청년 및 중소기업을 위한 정부 지원 프로그램

정부 지원 프로그램은 주택 개조, 사업 운영 및 고용을 위한 재정 지원을 제공하여 개인과 기업에 혜택을 제공합니다.

### 창업가 및 청년을 위한 정부 지원 프로그램 종합 가이드
* 🏡 농촌 주택 개조 프로젝트는 **50년 이상 된 주택에 대해 2% 낮은 이자율**로 자금을 지원하며 **취득세 및 측량 수수료 감면** 등의 추가 혜택도 제공합니다.
* 💼 청년 디지털 일자리 창출 프로젝트는 **코로나19가 한창일 때 직원 3명의 월 급여의 90%**를 지원했고, 청년 일자리 도약 펀드는 **직원 1인당 월 60만 원**을 계속 지원하고 있습니다.
* 🚀 예비창업패키지는 **예비창업자에게 최대 1억원**을 지원하고, 청년창업사관학교는 **초보 창업자를 위한 맞춤형 지원과 교육**을 제공하며 **총 사업비의 최대 70%**를 부담합니다.
* 🌾 농어촌진흥기금은 3개월 이상 거주자에게 **최대 1억 원 한도로 0.5%의 저금리 대출**을 제공하지만, 지원 금액이 제한적이며 모든 리모델링 비용을 충당하지 못할 수도 있다는 점에 유의해야 합니다.
* 👩 청년고용장려금은 **만 15세 이상 34세 이하 청년을 고용한 기업에게 월 최대 60만 원, 1인당 최대 1200만 원**을 지원합니다.
* 📊 소상공인 정책자금은 업력 7년 미만의 소상공인 청년 대표자 또는 종사자에게 **2% 금리로 최대 3천만 원까지 자금을 지원**합니다.
* 💰 청년 특화 창업자금은 **창업 3년 이내의 만 39세 이하 예비 창업자 및 사업자**를 대상으로 **최대 1억원을 2.5%의 고정금리**로 지원합니다.
* 🏦 신용보증기금은 **창업기업(최대 1억원, 2.5% 이자)**과 **업력 3년 이상 기업을 위한 성장기반자금(최대 3억원, 2.5% 이자)**을 지원하고 있습니다.
* 🏠 주택을 구입하려는 청년을 위한 **청년 주택청약종합저축(최대 연 4.5% 금리)**, **청년 주택청약드림론(최저 금리 2.2%)** 등의 프로그램이 있습니다.
* 💸 기타 지원 프로그램으로는 **청년 내일채움공제, 청년내일채움공제, 빈 일자리 취업 장려금** 등이 있으며, 각각 구체적인 자격 기준과 혜택이 있습니다.

I am a four-person household. Through the rural housing renovation project for old houses over 50 years old, I was able to receive funding at a 2% lower interest rate, as well as a reduction in acquisition tax and survey fees. I could renovate my house without financial burden through the Rural Intelligence Fund at a really low interest rate of 0.5%. Also, a few years ago when COVID-19 was at its peak, I was able to operate my company with support from the Youth Digital Job Creation Project, receiving 90% of the monthly salaries of three employees. Since last year, through the Youth Job Leap Fund, I have been receiving a monthly support of 600,000 won per employee. Doing the same work, running the same business, there is a huge difference between receiving help from the government and not receiving it. By receiving support from the government, it becomes much easier to continue the challenges and businesses I want to pursue.

I will now organize and share all the government support projects that I have received while actually running a business or that I am currently preparing for. Also, there are many things I want to do besides running a business like me, but due to lack of money, I will talk about five youth support systems that young people with financial difficulties should definitely know. I will also talk about how to obtain information on various government support projects that I will be discussing, as well as eight youth support policy sites that I am actually utilizing. So please make sure to watch the video until the end. If you receive support from at least one of these, you can benefit from hundreds of thousands of won to millions of won. This will actually benefit various people around you, from employees to acquaintances and friends, through various information support systems that I will now introduce.

