What is the Haetsal loan (general · special guarantee)?
Conditions for the revamped 2026 Haetsal general and special guarantee loans. A policy finance product run by the Korea Inclusive Finance Agency, designed to offer lower rates than commercial loans or to be available even with lower credit. You must meet every condition in the table above; the final limit and rate depend on the review.
What to prepare before applying
- Proof of income (withholding receipt · income certificate)
- Resident registration and family relation certificates (to check household requirements)
- Proof of employment or business, credit score check
Related calculators
Compare your total repayment burden with other loans in the DSR calculator, and total interest by repayment method in the loan interest calculator.
This guide is based on 2026 disclosures and press releases; government loan terms change often with government announcements and fund operations. Always check the latest terms with the official agency before applying. This page doesn't broker loans.