하나저축은행 사잇돌2Customers who meet one of the conditions below and are eligible for issuance of Seoul Guarantee Insurance insurance certificates and meet the screening criteria of Hana Bank
1. Salaried worker: Customers with an annual income of 15 million won or more and a period of employment of 3 months or more
2. Self-employed: Customers with an annual income of 10 million won or more and a period of business operation of 6 months or more 3. Pensioner: Customers with an annual income of 10 million won or more and a period of receiving the 4 major public pensions of 1 or more times
(Standard: As of 2024.03.22, based on the internal credit (ASS) of our bank and internal credit of Seoul Guarantee Insurance of Grade 1, and a loan period of 5 years)
* Interest calculation method: Minimum interest rate (base rate + additional rate – additional transaction discount rate) / Maximum interest rate (base rate + additional rate)
** Additional interest rate is applied differently depending on credit rating, loan period, loan amount, etc.
*** Discounted interest rates by ancillary transaction items: When executing a loan, the discounted interest rate for the selected ancillary transaction item is applied, and thereafter, if the discount conditions are met for all items, including items not selected, the interest rate is reduced every month, and if the conditions are not met every month, the discounted interest rate is automatically increased.
– The maximum legal interest rate according to the Act on Registration of Loan Businesses, etc. and Protection of Financial Users is 24% per annum. – Default interest rate [loan interest rate + default penalty interest rate (3% per annum)]: Up to 15% per annum. (Since the default interest rate may vary depending on the product, please refer to the loan transaction agreement for details.) – Interest imposition period: In principle, collection is made in a post-collection manner and collected in units of 1 month.
※ Upon expiration of the loan period, the contract can be renewed if the bank approves the extension of the period after examining the possibility of extension according to the standards set by the bank. Depending on the customer’s credit rating,
and the loan product, extension is possible through methods such as visiting a branch/extending the customer center/extending through electronic financial channels (Internet banking/smartphone banking).
According to the Stamp Tax Act, when concluding a loan agreement, the tax amount is applied differently depending on the loan amount, and the bank and the customer each bear 50%.
※ Stamp tax related to loans
※ Guarantee fee (rate): Minimum 2.26% per annum ~ Maximum 6.65% per annum of guarantee insurance (varies by borrower. Contact the guarantee institution for details)
(Based on the loan execution date Issued within 1 month)
※ Additional documents may be required during consultation.
※ 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.
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