How much of the interest the city actually pays, bank by bank. These are loans to SMEs and small businesses — not personal lending.
| 은행 · 실행 건수 | 실부담(평균) |
|---|
This panel is the odd one out. The three above are values for this moment; this one pools every loan made in the last three months and updates only when the city republishes the file. Sharing a screen does not make it contemporaneous — which is the whole point of this page.
A policy loan is two numbers, not one. The bank sets a rate; the city pays part of the interest. The city’s own material confirms that this fund carries a variable rate and that the 2026 programme is worth 2.02 trillion won. What each bank actually averaged on loans it really made is in this file and almost nowhere else.
⚠️ “Effective” is our subtraction, not a published field: average loan rate minus average subsidy. The subsidy normally runs for a set period, so it may not hold for the whole term.
⚠️ Read the loan count before the rate. When we measured this, the banks with the lowest and the highest effective rates both had a sample of one. Compare only the banks with enough loans behind them, and the spread turns out to be far narrower than it first looks.
What stands between a small business and this money is set out in the first gate in front of small-business policy loans.
| Number | How often it changes | Lag before you see it |
|---|---|---|
| Seoul policy-loan rates by bank | Irregular (on update) | Not a moment — a rolling three months |
| Number | Issuing body | Licence |
|---|---|---|
| Seoul policy-loan rates | Seoul Open Data Plaza / Seoul Credit Guarantee Foundation | Attribution |
What happens when a number does not appear is on the live data page.