Hana Capital operates three types of customer centers: a customer center for face-to-face consultations through visits, a customer center for phone consultations through a wired connection, and a customer center for ‘1:1 inquiry’ service support through the website.
Inquiries through the website can be made after verifying your identity through mobile phone authentication, i-PIN authentication, or logging in. (Mobile phone authentication is only possible if the name is yours.)
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Hana Capital Customer Center phone number/consultation hours
Hana Capital’s telephone consultation customer center phone number is 1800-1110, and business hours are from 09:00 to 18:00 on weekdays.
For inquiries related to credit loans, we operate a separate customer center that can be reached at 1599-7942. Consultation hours are the same from 9 am to 6 pm.
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Q&A on using Hana Capital
▶ Differences between new car installment and new car lease
New car installment (auto loan) refers to a loan product in which you take out a loan for the purpose of purchasing a vehicle, and pay the principal and interest, including principal and interest, at regular intervals every month for a certain period of time.
On the other hand, what is new car lease (auto lease)? This is a product in which a leasing company purchases a vehicle and then rents it to the customer for a certain period of time, and the customer pays a certain lease fee during the lease period.
New car-installment-lease-difference-comparison
▶ How do I repay the loan in full or in part?
In the case of an installment (loan) transaction, you can repay the loan in part or in a lump sum at any time. However, in case of early repayment, the amount can only be deposited into a virtual account after confirming the amount through the customer center (1800-1110).
For partial repayment processing, the principal is repaid with the remaining amount after payment of accrued interest up to the deposit date (interest in the number of days elapsed from the day after the previous interest payment date to the date of repayment of the loan) and early repayment fee.
Repayment of the loan in full or in part
▶ Concept of early repayment fee incurred during early repayment
In general, in the case of installment transactions or lease transactions, an equal repayment method of principal and interest is often adopted, in which the sum of the principal and interest is paid every month during the contract period. However, in case of early repayment during the contract period, the lender is required to repay the principal according to the contractual schedule. There will be a loss in interest income.
Therefore, as stipulated in the initial contract, a certain percentage (%) of the principal to be repaid is charged as a prepayment fee, and the prepayment fee is determined for each product depending on the characteristics of the financial product.
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▶ Can I take over the vehicle when the rental car contract expires?
If you select ‘maturity acquisition type’ or ‘maturity selection type’ as the processing method when the rental car contract ends, you can take over the vehicle in the customer’s name after paying the residual value at the end of the contract.
However, LPG vehicles can be purchased after a 5-year lease.