현대캐피탈 자동차담보대출 조건C.S.Lewis
There are many people who want to get a loan but are hesitant due to high interest rates or have difficulty getting a loan due to the burden of household debt, right? If you are wondering how to get a loan with good conditions, check out Hyundai Capital’s ‘Car Collateral Loan’!
Hyundai Capital’s car loan is a product that allows you to get a loan using a car in your name as collateral. You can receive a loan of up to 60 million won as long as you own the vehicle in your name for more than 3 months and the vehicle was sold within 13 years. Depending on the car collateral and credit status, interest rates range from 4.9% to 17.9% per annum, and there is no handling fee or mortgage cancellation fee, so there is no fee burden. However, early repayment fees range from 0 to 2.0%.
☝️Recommended for these people!● Those who are worried about getting a loan with a high interest rate ● Those who are not satisfied with the limit of a new loan
It’s easy to think that if you get a car loan, you have to return the car. However, like a home mortgage loan, you can use your car as collateral for a car loan. You can get a loan while still driving the car you used!
For those who take out a loan, the most important thing is how much is being loaned! With Hyundai Capital’s car loan, you can borrow up to 200% of your car’s market value. Usually, when it comes to ‘car loans,’ many people think that the limit is less than the market price of their used car, taking depreciation into account. In reality, this is not the case, so if you need a loan, it is best to check the exact limit.
You can check the Hyundai Capital car loan limit in just 1 minute! When you think of ‘limit inquiry’, it is easy to think that you have to go through various documents and a complicated authentication process, but with Hyundai Capital’s car loan, you can easily check the limit by just entering your vehicle number.
NO! Loans are not available for rental or leased vehicles. Hyundai Capital’s car loan is available only to customers who have owned a vehicle in their name for more than 3 months.
YES! Anyone can apply as long as they own a vehicle in their own name. However, it must be a vehicle that has no history of provisional seizure or disposition according to the Motor Vehicle Registration Office.
NO! Checking your limit will not affect your credit. However, if you make too many loan inquiries in a short period of time, temporary restrictions may occur.
If you are worried about high interest rates and low limits while considering a loan, try Hyundai Capital’s car loan! Just enter your vehicle number and your limit will be checked in just 1 minute! Easy and reliable loans, join Hyundai Capital now.
Hyundai Capital car collateral loan product information · Eligibility: Customers who have owned a vehicle in their own name for more than 3 months (excluding joint names) · Vehicles within 13 years of delivery (as of 2023, available from the 2010 model year) · Interest rate: 4.9~17.9%- Different interest rates are applied depending on the customer’s credit rating – For some customers, the lowest interest rate cannot be applied · Limit: KRW 3 to 60 million ※ Up to 200% of the vehicle market price (some customers may be excluded according to deliberation standards) · Establishment and termination of mortgage Cost: None (however, cancellation costs are borne by Hyundai Capital only in case of normal repayment) · Handling fee: None · Early repayment fee: 0~2.0% · Repayment period: Choose from 12, 24, 36, 48, or 60 months · Repayment method: Equal repayment of principal and interest, equal repayment of principal and interest after deferral ※Example: When taking a loan of 12 million won with equal repayment of principal and interest at 10% per annum, 48 months, monthly repayment amount is 304,351 won · Interest payment period: Monthly payment · Late payment interest rate: Agreement interest rate + maximum 3% ( (within 20% of the legal maximum interest rate) · Early repayment fees are applied differently depending on the period of use. · Interest rates are applied differently depending on the customer’s credit rating, etc. · Stamp duty is borne by the company and the customer at 50% each. · Some customers may be asked to submit documents. · Loan conditions are applied differently depending on the collateral and type. Loans may be restricted if collateral and credit rating are inadequate. Financial consumers have the right to receive an explanation of the product in accordance with Article 19, Paragraph 1 of the Financial Consumer Protection Act, and must fully understand the contents after hearing the explanation. Please make a transaction after doing so. · Please read the financial product description and terms and conditions for detailed information before entering into a contract. “If the loan amount is excessive compared to your ability to repay, your personal credit score may drop.” “Personal credit. A drop in rating may result in disadvantages related to financial transactions. “If you are delinquent on principal and interest (or loan, payment, etc.) for a certain period of time, you may be obligated to repay all principal and interest.”
Advertisement production month: 2023.09Hyundai Capital compliance monitoring review completed No. 230921-007
Reviewed by Credit Finance Association No. 2023-L1h-11226
(2023.09.21 ~ 2024.09.20)
Hyundai Capital official brunch
