경남은행 모바일 신용대출 플러스BNK Gyeongnam Bank Mobile Credit Loan Plus is a non-face-to-face online-only product that allows office workers to easily use up to 50 million won.
This product is a credit loan product that does not require a guarantee or collateral.
Since annual income is estimated from the insurance premium paid on the National Health Insurance Corporation Insurance Premium Payment Confirmation, it may not be available if you are not subscribed to the 4 major insurances.
Loans may be restricted for those who are not eligible for credit, such as those subject to credit management by financial institutions.
The usage limit is applied differently depending on the results of the personal credit evaluation.
You can choose between the maturity repayment method, where you pay only interest without repaying the principal and repay all principal and interest before maturity, and the equal principal and interest installment repayment method, where you add interest to the loan amount and divide it equally by the number of months of the usage period and repay it every month.
The available period is applied differently depending on the repayment method. Base rate: Financial bonds (variable) (variable cycle: 12 months) – 4.19% (as of October 24, 2023) This refers to the interest rate calculated as the simple average yield of the “financial bond closing price by period” on the business day before the loan execution date, and changes every 12 months according to the base rate announced by the bank every day.
Additional interest rate: Applied differentially according to the results of the personal credit evaluation.
Preferential interest rate:
If one of the above items (select 1) applies, you can receive a 0.20% preferential benefit. The reduced interest rate is checked every 3 months from the month following the month in which the loan handling date falls, and if the interest rate reduction conditions are not maintained or fulfilled, the reduced interest rate is automatically adjusted on the 13th of the month following every 3 months.
A mobile-only app is required to use this product exclusively for smart devices. BNK Gyeongnam Bank Mobile Banking – Google Play App,
BNK Gyeongnam Bank Mobile Banking 4+ – App Store
Mobile phone SMS authentication is required, and cannot be done if the smartphone is not in your name. Income and employment verification is submitted through automatic scraping when you enter the certificate password on the smartphone with the certificate.
If you believe that your credit status (e.g., increased income due to employment, promotion, etc., increased assets, increased credit rating (score), other credit status improvements, etc.)* has improved, you can request a lower interest rate from the bank.
You can apply for a lower interest rate by visiting a branch, using non-face-to-face mobile banking, or through the customer center, and the bank may request the submission of documents necessary to confirm the improvement of the borrower’s credit status. If the improvement in credit status is minor and does not meet the requirements for interest rate reduction, the customer’s interest rate reduction request may not be accepted depending on the results of the bank’s review.
The bank will notify the customer of whether or not the interest rate reduction will be accepted and the reason for it within 10 business days from the date of receiving the interest rate reduction request.
A loan contract may be cancelled if the customer notifies the bank of his or her intention to withdraw within 14 days from the later of the date of receipt of the contract documents, the date of conclusion of the loan contract, or the date of receipt of the loan, and returns the principal, interest, and incidental expenses in full.
If the right of withdrawal is exercised, the loan information related to the relevant loan will be deleted within 5 business days. It cannot be cancelled after the right of withdrawal takes effect. If you cancel a loan contract with the bank more than twice within the past month, you may experience disadvantages such as new loan rejection, maturity extension rejection, loan limit reduction, and interest rate preference restrictions.
There is no early repayment fee.
If you do not repay the overdue amount for a certain period of time, you may be liable for payment of all principal and interest even before the maturity date.
Customer Center: 1588-8585, 1600-8585, Business hours: Weekdays 09:00 ~ 18:00
Hana Bank’s Hanna One Q New Hope Holsi 2 product is an unsecured, unsecured, low-income preferential credit loan for wage earners, and can be used up to 35 million won depending on the individual.
Hana Bank Hana One Q New Hope Holsi 2
There is no credit score restriction for low-income earners with an annual income of 35 million won or less. In the case of low-credit borrowers, up to 45 million won in annual income is recognized, and the lower 20% of credit scores are KCB 700 points and NICE 749 points or lower as of 2023. In the case of job changes, etc., if you have been employed at your current workplace for more than 1 month (received salary at least once) and have worked for more than 3 months within the past year, you are recognized.
Korea Small and Medium Business Administration Workers’ Sunshine Loan
“The information on this blog is provided for reference only and cannot replace the advice or diagnosis of a professional.”
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