햇살론 뱅크 신청방법General deposits for management of surplus funds
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Preferential interest rates on affiliate-only deposit products
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Sunshine Loan
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Loan limit
Maximum wage earner: 20 million won
loan interest rate
10.28% ~ 10.68% per annum
loan period
3 or 5 years
– Workers with annual income of 35 million won or less (can proceed regardless of personal credit score)
– Among workers with an annual income of 45 million won or less, those with a personal credit score in the bottom 20/100 (NICE 744 points or less or KCB 700 points or less)
※Customers eligible for online sunshine loan
– Customers who have been paying regular health insurance premiums for more than 3 months at their current workplace
– Customers who have a mobile phone in their name and a joint (financial) certificate
– Customers who can make an electronic contract through PC or mobile app ‘SB Talk Talk Plus’
– Loan interest rates are applied differently depending on personal credit score.
– The loan interest rate is a variable rate (3, 6, 12 months) and follows the announcement of the Korea Federation of Savings Banks.
※Interest rate reduced by 0.5% per year when using an online Sunshine Loan
– The loan principal is repaid in the same amount every month, and the loan interest decreases depending on the loan balance.
※When applying for an online Sunshine Loan, a copy of resident registration form, employment and income documents can be omitted.
(Ten thousand won)
(Ten thousand won)
▶When repaying the full amount of the Sunshine Loan early
The guarantee fee for the remaining period is paid by the Korea Inclusive Finance Agency.
We will refund you.
(Example) Loan period: 5 years, full repayment after 2 years of loan execution
If so, 3 years worth of guarantee fee will be refunded
-Guarantee fee refunds can be made through the Korea Inclusive Finance Agency call center.
☏Experience available through 1397
※Reduced guarantee fees for those eligible for social consideration* (1.0%p) and low-income youth** (0.5%p)
– Guarantee fee reduction benefits for social consideration recipients and low-income youth cannot be applied in duplicate.
*What is a person eligible for social consideration? Single parents, grandparents, multicultural families, North Korean defectors, registered disabled people, recipients of national basic livelihood security, the next lower class, recipients of work incentives, self-supporting workers
**What is a low-income youth? Young people aged 19 to 34 with an annual income of 35 million won or less
What is the right to request an interest rate reduction?
Pursuant to Article 20 (Change of Credit Transaction Terms) Paragraph 3 of the Credit Transaction Basic Terms and Conditions and Article 18 (Guarantee of Right to Request Interest Rate Reduction) of Mutual Savings Bank Loan Interest Rate System Model Regulations, certain requirements such as improvement of credit status compared to the time of loan transaction agreement A customer who satisfies the right to request a reduction in the agreed upon interest rate.
Requirements for exercising the right to request an interest rate reduction
※ Depending on the savings bank’s evaluation results, the interest rate may not be reduced.
How to apply
– Please check the “Interest Rate Reduction Request Rights Information Page” for detailed application instructions. Right to request interest rate reduction
– For detailed application methods, please check the “Homepage – Interest Rate Reduction Request Rights Information Page”.
Only personal loan customers can withdraw from the loan contract by expressing their intention to withdraw (in writing, by phone, etc.) and repaying the principal and interest within 14 days of loan execution. In this case, the customer must repay the principal and interest and return the incidental expenses.
If you exercise your right to withdraw from a loan contract, the early repayment fee will be waived and the relevant loan information will be deleted within 5 business days. Additionally, the right to withdraw the loan contract cannot be canceled after it takes effect. (However, withdrawal is not possible in case of increased loan amount and partial early repayment)
Reviewed by the Korea Federation of Savings Banks 2023-00974 (2023.08.24 ~ 2024.08.23) | Compliance Officer Deliberation No. 52-267 (2023.07.27)
Go directly to loan application
323 Teheran-ro, Gangnam-gu, Seoul / Business registration number: 220-81-26108
(Main phone number) 1877-0015 / (Sunshine loan) 1877-0056
Only door-to-door sellers of The K Savings Bank will be searched.
Please check the staff information of The K Savings Bank through the main number.
Please inquire about the loan collection company through the Korea Federation of Banks integrated inquiry service.
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