케이뱅크 사잇돌 대출Credit loan
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Average interest rate changes depending on credit score
Average interest rate
8.57%
Maximum limit
20 million won
27th
Loan interest rate
· Loan interest rate: 7.29% ~ 13.05% per annum (as of April 17, 2024)· Base interest rate: Financial bond linked interest rate (based on 6 months), 3.58% per annum· Additional interest rate: 3.71% ~ 9.47% per annum· The actual applicable interest rate may vary depending on the transaction conditions such as the loan period, amount, and credit situation. · The base interest rate can be selected from the financial bond linked interest rate of 3 months, 6 months, and 12 months. · The financial bond linked interest rate is the interest rate calculated by averaging the daily periodic financial bond interest rate announced by the Financial Investment Association for the past 3 business days. · In the case of financial bond linked interest rates (3 months), it changes every 3 months, in the case of financial bond linked interest rates (6 months), it changes every 6 months, and in the case of financial bond linked interest rates (12 months), it changes every 12 months.
Preferential interest rates
None
Loan limit
KRW 1 million ~ Maximum KRW 20 million
Loans available within the amount guaranteed by Seoul Guarantee Insurance
Loan period
· Up to 5 years (1, 2, 3, 4, 5 years) in 1-year units
Loan repayment method
· Equal installment repayment of principal and interest: The total amount of the loan amount and interest is divided equally by the number of months of the loan period, and the principal and interest are paid monthly.
Overdue interest rate
· Overdue interest rate: Loan interest rate + 3.00% per annum· The maximum overdue interest rate is 15.00% per annum. However, if the loan interest rate is 15.00% or higher per annum, the overdue interest rate of 2.00% per annum is added to the loan interest rate and applied. Interest imposition period
Post-payment
Early repayment fee
Exemption
Application conditions
· Employees and self-employed persons aged 19 or older * Employees: Customers who have been employed for more than 3 months and have an annual income of more than 15 million won * Self-employed persons: Customers who are sole proprietors and have been operating normally for more than 6 months without any suspension or closure, and whose reported income for the previous year is more than 10 million won based on Hometax · Customers who meet K-Bank’s internal screening criteria · Customers who can be issued with insurance certificates by Seoul Guarantee Insurance
Required documents
None
Ancillary expenses
None
Notes
· Saitdol Loans are products that cannot be extended. · Loan limits vary depending on the screening results. · If you do not meet K-Bank’s screening criteria or have a history of delinquency, or if you already have another loan from K-Bank, your application may be restricted. · If interest or principal is delinquent, delinquent interest will be charged and you may be subject to disadvantages such as a decrease in your credit score. · To prevent overseas fraud, overseas applications may be restricted. · The monthly application amount is limited to ensure that you can use the loan stably. Once the application amount is closed, you can use it the following month. · If the loan amount is excessive compared to your repayment ability, your personal credit score may decrease, and a decrease in your personal credit score may cause disadvantages related to financial transactions. · If you are in arrears with all principal and interest that must be paid over a certain period of time, you may be obligated to repay all principal and interest before the contract expiration date. · The above explanation is to help you understand the product, and the actual product contract is subject to the basic terms and conditions of credit transactions and the household loan product description, etc. · Financial consumers have the right to receive an explanation of this loan product in accordance with Article 19, Paragraph 1 of the Financial Consumer Protection Act, and are advised to read the product description and terms and conditions before entering into a contract for this loan. · If you have any inquiries regarding the product, you can contact the K Bank Customer Center (1522-1000) or inquire through the K Bank app.
