사전채무조정busancreditguaranteefoundation
busancreditguaranteefoundation
busancreditguaranteefoundation
※ Please scroll the table left and right. September 2019
April 2009
October 2002
September 2004
January 2002
Debts owed to financial institutions that have entered into a credit recovery support agreement
No restrictions (including financial institution debts and private loans)
– Unsecured debt of KRW 500 million or less
– Secured debt of KRW 1 billion or less
Unsecured KRW 1 billion or less
Collateral of KRW 1.5 billion or less
No restrictions
Delinquent borrowers with income exceeding the minimum living expenses who are delinquent for 30 days or less
Delinquent borrowers with income exceeding the minimum living expenses who are delinquent for 30 days or less
Delinquent borrowers with income exceeding the minimum living expenses who are delinquent for 31-89 days
Heavy debtors with fixed income exceeding the minimum living expenses
Debt repayment difficulties with no or low income
– Reduction of delinquent interest
– Interest rate adjustment (upper limit: 15% per annum)
– No principal reduction
– Reduction of delinquent interest
– Agreeable interest rate 30~70% reduction
– No principal reduction
– Interest and overdue interest reduction
– Partial principal reduction (up to 70% for depreciable bonds, up to 30% for unamortized bonds)
Unsecured debt repayment in 3~5 years (remaining debt exemption after repayment with disposable income)
Remaining debt exemption after disposal of owned assets
Unsecured debt up to 10 years
– Unsecured debt up to 10 years
– Secured debt up to 35 years installment repayment of principal and interest
Release of short-term delinquency information after application
Release of delinquency information after confirmation, public information listing for up to 2 years
Release of delinquency information after approval, public information listing for 5 years
Debt collection against guarantor is not possible
Debt collection against guarantor is possible
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