신한저축은행 참신한대출Credit Loan
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The average interest rate changes depending on your credit score
Average interest rate
18.91%
Maximum limit
5 million won
136th
Loan interest rate
11.9% ~ 19.9% per year* Loan interest rate = Base rate + Additional interest rate – Base rate: Weighted average interest rate of new term deposits in the previous half – Additional interest rate: Differentially applied according to internal rating criteria
Loan limit
1 million won ~ 5 million won
Loan period
Up to 3 years (1 year ~ 3 years)
Interest rate type
Fixed interest rate
Loan repayment method
Equal installment repayment of principal and interest
Delinquent interest rate
Agreement interest rate + 3% per year (within the maximum legal interest rate of 20% per year)
Interest imposition period
Pay the principal and interest in installments on the application payment date each month: Interest collection
Premature repayment fee
None (Effective date: ‘22.08.02~)
Application conditions
Age 30 or older & NICE credit rating Among customers with a score of 590 or higher, those with an estimated annual income of 12 million won or more (excluding college (graduate) students)
Required documents
Submit identity verification documents electronically
Additional expenses
No stamp duty (section where stamp duty is not incurred)
Notes
· Excessive borrowing may cause a decrease in your personal credit score.· A decrease in your credit rating or personal credit score may result in restrictions or disadvantages in financial transactions.· In case of delinquency, you may be required to repay the principal and interest before the end of the contract period.· Loan limits and interest rates are applied differently depending on your credit score.· We have a number of loan products, and each product has different targets, limits, and interest rates. We will guide you to the right product during the consultation process.· We may request submission of documents required for loan screening, and the screening results may vary or the loan may be rejected depending on screening criteria such as credit score, income, and financial transaction status.· If it is determined that your financial status has improved or your credit rating has increased, you may request an interest rate reduction. However, loan products where the interest rate is determined regardless of the borrower’s credit rating (stock loan, group loan, deposit collateral loan, etc.) are excluded, and the loan interest rate may not be reduced depending on the review result. · General financial consumers may withdraw their application for a loan contract within 14 days from the day following the loan contract conclusion date, and must return the money/goods already supplied and the interest and fees therefor. In addition, the right of withdrawal cannot be cancelled after it takes effect. · If a financial company violates the sales principles and concludes a financial product contract, the cancellation of the contract may be requested for 5 years from the contract date or 1 year from the date the illegality became known. (Cannot be exercised upon termination of contract) · Financial consumers may request to view materials (including provision of copies or hearing) for the purpose of redressing their rights, such as dispute resolution or litigation pursuant to Article 36 of the Financial Consumer Protection Act. · You have the right to receive a sufficient prior explanation of the relevant product pursuant to Article 19, Paragraph 1 of the Financial Consumer Protection Act, and please make a transaction after understanding the explanation. · Please check the product description and basic terms and conditions of credit transactions before entering into a contract. · This information is provided through procedures in accordance with laws and internal control standards. · If you have any complaints (grievances) after signing up for a product, you may contact the Customer Center (1644-7777) or the Internet homepage (www.shinhansavings.com), and if a dispute arises, you may request assistance from the Financial Supervisory Service (1332 without area code), etc.
