하나저축은행 사잇돌2Credit Loan
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The average interest rate changes depending on your credit score
Average interest rate
14.19%
Maximum limit
30 million won
89th
Main features
Policy finance credit loan provided by savings banks for mid-credit borrowers with credit scores of 6 to 7
Loan interest rate
•Applicable interest rate: Minimum 8.9% per annum ~ Maximum 19.99% per annum (differentiated by personal credit score)•Loan interest rate = Base rate + Additional interest rate (3-month floating rate)① Base rate: Interest rate calculated by reflecting the cost of funding for our regular deposits, etc.② Additional interest rate: Applied differently depending on customer credit score, etc.
Loan limit
Minimum 1 million won ~ Maximum 30 million won (However, within the amount approved by Seoul Guarantee Insurance)
Loan period
1 year ~ 5 years (Loan period can be handled in units of years)
Interest rate type
Variable interest rate
Loan repayment method
Equal principal installment repayment
Application method
Mobile web, mobile app, PC Web
Default Interest Rate
Loan Agreement Interest Rate + 3.0% (Up to 19.99% per annum)
Interest Imposition Period
Monthly Post-payment (Loan Execution Due Date)
Premature Repayment Fee
None
Application Conditions
•Salary Income Earners: Employed for 5 months or more as of the date of guarantee application with an annual income of 12 million won or more (19 years of age or older)•Business Income Earners: Business Income Earners for 4 months or more as of the date of guarantee application with an annual income of 6 million won or more (19 years of age or older)•Pension Income Earners: Recipients of pension income at least once as of the date of guarantee application with an annual pension income of 6 million won or more (19 years of age or older)•NICE Credit Score 355 points or higher•Exclusions: Insolvent, defaulters of financial obligations, those undergoing bankruptcy procedures, those involved in personal rehabilitation and guarantee accidents, etc.
Ancillary Expenses
•Guarantee Fee: None •Cognitive Deposit: None (50 million won) Below)•Handling fee: Not applicable
Notes
•Right to request interest rate reduction: If your repayment ability has changed due to an increase in your credit rating or personal credit score after the loan execution date, you may request an interest rate reduction. (However, the interest rate reduction may be rejected depending on the evaluation results.)•Right to cancel a subscription: You may cancel your subscription to a loan contract within 14 days from the loan execution date (by the next business day if the last day of the period is a holiday). (However, you must return any money, goods, interest, and fees already supplied.)•Right to cancel an illegal contract: If you have violated the suitability principle, appropriateness principle, and duty of explanation as stipulated in the 「Financial Consumer Protection Act」, or have entered into a loan contract by engaging in unfair business practices or unfair solicitation, you may request the termination of the contract within 1 year (must be within 5 years from the contract execution date) from the ‘date on which you learned of the violation of the law.’•Right to request access to information: Financial consumers have the right to You may request to view the data from the savings bank for the purpose of redressing your rights, such as dispute resolution or litigation, in accordance with Article 36 of the Financial Consumer Protection Act. •Please check the product description and terms and conditions before entering into a contract. •You have the right to receive a sufficient prior explanation of the relevant product. Please make a transaction after fully understanding the explanation. • Additional documents may be requested depending on the loan screening results. • The loan decision is made based on the savings bank’s screening criteria and the customer’s credit score, and the interest rate and limit may vary. • The loan interest rate may be applied differently depending on the customer’s credit score, and loans may be restricted. • When using a loan product, the customer’s personal credit score may decrease. • A decrease in the personal credit score may result in restrictions or disadvantages in financial transactions. • Excessive borrowing may cause a decrease in the personal credit score. • If the loan interest or principal is late, it may be detrimental to your credit. • In case of late payment, you may be liable to repay the principal and interest before the end of the contract period. • For more information, please refer to the Hana Savings Bank website or contact the customer center (1600-9888). • The above information is the same as the product disclosure section on the Hana Savings Bank website.
