사잇돌 대출Customers who meet one of the conditions below and are eligible for Seoul Guarantee Insurance insurance policy issuance and have met the screening criteria of KEB Hana Bank.
1. Salary earner: Customer with more than 3 months of employment and annual income of 15 million won or more
2. Sole proprietor: Customer with an annual income of KRW 10 million or more with business operation period of 6 months or more 3. Pension earner: Customer with an annual income of KRW 10 million or more with at least one of the four major public pension periods
(As of March 11, 2021, based on the bank’s internal credit (ASS) and Seoul Guarantee Insurance internal credit level 4, loan period of 5 years, loan amount of 10 million won)
* Interest calculation method: Minimum interest rate (base interest rate + additional interest rate – incidental transaction reduction interest rate) / Highest interest rate (base interest rate + additional interest rate)
** Additional interest rates are applied differently depending on credit rating, loan period, loan amount, etc.
*** Reduction interest rate by ancillary transaction item: The reduction interest rate of the ancillary transaction item selected when executing the loan is applied, and thereafter, if the monthly reduction conditions are met for all items, including the unselected items, the interest rate is applied on a monthly basis. If the monthly conditions are not met, the discounted interest rate is automatically increased.
– The legal maximum interest rate according to the Act on Registration of Loan Business, etc. and Protection of Financial Users is 24% per annum.
– Overdue interest rate [loan interest rate + overdue interest rate (3% per year)]: The maximum is 15% per annum. (As the overdue interest rate may vary depending on the product, please refer to the loan transaction agreement for details. – Interest Timing of imposition: In principle, the collection is collected for a period of less than one month based on the collection method.
※ When the loan period expires, the contract can be renewed if approval is obtained after reviewing whether the period can be extended according to the standards set by the bank. Customer’s credit rating,
Depending on the loan product, extension is possible through methods such as visiting a branch/customer center extension/electronic financial channels (internet banking/smart phone banking).
Under the Stamp Duty Act, this is a tax paid when concluding a loan agreement. The tax amount is applied differently depending on the loan amount, and the bank and the customer each bear 50%.
※ Loan-related stamp duty
(Issued within 1 month from the loan execution date)
※ Additional documents may be required to be submitted during consultation.
※ Products whose credit status does not affect the interest rate are excluded from interest rate reduction requests and are subject to CSS (Personal Credit Rating System) evaluation results and bank internal policies.
Depending on the circumstances, your request for an interest rate reduction may not be accepted.
※ For further details, please refer to the product description, KEB Hana Bank website (www.kebhana.com), Korea Housing Finance Corporation website (www.hf.go.kr), or contact Hana Bank Call Center (1599-2222) or branch office. .
