키위뱅크 신용대출Credit Loan
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The average interest rate changes depending on your credit score
Average interest rate
12.95%
Maximum limit
100 million won
68th
Loan interest rate
• Minimum 6.9% per year ~ Maximum 19.9% per year
• Calculation standard: Base interest rate (cost of funds, etc.) + additional interest rate (differentially applied depending on customer credit rating, etc.)
Loan limit
• Minimum 3 million won ~ Maximum 100 million won
Loan period
• Lump sum repayment method on maturity: 1 year (extensible up to 5 years)• Equal principal and interest installment repayment method: Minimum 6 months ~ Maximum 84 months
Interest rate type
• Fixed interest rate
Loan repayment method
• Lump sum repayment method on maturity• Equal principal and interest installment repayment method
Overdue interest rate
• Contracted loan interest rate + overdue additional interest rate (3%) ※ Overdue interest rate ceiling: Within 20% per year
Interest imposition period
• Monthly post-payment
Premature repayment fee
• Early repayment fee: Early repayment loan amount X Early repayment fee rate (2.0%) X Number of remaining loan days/Loan agreement period (However, the early repayment fee is applied when repaying within 3 years from the loan date, and is exempted if the remaining loan period is less than 1 month)
Application conditions
• Employed person with at least 3 months of employment, annual income of at least 12 million won, and owning a house in his/her own name• Foreigner aged 20 or older who can prove income• Customer with KCB personal credit score of 475 or higher
Required documents
• Identification card, joint certificate or simple certificate (KB Kookmin Certificate, Kakao, etc.) – Employee: National Health Insurance Corporation qualification acquisition/loss confirmation, insurance premium payment confirmation* Automatic submission via joint certificate
Ancillary expenses
Copyright tax
• Copyright tax is incurred when the loan amount exceeds 50 million won (customer and savings bank each bear 50%)
Guarantee
• None
Notes
• The contents of the product information may change according to the bank’s credit and interest rate policies. • Excessive lending can cause a decrease in your personal credit score. • If your personal credit score decreases, financial transactions may be restricted, such as inability to obtain additional loans or extend the term, or you may incur disadvantages, such as increased loan interest rates. • This loan is a credit loan product that calculates the limit based on the customer’s credit rating and income, so the limit may not be calculated simply based on the fact that you own a house. • In case of delinquency, you may be required to repay the principal and interest before the end of the contract period. • If your credit rating or personal credit score is low according to our credit evaluation results, or if you are a customer subject to credit management (including credit recovery support or personal rehabilitation), your loan may be restricted. • If the loan maturity date has passed or you are late for 1 month (2 months in the case of household housing mortgage loans) from the time interest should be paid, or if you are late in paying the installment repayment principal (interest) twice (3 times in the case of household housing mortgage loans) or more consecutively, a delinquent interest will be charged on the loan balance. • Right to demand interest rate reduction: If your credit status is lower than when the loan contract was signed, you may be subject to a delinquent interest rate reduction. If there is a significant improvement (increase in credit rating or personal credit score, increase in annual income), you can request a reduction in interest rate by submitting supporting documents to the financial institution regardless of the number of applications or the time of application. However, if the customer’s credit status does not affect the interest rate calculation at the time of signing the contract, or if the improvement in credit status is minor and does not affect the recalculation of the interest rate, the interest rate may not be reduced depending on other review results.• Right to cancel a contract: General financial consumers may cancel a contract within 14 days from the date of signing the contract, etc.• Right to request access to data: Financial consumers may request to view ‘data on the conclusion and performance of contracts, data on financial products, etc.’ recorded, maintained, and managed by the bank for the purpose of redressing their rights, such as dispute resolution or litigation.• Right to terminate an illegal contract: You may request termination of the contract for this product in accordance with Article 47 of the Financial Consumer Protection Act and related regulations.• If you select the lump sum repayment method upon maturity, the loan contract period is 1 year and can be extended up to 5 years. If your extension request is rejected based on the extension review results, you must repay the entire loan balance and interest. • Please check the product description and terms and conditions before signing the contract. • You have the right to receive a sufficient explanation of the product in advance, and please make a transaction after understanding the explanation. • For other details, please contact the loan-only customer center (☎1899-0085, Business hours: Weekdays 09:00-18:00) or refer to the kiwibank app and KB Savings Bank homepage.
