신한저축은행 온라인햇살론A World Seen Through Cards
Anyone can experience financial difficulties in modern society.
This is because their income may decrease or their debt may increase due to various reasons such as unemployment, business failure, or illness. When faced with such a situation, they try to relieve their financial burden by taking out a loan, but it is often difficult to obtain a loan opportunity due to low income or low credit rating.
In response, the government has established a loan program called ‘Online Sunshine Loan’ to solve the financial exclusion problem of low-income and low-credit individuals.
The purpose is to reduce financial burden and increase accessibility to financial services with reasonable interest rates and long-term repayment plans.
Go to Shinhan Savings Bank Online Sunshine Loan 👉
The biggest feature of Online Sunshine Loan is that it is different from general loan standards and can be applied to low-income and low-credit individuals.
If we look at the specific qualifications, individuals with annual income below a certain level or low credit ratings are eligible.
For example, annual income of less than 35 million won and credit ratings of 6 to 10 are included here. Also, those with no fixed income or unstable income, such as housewives, self-employed people, and freelancers, can apply.
Online Sunshine Loan is a government-supported policy fund loan program, and you can apply through the website or mobile app of a related financial institution. You must submit the required documents and undergo a review during the application process.
Required documents include income verification documents, ID, and debt verification documents. Afterwards, income and credit rating are comprehensively evaluated to determine whether or not to provide a loan.
Online Sunshine Loan’s loan limit is up to 30 million won. This can be helpful when you need a large amount of money in a short period of time. The interest rate is around 6-10% per year, and the exact interest rate varies depending on the time of application.
The average interest rate is slightly higher than that of general loans, but it is still advantageous for those who had no other alternatives due to low income or low credit ratings. In addition, the repayment period is up to 5 years, so you can make long-term plans.
Check your loan limit 👉
For example, Mr. A, whose credit rating was lowered due to various circumstances, borrowed 15 million won through an online loan service.
Since the annual interest rate was 8% and the repayment period was 3 years, he ended up paying about 450,000 won per month, but his financial burden was significantly reduced compared to before. He was able to endure difficult times by using it for living expenses and children’s education.
In another case, Mr. B, a freelancer, was able to secure business funds thanks to the online loan service.
He had difficulty receiving general loans because he had no fixed income, but he borrowed 20 million won through this program and used it to rent a studio and purchase equipment. Thanks to the reasonable interest rate, he was able to focus on his business and ultimately succeeded in making a comeback.
The online loan service service is a valuable opportunity for low-income, low-credit individuals to enjoy financial benefits. With reasonable interest rates and long-term repayment, he can reduce his financial burden and use the funds for various purposes. However, you should carefully check your personal financial situation and repayment ability before making a decision. We need to closely examine whether it meets the government support conditions and whether the repayment plan is feasible. Only then can the online sun loan become a stepping stone for improving financial inclusion and the recovery of the common people.
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A World Viewed Through Cards
