하나저축은행 최저신용자 특례보증Hana Savings Bank announced on the 19th that it will sell the ‘Minor Credit Special Guarantee’ policy financial product for low-credit borrowers launched by the Financial Services Commission and the Korea Inclusive Finance Agency to prevent illegal private financial damage to low-credit borrowers.
Applicants for this product are low-credit borrowers who have difficulty using the existing policy financial product, Sunshine Loan 15, have a credit score in the bottom 10%, and have an annual income of 45 million won or less.
The loan limit is up to 10 million won, and the loan can be applied for from 3 to 6 years (including a 1-year grace period for interest-only payments) at an annual interest rate of 15.9%.
The initial interest rate is 15.9% per year, but if you repay normally, you can receive a 1.5% point to 3.0% point interest rate reduction every year, lowering it to 9.9% per year.
The initial loan limit is up to 5 million won, but if you repay the principal and interest normally for 6 months, you can receive an additional loan, making it more advantageous for faithful repayers. Applications can be made through the Small Business Finance Promotion Agency app or offline consultation at the Small Business Finance Integrated Support Center. After the Small Business Finance Promotion Agency issues a certificate of guarantee, loan applications and execution are possible through the Hana Savings Bank mobile app.
Jeong Min-sik, CEO of Hana Savings Bank, said, “By starting to sell special guarantee products for those with the lowest credit ratings, we have expanded the scope of support for small business finance and have become more faithful to our role as a small business finance institution,” and “We plan to continue to take the lead in supporting small business finance with various products and services.”
