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Customers who are engaged in business as of the date of application for guarantee and who fall under the following criteria:
Annual income of 35 million won or less (personal credit score of 45 million won or less is 20/100* or less)
* NICE 744 points as of 2021
Variable interest rate: ~10.50% per year (as of 22.12, changes every month)
Calculation standard
Base interest rate (savings bank’s deposit interest rate for July 21 (weighted average interest rate for term deposits with 1-year maturity) + additional interest rate (differentially applied depending on customer credit rating)
guarantee fee
1.0% per annum of deposit amount
General financial consumers can withdraw their subscription to a contract within 14 days from the date of conclusion of the contract, the date of receipt of the contract documents, or the date of receipt of the loan. (However, once the right of withdrawal has been exercised and becomes effective, it cannot be cancelled.)
In order to withdraw a subscription, you must express your intention to withdraw your subscription to the savings bank through a branch, internet banking, smart banking, etc., and you must also notify the savings bank of the loan amount already received, the interest thereon, the stamp duty borne by the savings bank to a third party in relation to the loan, and the mortgage lien. Setup costs, etc. must be refunded.
If you exercise your right to withdraw from a loan contract, the early repayment fee will be waived, and loan information related to the loan will be deleted within 5 business days.
If you abuse your right to withdraw a loan contract and withdraw a loan contract with the relevant savings bank more than twice within the past month, you may be subject to disadvantages such as rejection of new loans or maturity extensions, reduction of loan limits, or 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 terminate the contract without imposing a penalty or other fees.
When recommending the conclusion of a loan contract that is deemed unsuitable (violation of Article 17 (3) of the Act)
Even if the loan product is not appropriate, if the fact is not reported or confirmed (violation of Article 18 (2) of the Act)
Failure to fulfill the obligation to explain (violation of Article 19 (1) and (3) of the Act)
In case of unfair business practices (violation of Article 20 (1) of the Act)
In case of unfair solicitation (violation of Article 21 of the Act)
In order to exercise the right to terminate an illegal contract, financial consumers must submit a contract termination request within 1 year from the date of becoming aware of the violation of the law, or within 5 years from the date of conclusion of the contract, by attaching documents proving the violation in writing (mail, e-mail, text message, etc.). You must request termination of the contract via message, etc.).
The right to request an interest rate reduction refers to the right of a financial consumer to request a reduction in the interest rate applied to him/her from a savings bank when he or she determines that his or her credit status has improved (employment, promotion, increase in assets, increase in personal credit score, etc.) (Article 14 of the Savings Bank Act). This refers to condolence 2).
The right to request an interest rate reduction can be applied for by visiting a branch or through non-face-to-face channels (internet banking, mobile banking, call center, etc.) (there are no restrictions on the timing or number of applications), and savings banks confirm the improvement in credit status of customers requesting an interest rate reduction. You may be asked to submit necessary materials.
If the customer’s interest rate reduction request is made for a product with little improvement in credit status or where credit status does not affect the interest rate, the customer’s request for an interest rate reduction may not be accepted.
The Savings Bank will notify you within 10 business days from the date of receiving the interest rate reduction request (the period from the date of requesting supplementary data to the customer to the date of submission of the data is not included) and whether or not the interest rate reduction request will be accepted and the reason for such request.
Jinju Savings Bank Compliance Officer Deliberation No. 51-19 (2021.09.08~2022.09.08)
