상상인 저축은행 크크크론Table of Contents
Sangsangin Plus Savings Bank was established in 1972 and operates various deposit products in addition to loan products. Recently, interest in Sangsangin Plus Credit Loans, which have relatively low loan conditions and high approval rates, is increasing due to the increasing cost of living along with loan restrictions. Let’s first look at the conditions of Sangsangin Plus Savings Bank Credit Loans.
Sangsangin Plus Savings Bank Credit Loans are available to both job seekers and employees. However, the personal credit score must be at least 530 points according to NICE standards.
Employees can provide proof of income, but in the case of part-time or daily workers receiving cash, proof of employment must be provided, so phone verification or various documents may be required.
👆Go to Kkukkrone Easy Application
Sangsangin Plus Savings Bank Credit Loans have a maximum limit of 15 million won, and the minimum loan amount is 1 million won. The maximum limit is 15 million won, but it is applied differentially after reviewing personal credit rating and repayment ability. The minimum usage amount is set at 1 million won, so it can be used conveniently for those who need a small loan.
Since Sangsang Inplus Savings Bank is a 2nd financial institution, not a 1st financial institution, the interest rate is set somewhat higher. It is applied from the lowest 9.99% per annum and the highest 18.9%. Since it is applied differentially depending on personal credit rating, we recommend that you first check your current credit rating before applying.
The loan period can be set up to 5 years, and there are two repayment methods: equal principal and interest repayment (repay the sum of the loan principal and interest in the same amount every month) and lump sum repayment at maturity (pay only interest during the loan period and repay in a lump sum at maturity). If you repay the entire amount within 3 years, a 1.8% early repayment fee is charged, but it is exempted after 3 years. You can apply for Sangsangin Plus Savings Bank credit loan through the official website (go to). When applying, you will need a certified certificate and various documents depending on the situation. Please refer to the table below for the documents to be submitted.
Sangsangin Plus Kkkron application screen
When applying for Sangsangin Plus Savings Bank credit loan, it was unfortunate that the review process was not quick and the process was somewhat slow. Recently, there are many products that complete the loan process on the same day of application, but with Sangsangin Plus Savings Bank credit loan, I was able to receive a review call 2 days after applying, and the review call had relatively detailed questions.
Various questions such as address and cohabitation, work address, length of employment, salary, current expected loan, and type of residence (ownership or lease) were asked for about 5 to 10 minutes. Once the call is completed, all review procedures are completed, and after review approval, the deposit is made and all procedures are completed. It took 3 days from application to approval, so it was a relatively long time, and the fact that the call was also conducted was somewhat complicated and annoying. However, the high approval rate is a clear advantage.
So far, we have looked at the Sangsangin Plus Savings Bank credit loan. Although the application process is somewhat complicated, I think the high approval rate and limit are sufficient advantages. If there is no limit granted by other financial institutions or other places, please use the Sangsangin Plus Savings Bank credit loan.
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