신한저축은행 참신한대출Credit Loan
Refinancing Loan
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The average interest rate changes depending on your credit score
Average interest rate
16.74%
Maximum limit
50 million won
126th
Loan interest rate
7.2% ~ 19.9% per year * Loan interest rate = Base rate + Additional interest rate – Base rate: Weighted average interest rate of new regular deposits in the previous half – Additional interest rate: Differentially applied according to internal rating criteria
Loan limit
1 million won ~ 50 million won
Loan period
Up to 7 years (1 year ~ 7 years)
Interest rate type
Fixed interest rate
Loan repayment method
Equal installment repayment of principal and interest
Delinquent interest rate
Agreement interest rate + 3% per year (within the maximum legal interest rate of 20% per year)
Interest imposition period
Pay the principal and interest in installments on the application payment date each month: Interest collection in arrears
Premature repayment fee
Up to 1%, none after 3 years ※ Premature repayment amount X Premature repayment fee rate X (Loan remaining days/Loan period)
Application conditions
Customers aged 19 or older with proof of income & NICE credit score of 590 or higher, employees who have been employed for more than 5 months & have an annual income of 12 million won or more
Required documents
Submit identity verification, employment, and income documents electronically
Ancillary expenses
No stamp duty (section where stamp duty is not incurred)
Notes
· Excessive borrowing may cause a decrease in personal credit score.· Restrictions or disadvantages in financial transactions may occur due to a decrease in credit rating or personal credit score.· In case of delinquency, the obligation to repay the principal and interest before the end of the contract period may arise.· Loan limit and interest rate are applied differently depending on the credit score.· Our company has multiple loan products, and the target, limit, and interest rate are different for each product. During the consultation, we will guide you to the right product for you. · You may be requested to submit documents required for loan screening, and the screening results may vary or the loan may be rejected depending on screening criteria such as credit score, income, and financial transaction status. · You may request an interest rate reduction if it is determined that your financial status has improved or your credit rating has increased. However, this excludes loan products whose interest rates are determined regardless of the borrower’s credit status (stock loans, group loans, deposit-secured loans, etc.), and the loan interest rate may not be reduced depending on the screening results. · General financial consumers may cancel a loan contract within 14 days from the day after the loan contract date, and must return any money or goods already supplied and any interest and fees thereon. In addition, once the right of withdrawal has been exercised and taken effect, it cannot be cancelled. · If a financial company enters into a financial product contract in violation of the sales principles, you may request termination of the contract for 5 years from the contract date or for 1 year from the date you became aware of the illegality. (Cannot be exercised upon termination of contract) · Financial consumers may request to view materials (including provision of copies or hearing) for the purpose of exercising their rights, such as dispute resolution or litigation pursuant to Article 36 of the Financial Consumer Protection Act. · You have the right to receive a sufficient prior explanation of the relevant product pursuant to Article 19, Paragraph 1 of the Financial Consumer Protection Act, and please make a transaction after understanding the explanation. · Please check the product description and basic terms and conditions of credit transactions before entering into a contract. · This information is provided following procedures in accordance with laws and internal control standards. · If you have any complaints (grievances) after signing up for a product, you may contact the Customer Center (1644-7777) or the website (www.shinhansavings.com), and if a dispute arises, you may request assistance from the Financial Supervisory Service (1332 without area code).
