The Sunshine Loan Card is a policy created for the low-credit and underprivileged people who had difficulty issuing credit cards because they were alienated from the financial sector. The Sunshine Loan Card, which was first launched on October 27, 2021, according to the “Measures to Reorganize the Financial Supply System for People” announced by the government on March 31, 2021, features the same benefits as credit cards, such as installments and points It has been created to enable healthy consumption. 삼성 햇살론카드
The purpose of introducing the Sunshine Loan card is to support the convenience of payment for the underprivileged class, where the issuance of credit cards is limited, and to support the use of installments in situations where it is difficult to make a lump-sum payment such as a large amount of hospital bills. It is meaningful to help the activity. 이베이스매뉴얼
Application target
To meet the purpose of the introduction, the Sunshine Loan Card is subject to three conditions: (1) people with low credit and (2) with certain repayment ability.
low credit
The first is the criterion of low credit. Credit evaluation will be satisfied if the personal credit score of either NICE (evaluation information) or KCB (all credit) credit rating company is 10% or less based on the “guarantee application date” when applying for the Sunshine Loan card. As of October 27, 2021, when the Sunshine Loan Card was released, the score of 10% or less of each credit rating company is KCB 655 points or NICE 724 points or less. do.
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constant repayment capacity
The second is a certain ability to repay. Sunshine Loan Card also evaluates the user’s “annual disposable income” as it is a billing method after prepayment, just like a general credit card. Annual disposable income refers to the income that an individual can earn for one year, excluding taxes, for actual consumption and savings.
As shown in the picture above, the annual disposable income calculation method is the amount calculated by subtracting the annual principal and interest repayment amount from the annual income amount as shown in the photo above. Here, (1) the annual income amount applies income data from public institutions such as the National Tax Service, and (2) the annual principal and interest repayment amount applies data from CB, a personal credit information company.
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