하나저축은행 햇살론easy table of contents
I am a financial expert with over 10 years of experience and have dealt with various Sunshine Loan products.
As a result of examining the Sunshine Loan products of various financial institutions, Hana Savings Bank’s Sunshine Loan has differentiated features compared to other financial companies.
In this article, we will tell you in detail the advantages of Hana Savings Bank’s Sunshine Loan.
By investing just one minute, you will get the best information you won’t regret when choosing a Sunshine loan!
The basic conditions of Hana Savings Bank’s Sunshine Loan are not much different from those of other savings banks.
However, there are some notable features, which can be found in the product features section below.
The maximum limit for a Sunshine Loan is nominally 20 million won, but the guarantee limit has been greatly reduced since the middle of last year, so it is actually limited to around 7 to 8 million won.
However, Hana Savings Bank’s Sunshine Loan allows loans of up to 20 million won if you own assets such as a house or car.
Additionally, if you apply for a loan directly through the Hana Savings Bank mobile app, it offers the lowest interest rate among savings banks.
If your Hana Savings Bank Sunshine Loan is rejected, you can consider the financial products below.
The basic conditions of the Sunshine Loan are the same, but the detailed conditions are slightly different for each financial institution, so please take this into consideration when applying for a loan.
Korea Savings Bank’s Sunshine Loan is relatively easy to approve even for people with low credit who have been rejected for Sunshine Loans from other financial institutions.
Learn more
Kiwoom Savings Bank’s Sunshine Loan requires the most documents and has the strictest screening process among savings banks.
However, compared to this, the interest rate is not particularly low.
Learn more
SBI Savings Bank Sunshine Loan can be applied for by not only office workers but also business owners and freelancers.
Learn more
Reviews from Hana Savings Bank Sunshine Loan users are generally satisfactory.
The advantage is that the interest rate is lower than that of general credit loans, and depending on your income and credit rating, you can receive a loan of up to 20 million won.
In addition, many people say that Hana Savings Bank is convenient because you can apply for a loan non-face-to-face.
Using a Sunshine Loan may lead to a decline in your credit rating.
A credit rating downgrade results in disadvantages such as restrictions on financial transactions and increased loan interest rates.
Additional late fees and fines may apply for late payments.
In serious cases, an obligation to repay principal and interest may arise before the expiration of the contract period.
If your credit rating improves after taking out a loan, you can apply for an interest rate reduction.
Whether and how much to reduce will be determined after bank review.
You can withdraw your application within 14 days from the loan execution date.
No loan amount or interest will accrue upon withdrawal.
Hana Savings Bank’s Sunshine Loan is an attractive product with advantages such as high loan limit, low interest rate, and easy application.
If you own a house or a car, please note that the Hana Savings Bank Sunshine Loan offers the largest limit.
Additionally, if you apply directly, the lowest interest rate will be applied.
Reference site: Hana Savings Bank Sunshine Loan
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