, so please confirm with the official guide before applying.