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Base date: 2024.11.08 (annual interest rate, %)
① 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 at the closing price on the previous business day before the last business day of the previous week
② Additional interest rate: The additional interest rate for each customer is applied differently depending on credit rating, etc.
③ Final interest rate: The applicable interest rate for each customer is applied differently depending on the additional interest rate calculated based on the base interest rate, credit rating, loan period, etc. You can check by consulting with the loan application branch where it is actually applied.
① Delinquent interest rate: Up to 15% per annum (borrower-specific loan interest rate + delinquent 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 interest rate』 is applied at 3% per annum. ② Cases in which you must pay overdue interest (overdue penalty)
☞ When you do not pay on the “date you agreed to pay interest”
– Overdue interest is applied to the agreed interest that you must pay for up to one month from the day following the date on which interest must be paid, and after one month has passed, you must pay overdue interest calculated by multiplying the overdue interest rate by the loan balance due to loss of term benefit.
☞ When you do not repay on the “date on which you agreed to repay the installment amount (or installment repayment principal and interest)”
– From the day following the day on which the installment amount (or installment repayment principal and interest) must be repaid, you must pay overdue interest on the installment amount (or installment repayment principal and interest), and if you are late twice or more in a row, you must pay overdue interest on the loan balance 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, 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 installment repayment principal and interest)”
– 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 “Individual 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. 2024-4942-37, 2024.10.14]
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