<p>소상공인 손실보상금 신청 및 HUG 채무상환 유예기간 연장 + 희망대출 정보</p> <p> </p> <p> </p> <p> </p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <b>소상공인 손실보상금 신청  소상공인 희망대출 신청 1% 초저금리 정보정리</b> </p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <b>소상공인 손실보상금 신청 어떻게 진행되나?</b> </p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <b><br></b> </p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;">2021년 3분기 기준으로 신속 보상 대상자 약 70만개사 중에 12월 영업시간제한 조치를 받은 업체가 대상이며 여기에는 소기업 및 소상공인 55만개사가 해당한다고 합니다.</p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <b>채무상환 유예기간 연장</b> </p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;">주택도시 보증 공사 HUG가 전세보증금 반환보증 개인채무자 중에 손실보상금을 지원받는 대상자에 한해 채무 상환 유예기간을 연장해 준다고 합니다.</p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;">만약 손실보상금 대상이고 전세보증금 반환보증 개인채무자라면 12개월까지 원리금 상환을 유예할 수 있으며 단, 전세금 반환보증 다주택 채무자 중 집중 관리 대상자의 경우에는 제외됩니다.</p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <b>업체당 선지급 금액 얼마를 지급하나?</b> </p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;">2021년 4분기와 2022년 1분기에 대해서 250만 원씩 총 500만 원을 지급</p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <b>선지급은 언제부터 ?</b> </p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;">설 연휴 이전 2022년 1월 28일까지 지급 예정입니다.</p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <b>선지급을 위한 대출을 받으려면 추가 조건은?</b> </p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;">추가적인 조건은 없으며 신용등급 또한 필요하지 않습니다.</p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;">대상 여부만 확인이 된다면 정부에서 신속히 대출금을 지급할 예정입니다.</p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;">이 대출금은 이후에 과세자료를 기반으로 산정된 손실보상금으로 상환됩니다.</p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;">또한, 이자는 적용되지 않습니다.</p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <b>중요 : 참고 사항</b> </p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;">Q. 예를 들어서 손실보상금을 200만 원을 받아야 하지만 이번 선지급 대출 프로그램으로 500만 원을 지급받았다면 추후 정산할 때 어떻게?</p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;">A. 보상금을 초과해서 대출로 남아있는 차액은 1% 초저금리를 적용하며 위의 예로 200만 원을 받을 소상공인이 선지급으로 500만 원을 받은 경우 300만 원에 대해서 1% 금리를 적용하게 됩니다.</p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <b>소상공인 희망대출 신청 대상은?</b> </p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;">희망대출 또한, 이번 방역 패스 2주 연장 등 방역조치 강화로 매출 감소 등 피해를 받고 있는 소상공인들을 대상으로 피해 회복을 긴급 지원하기 위해서 마련되었습니다.</p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;">이번 희망대출 신청 대상은 2021년 12월 27일 이후로 방역지원금 ( 100만 원 )을 받은 업체 중 나이스 평가 정보를 기준으로 신용점수가 744점 ▼ 이하인 저신용 소상공인을 대상으로 신청</p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <b>소상공인 희망대출 신청 제외대상</b> </p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;">소상공인 중 일상 회복 특별융자를 받았다면 중복 신청은 불가능합니다.</p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;">추가로 요건을 만족하기 위해서는 상시 근로자 수가 5인 미만이어야 하며 세금 체납 또는 금융기관 연체자 그리고 휴업 또는 폐업자는 대상에서 제외</p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <b>한도는 얼마까지? 금리는?</b> </p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;">이번 희망대출 신청 한도는 개인 또는 법인사업자 당 최대 1000만 원이며 금리는 연 1% 고정금리입니다.</p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <br></p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> <span style="font-size:14pt;">출처 : </span><a target="_blank" href="https://infosearch.kr/%EC%86%8C%EC%83%81%EA%B3%B5%EC%9D%B8-%EC%86%90%EC%8B%A4%EB%B3%B4%EC%83%81%EA%B8%88-%EC%8B%A0%EC%B2%AD/" target="_blank" class="tx-link" style="color:#000000;"><span style="font-size:14pt;"><b><u><span style="color:#0055ff;">소상공인 손실보상금 신청</span></u></b></span></a> </p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> </p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> </p> <p style="font-family:'굴림', Gulim, AppleGothic, sans-serif;font-size:12px;background-color:#ffffff;"> </p> <div class="hidden" style="text-align:right;" 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