The above criteria are based on the 1st credit rating. Therefore, if it is lower than that, the book will be higher than the applicable interest rate, so please refer to this section. Also, if you open a negative bank account, an additional 0.5% will be added.
The preferential rate can be up to 1.3%. As the base interest rate is currently high, it is advantageous not to receive it as much as possible. When interest rates were low, I couldn’t feel much difference in skipping this, but now the situation has changed a lot.
If you look at the preferential application, credit card 0.3%, direct debit 0.1%, savings deposit 0.1%, KB Star Banking 0.1% individual entrepreneurs receive 0.6% + 0.4% preferential treatment for salary transfers. 국민은행 대출상담
For branch preferential treatment, if KB Kookmin Card sales record is generated for more than 3 months & the payment account is KB Kookmin Bank affiliated store representative, when selecting a negative bank account, if the internal rating of Kookmin Bank is within grades 1 to 4, an additional 0.1% reduction is given.
The prepayment fee is 0.6%. It is charged for up to 3 years from the date of execution and operates in a sliding manner. Negative accounts are not applicable. 이베이스매뉴얼
Required documents
Identity card (resident registration card, driver’s license, passport issued in Korea, etc.)
Business registration certificate, employment contract, commission certificate, etc.
Documents confirming annual income such as proof of income amount (recent 2 years)
(if necessary) KB affiliated membership approval letter
(If necessary) Merchant credit sales statement (based on sales date)
Consultation requests can be made in person or through non-face-to-face channels such as internet banking and star banking. In order to receive the preferential interest rate, I think it would be more advantageous to visit a branch than the Internet.
Based on the first grade of credit rating, when the 7.12% interest rate is applied, the total interest to be repaid over one year is 3.56 million won.
It is interest when repayment of principal and interest over 5 years with the same amount. The monthly repayment amount is about 992,000 won, and the principal and interest are repaid together.
Among those who wish to consult Kookmin Bank business loans, if the current debt including housing collateral is more than 100 million won, the limit may not be calculated depending on income due to DSR regulations and may be rejected. Those who fall under this category or who need approval on the day of the consultation application. If you have been in business for less than 1 year, you can also refer to the previous article below.