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Therefore, if you want to reduce your monthly payment, it is advantageous to use a used car loan product from a first-tier financial institution. Shinhan My Car used car loans basically look at proof of income, earned income, and business income. There is a maximum and interest rate difference depending on the standards, so please make a decision by looking at the Shinhan My Car used car loan information below.
Shinhan My Car used car products are available for up to 60 months with interest rates ranging from the lowest annual interest rate of 5,92% to the highest annual interest rate of 6,52%, up to a maximum of 40 million won. Loan applications are non-face-to-face, so you can apply through the internet or through a counselor without visiting.
If you are 19 years of age or older, have signed a used car purchase contract with a car dealer, passed the Seoul Guarantee Insurance eligibility screening, and can provide proof of occupation and income, you will be eligible for a loan.
Transactions between individuals are not possible, and Shinhan My Car used car loans are available only for vehicles registered as commercial products at a used car dealer, that is, vehicles purchased from a used car dealer.
– Salary earner (employed for more than 6 months) – Business income earner (operating in business for more than 1 year) – Pension earner
Even though it is a used car loan, it does not mean that any vehicle can apply. The vehicles that can use Shinhan My Car are only passenger cars, vans, private taxis, trucks (2.5 tons or less), camping cars, caravans, and large two-wheeled vehicles (over 260cc).
The loan period can be from 1 year (12 months) to 5 years (60 months). In the past, 10 years (120 months) was possible, but now the loan period is up to 60 months.
The maximum Shinhan My Car used car loan limit is 40 million won, and you can apply for a minimum sales price of 3 million won. This amount is determined after review within the calculated limit of Seoul Guarantee Insurance, and for people over 25 years of age, it can be up to 80% of the vehicle value.
These are the required documents for applying for a Shinhan My Car used car loan. First, you must inquire through the Shinhan My Car app or a counselor. Since it is a first-tier financial product, you cannot use it if you have credit problems or are behind on payments, so it is best to check first before proceeding.
When applying for a loan, you will need a vehicle registration certificate for the vehicle you wish to purchase and a sales contract. If a used car sales company makes a request to the dealer in charge at the time of contracting a vehicle and sends it by fax, it will take up to 2 business days at the earliest.
Documentation is required after the loan is issued. When you purchase a used car, the title is transferred on the same day or the next day. In this case, a car registration register showing that it is owned in your name is required. You can also request this through the dealer in charge of your purchase.
If you have confirmed the above, verify your identity and check your integrated limit through the app or a counselor. After filling out the loan application information, if you wait for the loan application to be reviewed online, a Shinhan Bank representative will contact you individually after the review. If the review is completed and approved, you can proceed according to the Shinhan My Car application method and list of required documents above.
– Prepayment loan amount x early repayment interest rate (0.7%) Additional costs may include surrender charges depending on the timing and amount of loan repayment. -The overdue interest rate is applied as the loan interest rate + overdue interest rate. The overdue interest rate is 3% per year, and the overdue interest rate is up to 15% per year.
When using any loan product, be sure to check the terms and conditions before proceeding.
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