전북은행 햇살론뱅크 신청조건Table of Contents
Jeonbuk Bank Sunshine Loan Bank is a loan that supports those who have improved their debt and credit after using the policy small business finance product to settle down in a first-tier financial institution bank. Since it is a loan supported by the government, the approval rate is higher than that of general loan products.
Therefore, those who need a loan should actively apply for Jeonbuk Bank Sunshine Loan Bank.
Jeonbuk Bank Sunshine Loan Bank is a financial product for the small business, so the qualification requirements are strict. Therefore, I will explain it by dividing it into 4 categories for easy understanding.
In other words, in order to use this product, you must meet all of the following 4 qualification requirements (① ~ ④). Therefore, please look at it carefully.
① Employment requirements
② Income requirements
③ Credit requirements
④ Satisfaction of criteria for using policy-based financial products for the common people
※ Relaxation criteria (expansion of support target) applied from February 25, 2022
The loan interest rate is a minimum of 5.20% to 11.01% per annum. This interest rate is determined by the “base rate + additional rate + guarantee fee rate of the Korea Financial Services Commission.” In other words, the guarantee fee is already included in the loan interest rate. The details are as follows.
The loan interest rate is a variable rate that changes every 3, 6, and 12 months. Those who meet the conditions below can receive a lower guarantee fee and use the loan at a lower interest rate.
※ Note
The repayment method is ‘equal installment repayment of principal and interest’. Therefore, the principal and interest must be repaid simultaneously every month.
The loan period is 3 or 5 years. The grace period is up to 1 year. In other words, for the grace period of one year after the loan is executed, you only need to pay interest without repaying the principal, and for the remaining period, you need to repay both the principal and interest.
The early repayment fee is ‘exempt’, just like other government-supported loan products. Therefore, you can repay the loan principal without a fee at any time during the loan period.
You can do this by visiting the branch in person or through internet banking or smart banking.
When applying for a loan, the documents ①, ②, and ③ below are required.
① Identity verification documents
② Employment verification documents
③ Income verification documents
The first product to look into when Jeonbuk Bank’s Sunshine Loan Bank is rejected is the ‘Jeonggeomdari Loan’. This product is the most similar government-supported loan to ‘Sunshine Loan Bank’. In other words, it is a loan for those who are already using a loan product for ordinary citizens.
However, this product can only be used by those with excellent credit scores. The detailed information on the ‘Jeonggeomdari Loan’ loan product is as follows.
‘Jinggeomdari-ron’ is currently handled by Kookmin, Woori, Shinhan, Hana, Nonghyup, Suhyup, SC First, Industrial Bank, Busan, Daegu, Gyeongnam, Gwangju, Jeonbuk, and Jeju Bank. However, the unfortunate part is that only those with excellent credit scores can use it.
However, there is no need to worry too much. The reason is that there are more types of government-supported loans that low-income and low-credit individuals can use than you might think. In addition, most of these loans can be used by applying for them multiple times.
That is why I have summarized government-supported loans that can be used by various classes such as the unemployed, employees, business owners, and those with bad credit. If you refer to it, it will be of great help in using low-interest government-supported loans.
Articles related to government-supported loans
Jeonbuk Bank’s Sunshine Loan Bank is a loan product that can be approved without major problems as long as you meet the basic qualifications. In particular, if you look at Sunshine Loan Bank reviews, Jeonbuk Bank’s approval rate seems to be higher than other banks. So you should actively apply to Jeonbuk Bank.
However, unfortunately, there may be some who do not meet the qualifications and cannot use the Sunshine Loan Bank. And there may be some who need additional loans after receiving the Sunshine Loan Bank. These people should use the Small and Medium Business Administration’s customized loan service to check all government-supported loan products that they can use at once.
So far, I have explained everything about Jeonbuk Bank’s Sunshine Loan Bank. If you have any additional questions, please refer to the Jeonbuk Bank homepage or contact the customer center (☎1588-4477).
