<p>최근 국민행복기금이 본격적으로 활동을 시작한다고 해서 생각해보앗습니다.</p><p><br></p><p>우선 국민행복기금에 대해 간단히 정리해보았는데요</p><p>----------------------------------------------------------------------------------------------------</p><p><p style="language:ko;line-height:12.0pt;mso-line-height-rule:exactly; margin-top:2.64pt;margin-bottom:0pt;margin-left:0in;margin-right:0in; text-indent:0in;text-align:center;direction:ltr;unicode-bidi:embed;mso-vertical-align-alt: auto;mso-line-break-override:none;word-break:break-hangul;punctuation-wrap: hanging"><span style="font-size: 11pt; font-family: '맑은 고딕'; letter-spacing: 0pt; font-weight: bold;">국민행복기금이란</span><span style="font-size: 11pt; font-family: '맑은 고딕'; letter-spacing: 0pt; font-weight: bold;">?</span></p> <p style="language:ko;line-height:12.0pt;mso-line-height-rule:exactly; margin-top:2.16pt;margin-bottom:0pt;margin-left:0in;margin-right:0in; text-indent:0in;text-align:justify;text-justify:inter-ideograph;direction:ltr; unicode-bidi:embed;mso-vertical-align-alt:auto;mso-line-break-override:none; word-break:break-hangul;punctuation-wrap:hanging"><span style="font-size: 9pt; font-family: '맑은 고딕'; letter-spacing: 0pt;"> </span></p> <p style="language:ko;line-height:12.0pt;mso-line-height-rule:exactly; margin-top:2.4pt;margin-bottom:0pt;margin-left:0in;margin-right:0in;text-indent: 0in;text-align:justify;text-justify:inter-ideograph;direction:ltr;unicode-bidi: embed;mso-vertical-align-alt:auto;mso-line-break-override:none;word-break:break-hangul; punctuation-wrap:hanging"><span style="font-size: 10pt; font-family: '맑은 고딕'; font-weight: bold;">①</span><span style="font-size: 10pt; font-family: '맑은 고딕'; font-weight: bold;">신용대출 연체자 빚 </span><span style="font-size: 10pt; font-family: '맑은 고딕'; font-weight: bold;">탕감</span></p> <p style="language:ko;line-height:12.0pt;mso-line-height-rule:exactly; margin-top:2.16pt;margin-bottom:0pt;margin-left:0in;text-align:justify; text-justify:inter-ideograph;direction:ltr;unicode-bidi:embed;mso-line-break-override: none;word-break:break-hangul;punctuation-wrap:hanging"><span style="font-size: 9pt; font-family: '맑은 고딕';">-1</span><span style="font-size: 9pt; font-family: '맑은 고딕';">억원</span><span style="font-size: 9pt; font-family: '맑은 고딕';"> 이하의 신용 대출을 지난 </span><span style="font-size: 9pt; font-family: '맑은 고딕';">2</span><span style="font-size: 9pt; font-family: '맑은 고딕';">월 말 현재 </span><span style="font-size: 9pt; font-family: '맑은 고딕';">6</span><span style="font-size: 9pt; font-family: '맑은 고딕';">개월 이상 연체 중인 사람이 구제 </span><span style="font-size: 9pt; font-family: '맑은 고딕';">대상</span></p> <p style="language:ko;line-height:12.0pt;mso-line-height-rule:exactly; margin-top:2.16pt;margin-bottom:0pt;margin-left:0in;text-align:justify; text-justify:inter-ideograph;direction:ltr;unicode-bidi:embed;mso-line-break-override: none;word-break:break-hangul;punctuation-wrap:hanging"><span style="font-size: 9pt; font-family: '맑은 고딕';">-</span><span style="font-size: 9pt; font-family: '맑은 고딕';">최대치는 </span><span style="font-size: 9pt; font-family: '맑은 고딕';">50</span><span style="font-size: 