하나은행 새희망홀씨Customers with an annual income of 40 million won or less
※ The reduced interest rate by secondary transaction item is applied to the reduced interest rate of the secondary transaction item selected when executing the loan, and after that, if the monthly reduction conditions are met for all items including unselected items, the interest rate is reduced every month, and if the conditions are not met every month, the reduced interest rate is automatically increased.
** The additional interest rate is applied differentially depending on the credit rating, loan period, loan amount, etc.
※ When the loan period expires, the contract can be renewed if the bank approves the extension after examining whether the period can be extended based on the criteria set by the bank, and depending on the customer’s credit rating,
The extension can be done through methods such as visiting a branch/extending the customer center/extending through electronic financial channels (Internet banking/smartphone banking), etc. Exemption of loan handling fee, limit unused fee, early repayment cancellation fee
Unlimited exemption of fees for phone banking, internet banking, smartphone banking, and ATM use (withdrawal of our bank card and transfer within our bank) (only for new internet and mobile loan borrowers, from the new loan date to before loan repayment)
Loan interest rate reduction of up to 1.2%, accumulating by 0.3% per year for faithful repayment borrowers (those with 10 or less days of delinquency per year)
A tax paid when concluding a loan agreement according to the Stamp Tax Act, and the tax amount is applied differentially according to the loan amount, with the bank and the customer each bearing 50%.
※ Stamp tax related to loans
※ Products where credit status does not affect interest rates are excluded from interest rate reduction requests, and interest rate reduction requests may not be accepted depending on CSS (Personal Credit Rating System) evaluation results, bank internal policies, etc. ※ For more information, please refer to the product description and Hana Bank website (www.kebhana.com), Korea Housing Finance Corporation website (www.hf.go.kr), or contact Hana Bank Customer Center (1599-2222) or a branch.
※ Financial consumers have the right to receive explanations about the relevant product or service.
Whether applicable to existing subscribers: Not applicable
Whether applicable to existing subscribers: Not applicable
Whether applicable to existing subscribers: Applied
Whether applicable to existing subscribers: Not applicable
Whether applicable to existing subscribers: Not applicable
Whether applicable to existing subscribers: Applied
Whether applicable to existing subscribers: Applied
Whether applicable to existing subscribers: Not applicable
Whether applicable to existing subscribers: Not applicable
Whether applicable to existing subscribers: Not applicable
Whether applicable to existing subscribers: Not applicable
Whether applicable to existing subscribers: Applied
Whether applicable to existing subscribers: Not applicable
Whether applicable to existing subscribers: Not applicable
Whether applicable to existing subscribers: Not applicable
Whether applicable to existing subscribers: Not applicable
Whether applicable to existing subscribers: Not applicable
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