Most people are not aware and thus missing out on benefits, so I will now talk about various information support programs. Please check if you qualify for them yourself as I believe it will make the video much more informative. Let's start right away. The first one is the pre-startup package. It supports prospective entrepreneurs with up to 100 million won to help develop startup ideas. When you hear startup ideas, it may sound grand, but it's not at all. Back in my undergraduate days, with just a simple idea and a business plan, I received startup funding. At that time, I received support for office space and prototype production costs, even though the startup ultimately failed. While it was indeed a failure, the experiences I gained back then have been a great help in various businesses I am currently running. I constantly think and plan in my head.

If there is something you want to challenge, don't just think about it, don't hesitate, and give it a try. If you don't do anything, nothing will happen, right? Also, there used to be an age limit for this pre-startup package, but starting this year, the age limit has been abolished, so anyone can apply regardless of age. Please refer to the startup website for applications. Secondly, there is the Youth Startup Academy. True to its name, you can receive tailored support and education for startup beginners. You can receive support for up to 70% of the total project cost, up to 1 billion won for a year. This includes material costs, prototype production costs, labor costs, marketing costs, and all other necessary auxiliary costs for the business, so you can really make good use of it. As I mentioned, the benefits are so good that the competition rate based on last year was about 15 to 1, which can be considered somewhat high, but it's also 25 to 1.

There are a lot of licenses, and just by supporting, without submitting any documents, there are licenses in any case. Also, since there are a lot of licenses in this area, there is no need to think that I won't make it because the competition rate is high. I hope you don't hesitate and challenge yourself. Next is the Rural Intelligence Fund. You must reside in the jurisdiction for more than 3 months, and the limit is up to 100 million won. The interest rate is an incredibly low 0.5%, not just 5%. Depending on the type of business, the limit varies. In the case of the rural homestay business I received support for, the limit was about 20 million won. Although the support limit is relatively lower compared to other businesses, it is still very useful. It can reduce the burden when remodeling a house, adding new facilities, or carrying out new construction.

I think it can be utilized very effectively. At this time, applications for this rural intelligence fund are only accepted in person. Based on experience, the rural intelligence fund is undoubtedly useful, but as someone who is renovating an old house, I also want to point out that there are some limitations to relying on this rural intelligence fund. Because when it comes to the costs involved in remodeling, it doesn't provide support in percentages like 90% or 70%, but rather sets a fixed amount limit like 10 million won, 20 million won, or 30 million won. Generally, the rural intelligence fund covers only a portion of the actual necessary remodeling or reconstruction costs, which is less than half based on experience. Although the interest rate is low, the limit is not high. Therefore, it is not advisable to rely solely on this rural intelligence fund when carrying out this remodeling.

Because it exists, I would like to point out that it is somewhat unrealistic to think that remodeling can be done without my money. Next is the encouragement fund for youth employment. When employing youths aged 15 to 34, you can receive support of up to 600,000 won per month for a year, with a maximum support of up to 12 million won per person. It is a national project where age is not the only factor considered. The conditions for youth employment are that the individual must have been unemployed for at least 6 months from the date of employment. There are also exceptions to this. For youths such as high school graduates, those with less than a high school education, and self-employed individuals, support is available even if the unemployment period is less than 6 months. I received a lot of encouragement funds and applied for them a lot. After receiving the encouragement funds for several years, I now realize that I made the hiring process very easy in order to receive the support.

