신한저축은행 사잇돌2 대출credit loan
Refinance loan
mortgage loan
Jeonse loan
Loan interest coupon
credit score
deposit
free health screening
Health Insurance
car insurance
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The average interest rate changes depending on your credit score.
average interest rate
16.64%
maximum
30 million won
104th
loan interest rate
9.0% ~ 18.2% per annum (differential application according to SGI Seoul Guarantee Insurance premium and our CSS interest rate grade)
loan limit
1 million ~ 30 million won
(However, within the range of the guarantee deposit amount)
loan period
Up to 5 years (1 to 5 years)
interest rate type
fixed interest rate
Loan repayment method
Won(ri) equal installment repayment
delinquent interest rate
Contracted interest rate + 3% (legal maximum interest rate within 20% per annum)
Interest charging period
Payment of principal and interest repaid in installments on the application payment date every month: interest collected later
Early repayment fee
doesn’t exist
Application conditions
Salary earner (office worker) 1. Annual income of 12 million won or more2. More than 5 months at current job
Business income earner 1. Annual income of 6 million won or more2. Business operation for more than 4 months (based on business registration opening date)
Pension earner 1. Annual income of 6 million won or more2. Pension recipients for more than 1 month* Limited to national pension, civil servant pension, military pension, and private school pension
Common information Available only to Koreans residing in Korea aged 19 or older and who have passed the SGI Seoul Guarantee Insurance guarantee screening.
Required documents
No stamp tax (section where stamp tax does not occur)
Notice
· Excessive borrowing may cause a decline in personal credit score. · A decline in credit rating or personal credit score may result in restrictions or disadvantages in financial transactions. · In case of late payment, an obligation to repay principal and interest may occur before the expiration of the contract period. · Loan limits and interest rates are applied differently depending on credit score. · Our company has a number of loan products, and the target, limit, and interest rate are different for each product. During the consultation process, we will guide you to a product that is suitable for you. · You may be asked to submit documents necessary for loan review, and the review results may vary or the loan may be rejected depending on the review criteria such as credit score, income, and financial transaction status. · If you believe that your financial condition has improved or your credit rating has increased, you may request an interest rate reduction. However, loan products (stock loans, group loans, deposit-secured loans, etc.) where the interest rate is determined regardless of the borrower’s credit status are excluded, and the loan interest rate may not be reduced depending on the screening results. · General financial consumers can borrow money. You can withdraw your application for a loan contract within 14 days from the day after the date of conclusion of the contract, and the money and goods already supplied, as well as interest and fees thereon, must be returned. Additionally, once the right of withdrawal has been exercised and becomes effective, it cannot be cancelled. · If a financial company enters into a financial product contract in violation of the sales principles, it may request termination of the contract for 5 years from the date of contract and 1 year from the date of learning of the violation. can. (Cannot be exercised upon termination of contract) · Financial consumers may request to view data (including provision of copies or hearings) for the purpose of redressing rights, such as dispute mediation or litigation under Article 36 of the Financial Consumer Protection Act. · Financial Consumer Protection Act Pursuant to Article 19, Paragraph 1, you have the right to receive a sufficient prior explanation of the product in question, and please understand the explanation before transacting. · Please check the product description and basic credit transaction terms and conditions before concluding a contract. · This information It is provided through procedures in accordance with laws and internal control standards. · If you have any complaints (complaints) after signing up for the product, you can contact the customer center (1644-7777) or the Internet homepage (www.shinhansavings.com). If a dispute arises, You can request help from the Financial Supervisory Service (1332 without area code).
