BNK저축은행 마이론 대출Credit Loan
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The average interest rate changes depending on your credit score
Average interest rate
13.91%
Maximum limit
150 million won
75th place
Loan interest rate
Minimum 10.51% per year ~ Maximum 19.99% per year (fixed interest rate, applied as base rate + additional interest rate) – Base rate: Basic financing rate – Additional interest rate: Applied differently depending on customer credit rating, etc.
Preferential interest rate
None
Loan limit
Maximum 150 million won
Loan period
Within 12 months to 60 months (in 12-month units)
Interest rate type
Fixed interest rate
Loan repayment method
Equal principal and interest repayment method
Application method
Mobile app
Overdue interest rate
Agreement rate + 3% per year (within 20% of the maximum legal interest rate)
Interest imposition period
Monthly post-payment
Premature repayment fee
Up to 1.6% / Calculation: Early repayment loan amount * Early repayment fee rate * (loan remaining days / loan period) / Exemption conditions: Exempted after 3 years from handling
Application conditions
A salaryman aged 19 or older and employed for more than 6 months (credit score: KCB 475 or higher, NICE 531 or higher)
Required documents
ID
Ancillary expenses
Stamp tax: According to the Stamp Tax Act, there is no income recognition fee for loans up to 50 million won, and it is differentially imposed according to the loan amount when it exceeds 50 million won. The customer and savings bank each bear 50% of the income recognition fee. Note
The loan is determined based on the savings bank’s screening criteria and customer credit rating. The loan interest rate may change depending on the change in the base interest rate. If there is a change in personal information at the time of extension, part or all of the loan may be recovered. If the repayment or interest payment of the loan is delayed, the overdue interest rate will be applied, and you may suffer financial disadvantages such as offsets with other claims such as deposits or legal procedures. A decrease in your personal credit score may result in restrictions or disadvantages in financial transactions. In case of a delay, you may be required to repay the principal and interest before the end of the contract period. Excessive lending may cause a decrease in your personal credit score. Please check the product description and terms and conditions before signing the contract. You have the right to receive a sufficient prior explanation of the product, and please understand the explanation before making a transaction. For other details, please contact the BNK Savings Bank Call Center (1688-7009) or be sure to refer to the product description.