There was a bias because I thought there would be no loss since I received financial support. However, in the end, I felt that working with a team member whose direction did not align with the company's was highly inefficient from the company's perspective and would result in long-term losses. Also, working with a team member who does not share the same goals, you never know when they might quit, which is a risk itself. It's obvious, but when hiring, the most crucial thing is whether the company's direction aligns with the team members. It's not about whether they are eligible for employment, whether they have been unemployed for more than six months or not. Actually, if these become the top priorities, it's strange. And I believe that a company that prioritizes such conditions in hiring will never succeed. So, in conclusion,

Employment for subsidies may be beneficial in the short term, but it can be a clear loss in the long term. Next is the policy fund for small business owners. For young representatives or young employees of small businesses with less than 3 years of experience, a policy that supports funding up to 7 million won with a loan interest rate of 2% is provided. It is fixed at 2%, and when the budget is depleted, the application process ends early. Therefore, many people apply as soon as the announcement is made. Please remember this point. Also, note that emergency operating safety funds can be applied for at any time. Next is the youth-specific startup fund. It is a support program that aims to activate the establishment of small and venture companies with business viability but insufficient funds, promoting job creation. It supports aspiring entrepreneurs and business owners aged 0 to 39 within 3 years of startup. In the case of businesses that require a large sum of money, through this youth-specific startup fund, low

You can continue your business with a low fixed interest rate. The loan limit is up to 100 million KRW, and the interest rate is a fixed rate of 2.5%. This can be considered a really good support business. The representative must be under 39 years old and have less than 3 years of experience. You can apply through the Small Business Venture Support Corporation. Next, at the Credit Guarantee Fund, there are mainly two types of support. The first one is for startup companies, supporting prospective entrepreneurs or those with less than 3 years of experience. It can be used for rent, interior costs, equipment purchases, operating funds, etc. The limit is 100 million KRW, and the interest rate is 2.5% per year. Since the funds are provided by funds, not banks, the limit is much higher and the interest rate is much lower compared to personal credit loans. The second one is growth-based funds, specifically for more than 3 years of growth.

It is a system that companies can apply for, and it can be used for business expansion, marketing, and hiring personnel. The limit is 300 million won, and the interest rate is 2.5%. The period is 7 years, and it is an equal principal repayment method. So far, I have talked about various government support programs that could be helpful for those running a business. Now, let me also talk about youth support programs that would be useful for young people who want to do many things but lack money. The first one is the Youth Housing Savings Account, with a maximum annual interest rate of 4.5%. The target beneficiaries are young people aged 19 to 34. The conditions for joining are being a first-time homebuyer and having an annual income of less than 50 million won. The monthly payment limit is 1 million won, and 40% of the amount paid is eligible for income tax deduction, which is quite beneficial. There is one thing to note, and that is,

I am involved in various space businesses using real estate. Therefore, I am not a non-homeowner. So, the system I mentioned earlier does not apply to me. I also have various savings for long-term asset distribution and risk management perspectives. For those who run businesses, adjusting the ratio well and utilizing stable savings effectively could be beneficial. This is my personal opinion. Next, there is a youth housing dream loan available at a minimum interest rate of 2.2%. The support is available for those who have held a youth housing dream subscription account for over a year. The subscription conditions are as follows: under 39 years old, unmarried, with an annual income of less than 70 million won for singles, or a combined income of less than 100 million won for married couples. If eligible, you can get a loan of up to 80% of the housing price, which should be below 600 million won, and the floor area should be up to 85 square meters. Next is the Youth Tomorrow Savings Account.

In some cases, you can receive 300,000 won per month, and in other cases, you can receive 100,000 won per month. For the first case of receiving 300,000 won per month, your income must be below 50% of the median income, and in this way, support of up to a maximum of 14.4 million won is possible. The second case is a system where you receive 100,000 won per month, and the income limit is 100% of the median income. When you receive support in this way, you can receive up to a maximum of 7.2 million won. The target recipients are young people aged 19 to 34, and the conditions for eligibility are that the monthly income from work must be between 500,000 won and 2.2 million won. There are also asset conditions for households: in metropolitan areas, the limit is 350 million won, in small cities, it is 200 million won, and in rural areas, you must have assets of 170 million won or less to be eligible. Next is the Youth Leap Account. By utilizing the Youth Leap Account, you can save up to a maximum of 50 million won. The target recipients are young people aged 19 to 34, and the eligibility requirement is that individual annual income must be 60 million won or less. At this time, the monthly payment is.

