신한저축은행 참신한대출Anyone over 30 years old and with an annual income of 12 million won can receive a small loan of up to 5 million won.
It is ‘Shinhan Savings Bank’s Fresh 500′.
Below, there is a summary of reviews of Fresh 500 low-income office workers’ loans, so please check them out.
▼ Check out the loan products that are right for you ▼
The Shinhan Savings Bank Fresh 500 that we are introducing today is a loan product for low-income, low-credit office workers.
Anyone over 30 years old, with a NICE credit score of 590 or higher, and with an estimated annual income of 12 million won can receive a loan approval.
If you are a low-credit, low-income office worker, be sure to check out the Fresh 500 that we are introducing today.
▼ Shinhan Savings Bank New 500 ▼
There are only three major qualification requirements for this product.
1. Foreign nationals aged 30 or older
The first condition is that you must be a foreign national aged 30 or older.
You cannot use this product if you are a fresh graduate or a college student.
2. NICE credit score of 590 or higher
The second condition is that you must have a NICE credit score of 590 or higher.
This is a condition that anyone can satisfy as long as you do not have excessive loans, delinquency, bankruptcy, or credit issues such as exemption.
In other words, this is a loan product that even people with low credit can use.
▼ What is my credit score? ▼
3. Annual income of 12 million won or higher
The third condition is that you must have an estimated annual income of 12 million won or higher as estimated by a credit information company.
If you are an office worker, this product can be used even by low-income earners.
In addition, even if you are unemployed, you can be approved for a loan by recognizing your credit card usage history or part-time job income, so please note.
1. Loan limit
The loan limit can be used in small amounts, from a minimum of 1 million won to a maximum of 5 million won.
In fact, there is a history of low-income office workers with a NICE credit score of 600 points being approved for a loan of up to 5 million won, so please note.
2. Loan interest rate
The loan interest rate is a minimum of 11.9% per annum to a maximum of 19.9% per annum.
The loan interest rate may be somewhat high, but I think it is a good product to use for a short period of time compared to small loans.
Your loan limit and interest rate are applied differently depending on your credit score and annual income.
If you are curious about your exact limit and interest rate, check it out quickly at the link below.
▼ What is my loan limit? ▼
The loan repayment method is the equal principal and interest repayment method.
During the loan period, the principal and interest of the loan are added and paid in the same amount every month.
Since there is no early repayment fee for this product, you can freely repay the principal and use it to lower the loan interest.
If you are approved for the Shinsinhan 500 loan, how much loan interest do I have to pay?
Let’s calculate the loan interest you have to pay every month through the case of a customer who is actually using the product.
Actual customer case
You can easily apply for a loan through Shinhan Savings Bank’s mobile banking without face-to-face contact.
If you follow the procedure below, it will take about 3 minutes.
Time required: 3 minutes
This is a method where required documents are automatically submitted through mobile authentication.
I will now organize the reviews of Shinsinhan 500 low-income office workers.
First, I thought that the Shinsinhan500 loan product was suitable for low-credit and low-income individuals who have difficulty using emergency loans and small-amount loan products from the first financial sector.
If you are in a situation where it is difficult to use small-amount loan products from the first financial sector, this product is a great alternative.
1. High approval rate
If you meet the qualifications, you can use it up to the maximum limit due to the nature of small-amount loan products.
2. Exemption of early repayment fee
Since you can freely repay the principal during the loan period, it is good to use when you need funds urgently.
3. No-document, non-face-to-face simple loan
It is convenient because you can check whether you are eligible for a loan in just 3 minutes through mobile banking without visiting the bank or preparing the necessary documents.
If you meet the qualifications but were rejected for the Shinsinhan500 loan, I think it is because the existing loan is excessive.
In that case, it is recommended to look into the loan products for the unemployed that can be used even if the expected loan is excessive.
The loan interest rate for the unemployed loan products is somewhat high, but most of them, like the new 500 loan product, are exempt from early repayment fees.
If you are looking for an alternative product in a hurry, check out the link below.
▼ Excessive expected loan OK, credit rating 10 OK ▼
Today, we took the time to summarize the Shinhan Savings Bank New 500 loan product.
This is a product that can be used up to the maximum limit without difficulty as long as the loan qualification conditions are met, so if you are looking for a small loan product with a high approval rate, be sure to check out this product.
Operator: Daisy
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