개인사업자 햇살론 자격조건Up to 20 million won
Workers: 9% per annum (12-month variable interest rate)
※ 0.75%p preferential interest rate applied compared to Sunshine Loan (employees)
※ Loan interest rate = base interest rate + additional interest rate
doesn’t exist
Guarantee fee: 2% per year of the deposit amount of the Korea Inclusive Finance Agency
Preferential guarantee fee
1) Low-income youth (annual income of 35 million won or less, 34 years of age or younger) reduced by 0.5% point
2) Others (those who completed credit debt management consulting, those who completed financial education) reduced by 0.1% point
※ Those who have completed credit debt management consulting and financial education: Those who have completed the relevant education at the Korea Inclusive Finance Agency within 1 year prior to the application date from the new application received on July 26, 2021
Guarantee fee reduction: If the loan interest rate exceeds 10.5% per annum, a guarantee fee reduction equal to 60% of the excess (loan interest rate – 10.5%) is applied.
Loan interest rate + 3% or less (delinquent interest rate), maximum 15% or less
IBK Savings Bank Compliance Officer Deliberation No. 2024-94 (2024.04.17.~2025.04.16.)
