상상인 저축은행 오토론Credit Loan
Refinancing Loan
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Deposit Loan
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The average interest rate changes depending on your credit score
Average interest rate
18.66%
Maximum limit
80 million won
131st
Loan interest rate
Minimum 7.95% ~ Maximum 18.90%
Preferential interest rate
None
Loan limit
Maximum 80 million won
Loan period
Up to 60 months
Interest rate type
Fixed interest rate
Loan repayment method
Equal installment repayment of principal and interest
Overdue interest rate
Agreement interest rate +3% (Up to 20% per year)
Interest imposition period
Post-payment every month after the loan execution date
Premature repayment fee
Premature repayment fee: Within 2.0% (Exempt after 3 years) ※ Calculation method: Early repayment loan amount X Early repayment fee rate X (Remaining loan days/Loan agreement period)
Application conditions
Customers aged 19 or older who own a vehicle (joint vehicles are possible) NICE credit rating 530 points or higher (may be rejected based on our screening criteria)
Required documents
Required documents: Original copy of resident registration, ID card, health insurance eligibility certificate, health insurance payment certificate, vehicle registration certificate Optional documents: withholding tax receipt for earned income, 3 months of bankbook transaction history (must verify income), income certificate ※ Additional supporting documents may be requested during screening, and each document is only valid if issued within 1 month of the loan application date. Notes
• Cognitive tax – 50 million won or less: None – Over 50 million won ~ 100 million won or less: 70,000 won (50% borne by the customer and savings bank, 35,000 won borne by the customer) • Other incidental expenses – Mortgage establishment cost borne by the bank, Mortgage termination cost borne by the customer • Excessive lending may cause a decrease in your personal credit score. • A decrease in your personal credit score may result in restrictions or disadvantages in financial transactions. • If the repayment or interest payment of the loan is delayed, the overdue interest rate may be applied, which may result in financial disadvantages such as offsets with other receivables such as deposits or legal spelling, and an obligation to repay the principal and interest before the contract expires. • Please check the product description and terms and conditions before signing the contract. • You have the right to receive a sufficient prior explanation of the product, and please understand the explanation before making the transaction. • You may exercise the “right to withdraw the loan contract” within 14 days after the loan contract, and may cancel the loan contract for reasons such as an increase in your credit score or annual income. You can exercise your “interest rate reduction right.” • If your credit score, job, or income information changes, the interest rate and limit may change during the loan application process. • After clicking the Apply for Loan button, complete the necessary steps for the loan agreement on the application completion page. • The loan decision is made based on the savings bank’s screening criteria and the customer’s credit rating. • The loan interest rate may change depending on fluctuations in the base interest rate. • If there is a change in your personal information at the time of extension, part or all of the loan amount may be recovered. • For other details, please contact a counter staff member or the Customer Service Center (1644-0882) or be sure to refer to the product description. • Customer Center 1644-0882 ※ Please read! • If your credit score, job, or income information changes, the interest rate and limit may change during the loan application process. • After clicking the Apply for Loan button, complete the necessary steps for the loan agreement on the application completion page.