9pt; font-family: '맑은 고딕';">%</span></p> <p style="language:ko;line-height:12.0pt;mso-line-height-rule:exactly; margin-top:2.16pt;margin-bottom:0pt;margin-left:0in;text-align:justify; text-justify:inter-ideograph;direction:ltr;unicode-bidi:embed;mso-line-break-override: none;word-break:break-hangul;punctuation-wrap:hanging"><span style="font-size: 9pt; font-family: '맑은 고딕';">(</span><span style="font-size: 9pt; font-family: '맑은 고딕';">기초생활수급자</span><span style="font-size: 9pt; font-family: '맑은 고딕';"> 등은 최대 </span><span style="font-size: 9pt; font-family: '맑은 고딕';">70</span><span style="font-size: 9pt; font-family: '맑은 고딕';">%)</span></p> <p style="language:ko;line-height:12.0pt;mso-line-height-rule:exactly; margin-top:2.16pt;margin-bottom:0pt;margin-left:0in;text-align:justify; text-justify:inter-ideograph;direction:ltr;unicode-bidi:embed;mso-line-break-override: none;word-break:break-hangul;punctuation-wrap:hanging"><span style="font-size: 9pt; font-family: '맑은 고딕';">-</span><span style="font-size: 9pt; font-family: '맑은 고딕';">감면 </span><span style="font-size: 9pt; font-family: '맑은 고딕';">후 남은 빚은 최장 </span><span style="font-size: 9pt; font-family: '맑은 고딕';">10</span><span style="font-size: 9pt; font-family: '맑은 고딕';">년까지 나눠 갚으면 </span><span style="font-size: 9pt; font-family: '맑은 고딕';">됨</span></p> <p style="language:ko;line-height:12.0pt;mso-line-height-rule:exactly; margin-top:2.4pt;margin-bottom:0pt;margin-left:0in;text-align:justify; text-justify:inter-ideograph;direction:ltr;unicode-bidi:embed;mso-line-break-override: none;word-break:break-hangul;punctuation-wrap:hanging"></p> <p style="language:ko;line-height:12.0pt;mso-line-height-rule:exactly; margin-top:2.4pt;margin-bottom:0pt;margin-left:0in;text-align:justify; text-justify:inter-ideograph;direction:ltr;unicode-bidi:embed;mso-line-break-override: none;word-break:break-hangul;punctuation-wrap:hanging"><span style="font-size: 10pt; font-family: '맑은 고딕'; font-weight: bold;">②</span><span style="font-size: 10pt; font-family: '맑은 고딕'; font-weight: bold;">대학생 학자금 빚 </span><span style="font-size: 10pt; font-family: '맑은 고딕'; font-weight: bold;">탕감</span></p> <p style="language:ko;line-height:12.0pt;mso-line-height-rule:exactly; margin-top:2.16pt;margin-bottom:0pt;margin-left:0in;text-align:justify; text-justify:inter-ideograph;direction:ltr;unicode-bidi:embed;mso-line-break-override: none;word-break:break-hangul;punctuation-wrap:hanging"><span style="font-size: 9pt; font-family: '맑은 고딕';">-</span><span style="font-size: 9pt; font-family: '맑은 고딕';">한국장학재단에서 학자금 대출 후 </span><span style="font-size: 9pt; font-family: '맑은 고딕';">6</span><span style="font-size: 9pt; font-family: '맑은 고딕';">개월 이상 연체 중인 사람 대상</span></p> <p style="language:ko;line-height:12.0pt;mso-line-height-rule:exactly; margin-top:2.16pt;margin-bottom:0pt;margin-left:0in;text-align:justify; text-justify:inter-ideograph;direction:ltr;unicode-bidi:embed;mso-line-break-override: none;word-break:break-hangul;punctuation-wrap:hanging"></p> <p