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Existing or current customers of our bank, individuals aged 19 to 35
Credit score [NICE] 671 or higher (Loan handling may be restricted for those with delinquent loans or unsound loans due to qualification requirements for financial consumers.)
Annual interest rate 14.80% to 19.95%
Loan interest rate calculation standard: Our bank’s base rate + additional rate (differentiated according to customer credit rating, fixed rate applied)
If the loan maturity date has passed, delinquent interest will be charged on the loan balance.
If the loan is not repaid after the loan maturity date has passed, legal procedures may be unavoidably initiated.
Loan limits and interest rates are applied differently according to the screening criteria and customer credit rating. Right to request interest rate reduction: If your credit status has significantly improved (increased credit rating or personal credit score, provision of additional collateral, etc.) compared to the time of signing the loan contract, you can request an interest rate reduction by submitting supporting documents to the financial institution (at the counter, by fax, etc.). However, if your credit status does not affect the interest rate calculation at the time of signing the contract, or if the improvement in your credit status is minor and does not affect the recalculation of the interest rate, the interest rate may not be reduced depending on other review results. Right to cancel subscription: General financial consumers can cancel within 14 days of loan execution, but cannot cancel in case of increased loans or partial early repayment. General financial consumers may withdraw their subscription to a contract within 14 days from the date of contract conclusion, the date of receipt of contract documents, or the date of receipt of the loan. (However, cancellation is not possible after the right of withdrawal has been exercised and has become effective.)
To withdraw a subscription, you must express your intention to withdraw the subscription to the savings bank through a branch, internet banking, smart banking, etc., and return the loan amount already received and its interest, stamp duty borne by the savings bank to a third party in relation to the loan, and the cost of establishing a mortgage, etc.
If you exercise the right to withdraw a loan contract, the early repayment fee will be waived, and the loan information related to the relevant loan will be deleted within 5 business days.
If you abuse the right to withdraw a loan contract and withdraw a loan contract with the relevant savings bank more than twice within the past month, you may incur disadvantages such as rejection of new loans and extensions, reduction of loan limits, and restrictions on preferential interest rates. If a financial company enters into a loan contract in violation of the following obligations under the Financial Consumer Protection Act, the financial consumer may cancel the contract without imposing a penalty or other fees.
If the conclusion of a loan contract that is deemed inappropriate is recommended (violation of Article 17, Paragraph 3 of the Act)
If the fact that the loan product is inappropriate is not disclosed or confirmed (violation of Article 18, Paragraph 2 of the Act)
If the obligation to explain is not fulfilled (violation of Article 19, Paragraphs 1 and 3 of the Act)
If an unfair business practice is committed (violation of Article 20, Paragraph 1 of the Act)
If an unfair solicitation is committed (violation of Article 21 of the Act)
In order to exercise the right to cancel an illegal contract, the financial consumer must request cancellation of the contract in writing (mail, e-mail, text message, etc.) by attaching documents proving the violation to the contract cancellation request form within one year from the date of learning of the violation and within five years from the date of contract execution. The right to request a reduction in interest rates refers to the right (Article 14-2 of the Savings Bank Act) that allows financial consumers to request a reduction in the interest rate applied to them from a savings bank when they believe their credit status has improved (e.g. employment, promotion, increase in assets, increase in personal credit score, etc.).
The right to request a reduction in interest rates can be applied for by visiting a branch or through non-face-to-face channels (Internet banking, mobile banking, call center, etc.) (no restrictions on the time or number of applications), and savings banks may request customers requesting a reduction in interest rates to submit documents necessary to confirm the improvement in credit status.
If a request for a reduction in interest rates is made for a product where the improvement in credit status is minor or credit status does not affect the interest rate, the customer’s request for a reduction in interest rates may not be accepted.
The savings bank will notify the customer of whether or not the request for a reduction in interest rates has been accepted and the reason for the request within 10 business days from the date of receiving the request for a reduction in interest rates (excluding the period from the date the customer is requested to supplement the data to the date the data is submitted). Compliance Supervisor Review No. 2024-3 (2024.1.5)
