케이뱅크 신용대출 플러스Credit loan
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Average interest rate changes depending on credit score
Average interest rate
6.73%
Maximum limit
300 million won
13th place
Loan interest rate
· Loan interest rate: 5.61%~6.89% per annum (as of April 17, 2024)· Base interest rate: Financial bond linked interest rate (based on 6 months), 3.58% per annum· Additional interest rate: 2.04%~3.30% per annum· The actual applicable interest rate may vary depending on the transaction conditions such as the loan period, amount, and credit situation. · The base interest rate can be selected from the financial bond linked interest rate of 3 months, 6 months, and 12 months. · The financial bond linked interest rate is the interest rate calculated by averaging the daily periodic financial bond interest rate announced by the Financial Investment Association for the past 3 business days. · In the case of financial bond linked interest rates (3 months), it changes every 3 months, in the case of financial bond linked interest rates (6 months), it changes every 6 months, and in the case of financial bond linked interest rates (12 months), it changes every 12 months.
Preferential interest rates
None
Loan limit
Up to KRW 300 million
Loan period
· Equal installment repayment of principal and interest: Up to 10 years (1, 2, 3, 4, 5, 10 years)
Interest rate type
Floating interest rate
Loan repayment method
· Equal installment repayment of principal and interest: The total amount of the loan amount and interest is divided equally by the number of months of the loan period, and the principal and interest are paid monthly.
Overdue interest rate
· Overdue interest rate: Loan interest rate + 3.00% per annum· The maximum overdue interest rate is 15.00% per annum. However, if the loan interest rate is 15.00% or higher per annum, the overdue interest rate of 2.00% per annum is added to the loan interest rate and applied. Interest imposition period
Post-payment
Early repayment fee
Exemption
Application conditions
· Employed for 6 months or more, annual income of 30 million won or more, National Health Insurance-subscribed wage earners (However, some customers may apply for loans even if they have been employed for less than 6 months)· Customers with medium or low credit ratings* who meet K-Bank’s internal screening criteria *Medium and low credit ratings: Borrowers with a credit rating in the bottom 50% of KCB standards
Required documents
None
Incidental expenses
· Stamp duty: A tax paid when concluding a loan transaction contract according to the Stamp Duty Act, and the amount of tax is applied differentially depending on the loan amount, with the bank and customer each bearing 50%. There is no income recognition fee for loans up to 50 million won.
Notes
· The loan limit varies depending on the screening results. · If you do not meet K-Bank’s own screening criteria or have a history of delinquency, or if you already have another loan from K-Bank, your application may be restricted. · If interest or principal is overdue, overdue interest will be charged and you may suffer disadvantages such as a decrease in your credit score. · Overseas applications may be restricted to prevent overseas fraudulent loans. · The monthly application amount is limited to ensure that you can use the loan stably. Once the application amount is closed, you can use it the following month. · If the loan amount is excessive compared to your repayment ability, your personal credit score may decrease, and a decrease in your personal credit score may cause disadvantages related to financial transactions. · If you are overdue on all principal and interest that must be paid within a certain period of time, you may be obligated to repay all principal and interest before the contract expiration date. · The above explanation is to help you understand the product, and the actual product contract is subject to the basic terms and conditions of credit transactions and the household loan product description, etc. · Financial consumers have the right to receive an explanation about this loan product in accordance with Article 19, Paragraph 1 of the Financial Consumer Protection Act, and please read the product description and terms and conditions before entering into a contract for this loan. · If you have any inquiries regarding products, you can contact K Bank Customer Center (1522-1000) or through the K Bank app.
