예가람 저축은행 주부대출Loan limit | Minimum 3 million won ~ Maximum 4 million won
Loan period | 12 months ~ 60 months
Loan interest rate | 6.8% ~ 19.6% per annum (differentiated according to internal credit rating) * Loan interest rate = Base interest rate + Additional interest rate
Overdue interest rate | Overdue interest rate (overdue compensation rate) is applied by adding 3% per annum of the overdue additional interest rate to the agreed interest rate. However, it cannot exceed the maximum statutory interest rate.
Repayment method | Equal installment repayment of principal and interest – Equally divide and repay the principal and interest on the repayment date every month during the loan period
Interest imposition period | Monthly retroactive
Pre-loan repayment fee | Early repayment fee rate: 1.9% (only charged for up to 24 months)
(Early repayment fee calculation = Early repayment loan amount * Early repayment fee rate * (loan remaining days / loan period))
Other fees | None
Recognition fee burden | None
Documents to prepare | Copy of ID (taken with mobile phone), Resident registration copy (including past history), Proof of income (automatic submission is possible using a smartphone or PC with a joint certificate.)
– Loan eligibility is determined based on the savings bank’s screening criteria and customer credit rating.
– Please check the product description and terms and conditions before signing the contract.
– You have the right to receive sufficient prior explanation of the product, and please understand the explanation before making a transaction.
– Loan interest rates may change depending on changes in the base interest rate.
– If there is a change in personal information at the time of extension, part or all of the loan may be recovered. – If the repayment or interest payment of the loan is delayed, the default interest rate will be applied, and you may suffer financial disadvantages such as offsets with other receivables such as deposits or legal procedures.
– In case of default, you may be required to repay the principal and interest before the end of the contract period.
– Excessive borrowing may cause your personal credit score to decrease.
– Your credit rating or personal credit score may decrease when using a loan product.
– If your credit rating or personal credit score decreases, additional loans may be restricted, or you may experience disadvantages such as increased loan interest rates or reduced loan limits.
– For other details, please contact a counter staff member or call the main number (☏: 1877-7788) or be sure to refer to the product description.
– You have the right to receive sufficient prior explanations about the product, and please understand the explanations before making a transaction.
– The loan interest rate may change depending on the change in the base interest rate.
– If there is a change in your personal information at the time of extension, part or all of the loan may be recovered. – If the repayment of the loan or interest payment is delayed, the default interest rate will be applied, and you may suffer financial disadvantages such as offsets with other receivables such as deposits or legal procedures.
– In case of default, you may be required to repay the principal and interest before the end of the contract period.
– Excessive borrowing may cause your personal credit score to decrease.
– Your credit rating or personal credit score may decrease when using a loan product.
– If your credit rating or personal credit score decreases, additional loans may be restricted, or you may experience disadvantages such as increased loan interest rates or reduced loan limits.
– For other details, please contact a counter staff member or call the main number (☏: 1877-7788) or be sure to refer to the product description.
Yegaram Savings Bank Co., Ltd.
Representative Name | Noh Yong-hoon
Business Registration Number | 107-86-66267
Address | 50 Sejong-daero, Jung-gu, Seoul
Customer Center | 1877-7788
Savings Bank Central Association Sim Eui-pil | 2024-00624 (2024.05.24~2025.05.23)
Yegaram Savings Bank Compliance Supervisor Sim Eui-pil | No. 2024-225 (2024.10.01~2025.09.30)
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