You can receive up to 700,000 won, and the period is five years. A really good point is that there is a tax-free benefit. Next, there is an encouragement grant for vacant job employment. In simple terms, it is a system that provides 2 million won for 6 months. If you succeed in getting a job, you will receive 1 million won after 3 months and another 1 million won after 6 months. If you are eligible, there is no reason not to apply. So far, I have talked about various government support systems that can clearly alleviate the burden of money while embarking on new challenges. I will also explain where and how to obtain these government support systems. Yes, you can get them from places like this. Lastly, as I have explored various government support programs and received support, if there is something I want to mention, it is that short-term employment for receiving support funds.

From a short-term perspective, it may seem beneficial, but from a long-term perspective, it is clearly a loss. It is best to utilize it as a means to support the goal I want to achieve. If all these things can be even a little help in your challenges, I would be grateful. Then, I will see you in the next video. Thank you.

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기업 및 청소년을 위한 정부 지원 프로그램

농촌 주택 개보수 프로젝트는 2%의 낮은 이자율과 취득세 감면 혜택을 제공합니다.

5% 저금리의 농촌진흥기금과 코로나19 기간 동안 직원 급여의 90%를 지원한 청년 디지털 일자리 창출 프로젝트가 있습니다.

예비 창업 패키지는 사무 공간 및 시제품 제작 자금 등 예비 창업자의 창업 아이디어 개발을 지원하기 위해 최대 1억원을 지원합니다.

한국의 스타트업 및 혁신 프로젝트를 위한 기회

국내 예비창업패키지의 연령 제한이 폐지되어 누구나 지원할 수 있게 되었습니다.

청년창업사관학교는 총 사업비의 최대 70%까지 지원하는 등 폭넓은 지원을 제공하고 있어 경쟁률이 높습니다.

한국의 농어촌진흥기금은 최대 1억원까지 저리로 대출을 받을 수 있지만, 리모델링 또는 재건축 비용의 일부만 지원되고 지원 한도가 상대적으로 낮다는 한계가 있습니다.

청년 고용 및 중소기업을 위한 정부 지원 프로그램

재정적 지원 없이는 리모델링은 현실적으로 불가능할 수 있습니다.

청년고용장려금은 6개월 이상 미취업 상태라는 조건으로 1년간 월 최대 60만 원을 지원합니다.

하지만 회사의 방향성보다 이러한 조건에 우선순위를 두면 장기적으로 손해를 볼 수 있습니다.

소상공인을 위한 정책자금은 대출금리 2% 고정으로 최대 7억 원까지 지원하지만 예산 소진 시 신청이 조기 종료되며, 청년 특화 창업자금은 창업 3년 이내 만 39세 이하 청년 창업자를 대상으로 합니다.

비즈니스 및 주거를 위한 정부 및 청년 지원 프로그램

중소벤처기업진흥공단을 통해 최대 1억 원까지 저리의 고정금리 대출을 받을 수 있으며, 대표자의 자격 요건을 충족해야 합니다.

신용보증기금은 창업기업 및 성장기반자금 지원을 통해 개인 신용대출에 비해 높은 한도와 낮은 금리를 제공합니다.

청년 주택청약종합저축과 청년 주택청약드림론은 주택 구입자 지원 및 소득 공제 혜택을 목적으로 연령 및 소득 기준에 따라 청년층에게 유리한 상품을 제공합니다.

대한민국 청년을 위한 정부 지원 제도

대한민국 만 19세에서 34세 청년은 소득 수준에 따라 중위소득 50% 이하인 경우 최대 1,440만 원, 중위소득 100% 이하인 경우 720만 원까지 지원받을 수 있습니다.

청년도약통장은 월 최대 70만 원 납입으로 최대 5천만 원까지 저축할 수 있는 기회를 제공하며, 대상자에게는 비과세 혜택이 제공됩니다.

또한, 6개월간 200만 원을 지원하는 구직활동 장려금과 취업 시 100만 원을 추가로 지급하는 취업 장려금도 있습니다.