다올저축은행 FI신용대출 조건※ This consent form is a summary consent form and you can receive a detailed consent form upon request. Would you like to request it?
※ This consent form is a summary consent form and you can receive a detailed consent form upon request. Would you like to request it?
※ If you agree, you can view and handle the results of low-interest policy products, and the credit information inquiry does not affect your personal credit score.
※ This consent form is a summary consent form and you can request a detailed consent form by clicking the category below.
※ This consent form is a summary consent form and you can receive a detailed consent form upon request. Would you like to request it?
※ This consent form is a summary consent form and you can receive a detailed consent form upon request. Would you like to request it?
If the savings bank’s review results for your loan application are not approved, would you like to be notified of the reason? ※ However, if the loan is rejected due to reasons other than credit information (delinquency, default, personal rehabilitation, personal bankruptcy, etc.) as stipulated in the ‘Act on the Use and Protection of Credit Information’, the savings bank may not notify the reason for the loan rejection.
What is the public support system?
Before concluding the loan contract with your savings bank, I received a guide to the public support system for college students and young adults from your savings bank, received a sufficient explanation about it, and was informed about interest rate comparison websites such as FINE, but I would like to conclude the loan contract with your savings bank based on my own judgment.
If you have confirmed the loan conditions for a new loan (including renewal/extension) and requested a reduction in interest rate, would you like to receive the “Loan Interest Rate Calculation Details” by email so that you can check the loan interest rate calculated using your changed information?
※ In the case of policy fund loan products such as Haetsal Loan and Saitdol that do not calculate interest rates according to our bank’s internal “Loan Interest Rate Calculation and Operation Guidelines”, the loan interest rate calculation details are not provided. Please write the following in your own handwriting and sign (or stamp).
This confirmation will be used as basic data to recommend the most suitable loan contract to the borrower by understanding your age, financial status, and purpose of the loan contract in accordance with Article 17 (Suitability Principle) and Article 18 (Appropriateness Principle) of the Act on the Protection of Financial Consumers.
If you provide false or insincere answers, you may be recommended an inappropriate loan contract, and all damages resulting from this will be borne by the borrower, so please keep this in mind.
Please answer each question truthfully below.
※ Professional financial consumers refer to “governmental organizations, the Bank of Korea, financial institutions, corporations with 5 or more regular employees, loan recruiters, etc.”
Notice
Please agree to the important matters first.
Notice
Please agree to the cautionary matters.
Close
Guidance on important financial products
Selected
We will provide you with important information on financial products stipulated in Article 19, Paragraph 1 of the Financial Consumer Protection Act.
Representative number 1600-1482
What is my loan limit?
Step 1 (Korea Student Aid Foundation)
[Tuition, living expenses loan] University (graduate) students 2.2% (fixed/floating interest rate), living expenses loan up to 1.5 million won per semester
Step 2 (University students/youth Sunshine Loan)
[Living expenses loan] Korea Small Business Finance Promotion Agency
[Rental deposit loan] Korea Small Business Finance Promotion Agency
※ This content is based on ‘19.7.29, and public support qualification requirements, details, etc. may change by institution.
According to the Resident Registration Act revised on September 25, 2006, anyone who steals or misuses another person’s resident registration number may be subject to imprisonment for up to 3 years or a fine of up to 10 million won. Be sure to use your real name and resident registration number.
Initialization
1 million won
Loan interest calculation result
Loan principal 100,000 won
Loan period 12 months
Interest rate 2.3%
Repayment method 230,000 won
Total interest amount 230,000 won
One thousand four hundred and eighty-eight thousand eight hundred and eighty won
Monthly repayment amount 10,000,000 won
The repayment (interest) amount may vary depending on the product, so please use this calculation result for reference only. This calculated interest is calculated on a monthly basis, and the actual loan interest is calculated on a daily basis, so there may be slight differences.
Repay the loan principal in a fixed amount during the loan period. Since interest is calculated from the reduced principal, the payment amount per installment continues to decrease.
Combine the total interest and principal until the loan maturity date and divide by the loan period to repay. The payment amount per installment is fixed each time.
Pay only interest during the loan period and repay the loan principal in a lump sum on the maturity date.
Loading.