style="language:ko;line-height:12.0pt;mso-line-height-rule:exactly; margin-top:2.4pt;margin-bottom:0pt;margin-left:0in;text-align:justify; text-justify:inter-ideograph;direction:ltr;unicode-bidi:embed;mso-line-break-override: none;word-break:break-hangul;punctuation-wrap:hanging"><span style="font-size: 10pt; font-family: '맑은 고딕'; font-weight: bold;">③</span><span style="font-size: 10pt; font-family: '맑은 고딕'; font-weight: bold;">고금리 채무</span><span style="font-size: 10pt; font-family: '맑은 고딕'; font-weight: bold;">, </span><span style="font-size: 10pt; font-family: '맑은 고딕'; font-weight: bold;">저금리 대출로 </span><span style="font-size: 10pt; font-family: '맑은 고딕'; font-weight: bold;">전환</span><span style="font-size: 10pt; font-family: '맑은 고딕';"><br> </span><span style="font-size: 9pt; font-family: '맑은 고딕';">-20</span><span style="font-size: 9pt; font-family: '맑은 고딕';">% </span><span style="font-size: 9pt; font-family: '맑은 고딕';">이상 고금리 대출을 지난 </span><span style="font-size: 9pt; font-family: '맑은 고딕';">2</span><span style="font-size: 9pt; font-family: '맑은 고딕';">월 말 기준으로 </span><span style="font-size: 9pt; font-family: '맑은 고딕';">6</span><span style="font-size: 9pt; font-family: '맑은 고딕';">개월 이상 상환하고 있는 채무자에 대해 </span><span style="font-size: 9pt; font-family: '맑은 고딕';">10% </span><span style="font-size: 9pt; font-family: '맑은 고딕';">내외의 저금리 은행 대출로 </span><span style="font-size: 9pt; font-family: '맑은 고딕';">변경</span></p> <p style="language:ko;line-height:12.0pt;mso-line-height-rule:exactly; margin-top:2.16pt;margin-bottom:0pt;margin-left:0in;text-align:justify; text-justify:inter-ideograph;direction:ltr;unicode-bidi:embed;mso-line-break-override: none;word-break:break-hangul;punctuation-wrap:hanging"></p> <p style="language:ko;line-height:12.0pt;mso-line-height-rule:exactly; margin-top:2.16pt;margin-bottom:0pt;margin-left:0in;text-align:justify; text-justify:inter-ideograph;direction:ltr;unicode-bidi:embed;mso-line-break-override: none;word-break:break-hangul;punctuation-wrap:hanging"><span style="font-size: 9pt; font-family: '맑은 고딕';">*6</span><span style="font-size: 9pt; font-family: '맑은 고딕';">개월 이상 연체될 경우 채무조정 무효</span></p> <p style="language:ko;line-height:12.0pt;mso-line-height-rule:exactly; margin-top:2.16pt;margin-bottom:0pt;margin-left:0in;text-align:justify; text-justify:inter-ideograph;direction:ltr;unicode-bidi:embed;mso-line-break-override: none;word-break:break-hangul;punctuation-wrap:hanging"><span style="font-size: 9pt; font-family: '맑은 고딕';">*</span><span style="font-size: 9pt; font-family: '맑은 고딕';">은닉재산이 </span><span style="font-size: 9pt; font-family: '맑은 고딕';">있을 시 탕감 무효</span></p></p><p><br></p><p>-------------------------------------------------------------------------------------------------------</p><p><br></p><p>찬성쪽 입장에서는 저소득층의 가계부담을 줄여 경기회복의 불씨를 마련하는데 목적이 있다고 하는데,</p><p><br></p><p>반대에서는 지금까지 성실히 갚아온 사람들의 대한 역차별 문제와 일부로 빚을 크게 만드려는 도덕적해이가 발생한다고 합니다.</p><p><br></p><p>또한 행복기금과 개인회생, 개인파산과 크게 다를바가 없다고 합니다.</p><p><br></p><p>저는 이와 관련하여 국민행복기금은 형평성에 맞지 않다고 보고, </p><p><br></p><p>지금까지 성실히 갚아온 사람들과 차별하여 혜택을 제공하지 않아야 된다고 생각합니다.</p><p><br></p><p>여러분들은 어떻게 생각하시는지 궁금합니다.</p><p><br></p><p></p><p><br></p>