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* Revolving period: Period in which interest rate changes are applied
e-banking: ID, seal (signature possible)
Revolving period unit maturity lump sum payment (monthly compounding): Interest is paid upon maturity (after) or early termination request
* Revolving period unit interest payment: Only the principal is extended on the corresponding date of the revolving period every 3 months, and interest is paid separately
1. (Simple interest) If 10 million won is deposited for 3 months at 2.80% per annum, pre-tax interest is 23,333 won per month
2. (Compound interest) If 10 million won is deposited for 3 months at 2.80% per annum, pre-tax interest is 70,163 won at maturity
If seizure, attachment, or lien are registered on the account, payment of principal and interest is restricted
If more than 1 revolving period has passed from the new date and early termination is made
If a financial company violates the sales principles under the Financial Consumer Protection Act, the financial consumer may request termination of the contract within a certain period. The financial company must notify whether it accepts or rejects within 10 days, and if rejected, it must notify you with the reason for rejection.
A request for termination of an illegal contract is possible within 5 years from the date of receipt of the contract documents and within 1 year from the date of learning of the illegal fact (cannot be exercised upon termination of the contract)
※ For those who subscribed (automatic re-deposit) after 20.1.1, if they are subject to “comprehensive taxation of financial income at least once in the previous 3 years of taxation (annual total amount of financial income exceeds 20 million won)”, they will be excluded from the subscription target through subsequent verification, and may be converted to general taxation according to the procedures stipulated in the relevant laws and regulations.
※ If the relevant tax laws are revised, the tax rate may change or taxes may be imposed.
※ Interest after the expiration date of the contract period is taxed.
Hanwha Savings Bank Compliance Supervisor Deliberation No. 2024-80 (2024.08.13~2025.08.12)
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