대학생 햇살론Up to 20 million won
Workers: 9% per annum (12-month variable interest rate)
※ 0.75%p preferential interest rate applied compared to Sunshine Loan (Workers)
※ Loan interest rate = Base interest rate + additional interest rate
None
Guarantee fee: 2.5% per annum of the Korea Small Business Finance Agency guarantee amount
Guarantee fee preferential items
1) Low-income youth (annual income of 35 million won or less, 34 years old or younger) 0.5%p reduction
2) Others (those who completed credit debt management consulting, financial education) 0.1%p reduction
※ Those who completed credit debt management consulting and financial education: ‘21.7.26. New applications received and those who completed the relevant education at the Korea Small Business Finance Agency within 1 year prior to the application date
Guarantee fee reduction: If the loan interest rate exceeds 10.5% per annum, the excess amount (loan interest rate – 10.5%) Guaranteed rate reduction equivalent to 60%
Loan interest rate + 3% or less (default interest rate), maximum 15% or less
IBK Savings Bank Compliance Supervisor Review No. 2024-163 (2024.07.31. ~ 2025.07.30.)
