[재난지원금 Q&A]Lack of rent? “10 million won loan at minimum interest rate of 1.9%”

Starting January 11, you can apply without supporting documents.
Support for low interest rate loans, such as limited businesses

The government has decided to provide a ‘support fund’ to small business owners of up to 3 million won to small business owners who have been damaged by the quarantine measures of the crown 19. It also decided to provide 500,000 won each to help a taxi driver or visiting caregiver earn a living.

For small business owners who cannot cover the rent with the support fund alone, loans are also provided at low interest rates (1.9%, 2-4%). Good landlords with a combined income of 100 million won or less will reimburse up to 70% of the rental tax reduction.

The government held a meeting of the Emergency Economy Countermeasures Headquarters on the 29th and announced ‘customized damage support measures in response to the third crown spread.’ This measure has a total value of 9.3 trillion won, including △ emergency damage assistance of 5.6 trillion won quarantine reinforcement 800 billion won 2.9 trillion won personalized assistance package.

Among them, the support fund paid directly to the victims is KRW 4.1 trillion. Small businesses that are subject to ‘collection ban’ due to government’s enforced social distancing will pay 3 million won, and ‘group business restrictions’ that limit business hours or number of people will pay 2 million won each .

A 500 billion won income stabilization fund has also been organized for specially employed workers. It also included the budget for the expansion of negative pressure facilities to respond to infectious diseases, the reinforcement of medical personnel, and the budget to support medical institutions that provided beds for corona patients19.

President Moon Jae-in told a state council meeting chaired at the Blue House on the same day that “personalized damage support measures to protect small entrepreneurs and those who are vulnerable to employment due to the situation of the crown and government quarantine measures. “

-Small Business Owner Support Fund – Who Gets It?

“The funding target for small business owners is similar to the new Hope Fund paid just before Chuseok this year. According to government quarantine guidelines, businesses that have been suspended or restricted in terms of business hours and types are the main support targets, and support is also provided to small business owners with annual sales of less than 400 million won, whose sales declined this year. A total of 2.8 million people are eligible to apply. “

-Although it is a small company in a prohibited / restricted business, sales did not decrease. Can you still receive support? Also, are the self-employed building owners eligible for support?

“In prohibited and restricted businesses, there is a side that cooperated with the government’s quarantine measures and, in fact, it has the side effect of disrupting business due to the government’s reinforced social distancing. With this in mind, the industry pays for support regardless of whether it has sales or stores. “

-While he runs a private institute, it is closed due to reinforced social distancing from the government. How much support can you get?

“The academy is included in the ‘collection ban’ business, which was closed due to strengthening social distancing, and can receive a total of 3 million won adding 1 million won for operational damages and 2 million won for expenses. fixed as rent. The categories of businesses that are prohibited from meeting based on social distancing step 2.5 are △ entertainment companies △ indoor sports facilities △ singing practice ranges, △ direct sales promotion rooms, and △ stand-up performance venues. Restaurants and ski rental shops at the ski area are also eligible for 3 million won. “

-The computer room works with limited hours. In this case, is the support fund different?

“Internet cafes that can be operated with limited business hours are backed by a total of 2 million won in the ‘limited group’ business. Businesses that limit business hours and number of users, such as a computer lab, or that can only deliver and pack, are △ restaurants and cafes, △ aesthetic and beauty shops, △ entertainment rooms, multiple rooms, △ cafes studios, △ cinemas, amusement parks, △ large markets and department stores and △ small accommodation businesses. . “

-When and how can I get it?

“The government plans to start supporting from the 11th. As with the previous application for the new desired small business fund, you can submit an application at the front desk on site, such as a dedicated website or community center. Separate documentary evidence is not required because the government plans to select targets for support using data from the National Tax Service and the Health Insurance Corporation. However, 400,000 people who are not listed in the existing database for rapid payment of new desired funds (DB) must submit a VAT report to the National Tax Service to see if they are eligible for support. “

-It is not enough to pay the rent with the maintenance fund. Can’t fund additional funds?

“If it’s a prohibited / restricted group, we provide low-interest loans through policy financing. The group ban industry plans to make loans to 100,000 people at an annual interest rate of 1.9% through the use of funds from small business policies. In the collective limited sector, loans are backed at an interest rate of 2-4% by guarantees. To receive the guarantee, it currently costs 0.9% of the guarantee fee per year, but for the collective limited business, the guarantee fee for the first year of loan is exempt and the guarantee fee is reduced to 0.6 % for the second to the fifth year. We are preparing to accept loans on January 18 after building a bank computer. “

-It was closed because it could not bear the drop in sales. Is it applied separately?

“You can receive 500,000 won for the ‘Closed Store Re-Challenge Incentive’ for small businesses that are closed. Also, if you want to get a job, we will provide you with 1 million won for conversion education and work incentives, and 10 million won for business restart support if you have new startup items. “

-You are a freelancer whose income has dropped due to the prolonged Crown 19. Can you get support?

“Special-type workers (special advisers) and the self-employed can receive emergency job security support of up to 1 million won. The government pays 500,000 won to 650,000 people who previously received grants without a separate selection, and provides 1 million won when selecting 50,000 new people. A 500,000 won life support fund is also provided to 90,000 visiting and care workers. Low-income individual taxi drivers receive 1 million won, as in the new desired fund above, and corporate taxi drivers who were excluded from previous support can receive 500,000 won in support of income stabilization. Support for special notices, etc., is scheduled to be paid for starting on the 11th as soon as the application period after being announced on January 6. “

-Rent for small business owners was reduced. Will the tax benefits continue?

“The government decided to extend the corporate and income tax credits for rent cuts until the end of June this year. The basic deduction rate is 50% of the previous cut. However, for landlords with a total income of less than 100 million won, the tax credit rate will increase to 70% of the rent cut. “

-I run a small business. What type of support plan do you have?

“Small and medium-sized businesses in restricted / prohibited industry also provide emergency management stabilization loans at 1.9% interest rate, just like small business owners. It is expected to supply an average of 100 million won per company to some 2,000 companies. Special guarantees are also provided through the Credit Guarantee Fund and the Technology Guarantee Fund so that SMEs affected by Corona 19 can receive loans for an average of 300 million won. Even if employees receive paid leave due to difficulties keeping employment, we provide job maintenance support so they can increase the leave allowance. “

-How did you come up with a 9 trillion won budget?

“In addition to the fund allocated for next year’s use of KRW 3.4 billion, we mobilized a budget of KRW 600 billion, which was not used this year, and a reserve for the end of KRW 4.8 billion and KRW 500 billion. . Between them, the purpose reserve was raised to a total of 7 trillion won through the National Assembly budget, and 2.2 trillion won remains, including the cost of purchasing vaccines. “

Sejong = Se-in Park reporter [email protected]

Shin Eun-byul reporter [email protected]

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