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Base date: 2024.10.24 (Annual interest rate, %)
Base interest rate: The financial bond interest rate is the “AAA grade financial bond distribution yield” announced by the Korea Financial Investment Association (www.kofia.or.kr) and is applied as the closing price on the business day before the last business day of the previous week.
Additional interest rate: The additional interest rate for each customer is applied differently depending on credit rating, etc. Preferential interest rate: Up to 0.9%p per annum
① Preferential treatment for KB Credit Card usage: Up to 0.3%p per annum
☞ If you designate KB Kookmin Bank as your payment account and have a usage history of 300,000 won (0.1%p per annum)/600,000 won (0.2%p per annum)/900,000 won (0.3%p per annum) or more in the past 3 months
② Preferential treatment for salary (pension) transfers: 0.3%p per annum
☞ If you have a salary (pension) transfer (500,000 won or more per transaction) to your own account at least twice in the past 3 months as of the end of the previous month
③ Preferential treatment for holding savings deposits (300,000 won or more): 0.1%p per annum
☞ If you have an account with a savings deposit balance of 300,000 won or more
④ Preferential treatment for automatic transfers (3 or more): 0.1%p per annum
☞ 3 cases for new accounts, 2 or more cases for recalculation In case of automatic transfer withdrawal performance (apartment management fee, giro, financial settlement center CMS, Firm Banking automatic transfer)
⑤ KB Star Banking usage preferential treatment: 0.1%p per annum
※ The preferential interest rate linked to performance is recalculated and applied every month after 3 months of new loan depending on whether the preferential conditions for each item are met.
※ When selecting the limit transaction loan (automatic account loan as I like) with the method of increasing or decreasing the contract limit, the ‘preferential interest rate as I like (0.1%p per annum)’ is additionally applied. (CSS 1-4 grade)
※ In the case of comprehensive account automatic loan, the ‘preferential interest rate for limit depletion rate (up to 0.4%p per annum)’ is applied for 1 month from the new loan date, and then changed and applied monthly depending on the limit depletion rate.
Final interest rate: The interest rate applied to each customer is applied differentially according to the additional interest rate and preferential interest rate calculated based on the base interest rate, credit rating, loan period, etc., and the actual applicable interest rate can be confirmed by consulting with the loan application branch. ① Delinquent interest rate: Up to 15% per annum (borrower-specific loan interest rate + delinquent penalty interest rate)
※ However, if the loan interest rate is higher than the highest delinquent interest rate, the loan interest rate + 2.0%p per annum
☞ The ‘delinquent penalty interest rate’ is applied at 3% per annum.
② When you must pay delinquent interest (delayed compensation)
☞ When you do not pay on the “date you agreed to pay interest”
– From the day after the date on which you were supposed to pay interest, delinquent interest is applied to the agreed interest that you must pay for up to one month, and after one month has passed, you must pay delinquent interest calculated by multiplying the delinquent interest rate by the loan balance due to loss of term benefit. ☞ When repayment is not made on the “date of repayment of the installment amount (or the principal and interest of the installment amount)” – From the day following the date on which the installment amount (or the principal and interest of the installment amount) must be repaid, the overdue interest on the installment amount (or the principal and interest of the installment amount) must be paid, and when there is a delay of two or more consecutive times, the overdue interest on the loan balance must be paid due to loss of term benefit. ※ In cases where the loan principal (based on the agreed amount, in the case of a limit loan, based on the agreed amount) is less than 50 million won according to the provisions of the “Individual Debtor Protection Act”
– Notwithstanding the above ‘②’, if arrears occur and the benefit of the term is lost, the overdue interest on the loan balance will not be paid if the loan maturity has not expired.
☞ The ‘Overdue Interest Rate’ applies at 3% per annum.
② Cases where overdue interest (overdue damages) must be paid
☞ When payment is not made on the “date agreed to pay interest”
– Overdue interest is applied to the agreed interest to be paid for up to one month from the day following the date on which interest must be paid, and after one month has passed, the overdue interest calculated by multiplying the overdue interest rate by the loan balance must be paid due to the loss of benefit of the term.
☞ When payment is not made on the “date agreed to repay the installment repayment amount (or the principal and interest of the installment repayment amount)”
– The installment repayment amount (or From the day following the date on which the installment repayment principal and interest must be repaid, the overdue interest on the installment repayment amount (or installment repayment principal and interest) must be paid, and in the case of two or more consecutive overdue payments, the overdue interest on the loan balance must be paid due to the loss of the benefit of the term.
※ In the case where the loan principal (based on the contract amount, based on the limit amount in the case of a limit loan) is less than 50 million won according to the provisions of the “Personal Debtor Protection Act”
– Notwithstanding the above ‘②’, if overdue payment occurs and the benefit of the term is lost, the overdue interest on the loan balance will not be paid if the loan maturity has not expired.
[Compliance Supervisor Deliberation No. 2024-4942-42 (2024.10.14)]
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When calling from overseas to Korea +82-2-6300-9999
Loan short-term delinquency and maturity information 1588-9008
When calling from overseas to Korea +82-2-3702-1240
1800-9999
(Excluding loss and accident reports)
Investment product approval confirmation 1833-3938
When calling from overseas to Korea +82-1833-3938
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