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Target age: 19 years old or older ~ 55 years old or younger
Office workers, self-employed, freelancers who can prove their income
NICE credit score of 515 points or higher
Exclusions: Defaulters, excessive debtors, delinquent loan holders, those who have not completed military service (only applies to men)
Calculation criteria
Loan interest rate = Base rate + Additional rate
Base rate = Loan funding cost (=Procurement cost), average interest rate of our bank calculated every half year
Additional rate = Legal cost + Business cost + Credit cost + Capital cost + Target profit + Adjusted rate
Up to 5 months: Agree rate + 0%
Over 5 months ~ 6 months: Agree rate + 0.1%
Over 6 months: Agree rate + 0.2%
Up to 19.9%
Loan interest rate is applied differentially according to the customer’s credit rating, and loans may be restricted depending on the customer’s credit rating. If the repayment of the loan or interest payment is delayed, the overdue interest rate will be applied, and you may suffer disadvantages in refinancing due to offsets with other claims such as deposits or legal procedures.
General financial consumers may withdraw their subscription to the contract within 14 days from the date of contract conclusion, the date of receipt of the contract documents, or the date of receipt of the loan. (However, cancellation is not possible after the right of withdrawal has been exercised and has become effective.)
To withdraw the subscription, you must express your intention to withdraw the subscription to the savings bank through a branch, internet banking, smart banking, etc., and return the loan already received and its interest, stamp duty paid by the savings bank to a third party in relation to the loan, and the cost of establishing a mortgage, etc.
If you exercise the right to withdraw from the loan contract, the early repayment fee will be waived, and the loan information related to the loan will be deleted within 5 business days. If you abuse your right to cancel a loan contract and cancel a loan contract with the relevant savings bank more than twice within the past month, you may face disadvantages such as rejection of new loans or extensions, reduction of loan limits, and restrictions on preferential interest rates. If a financial company enters into a loan contract in violation of the following obligations under the Financial Consumer Protection Act, the financial consumer may cancel the contract without imposing penalties or other fees. In the event of a recommendation to enter into a loan contract that is deemed inappropriate (violation of Article 17, Paragraph 3 of the Act)
In the event of failure to inform or obtain confirmation of the fact that the loan product is inappropriate (violation of Article 18, Paragraph 2 of the Act)
In the event of failure to fulfill the duty of explanation (violation of Article 19, Paragraphs 1 and 3 of the Act)
In the event of an unfair business practice (violation of Article 20, Paragraph 1 of the Act)
In the event of an unfair solicitation practice (violation of Article 21 of the Act)
In order to exercise the right to terminate an illegal contract, a financial consumer must request termination of the contract by attaching documents proving the violation to the contract termination request form within one year from the date of learning of the violation and within five years from the date of contract conclusion (by mail, e-mail, text message, etc.). The right to request a reduction in interest rates refers to the right (Article 14-2 of the Savings Bank Act) that allows financial consumers to request a reduction in the interest rate applied to them from a savings bank when they believe their credit status has improved (e.g., employment, promotion, increase in assets, increase in personal credit score, normal transactions without delinquency for more than 1 year, etc.).
The right to request a reduction in interest rates can be applied for by visiting a branch or through non-face-to-face channels (Internet banking, mobile banking, call center, etc.) (there is no limit on the time or number of applications), and the savings bank may request that a customer requesting a reduction in interest rates submit documents necessary to verify the improvement in credit status.
If a customer requests a reduction in interest rates for a product where the improvement in credit status is minor or credit status does not affect the interest rate, the customer’s request for a reduction in interest rates may not be accepted.
The savings bank will notify the customer of whether or not the request for a reduction in interest rates has been accepted and the reason for the request within 10 business days from the date of receiving the request for a reduction in interest rates (excluding the period from the date the customer is requested to supplement the documents to the date the documents are submitted). Star Savings Bank Compliance Supervisor Shim Ui-pil No. 2024-32 (2024.08.12)
