전북은행 햇살론뱅크 신청조건Credit Loan
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The average interest rate changes depending on your credit score
Average interest rate
11.94%
Maximum limit
25 million won
56th
Main features
A government-supported loan from the first financial sector that provides lower interest rate benefits to customers who faithfully repay various government-supported loans
Loan interest rate
Minimum 6.64% per annum ~ Maximum 12.55% per annum (as of July 24, 2023)
– Base interest rate: Market base rate (Financial bond AA+) 3.78% per annum (variable for 3 months), 3.84% per annum (variable for 6 months), 3.92% per annum (variable for 12 months) – Additional interest rate: 2.86% per annum ~ 8.63% per annum – Minimum: Loan amount 25 million won, Loan period 5 years, Credit rating JBCR 1st grade, Variable interest rate (3 months), Equal principal repayment, Living expenses, Guarantee ratio 90% – Maximum: Loan amount 25 million won, Loan period 5 years, credit rating JBCR 6-grade, variable interest rate (12 months), equal principal and installment repayment, living expenses, guarantee ratio 90% ※ Base interest rate: market base rate (financial bond AA+), variable for 3 months/6 months/12 months ※ The additional interest rate includes preferential interest rate and policy reduction interest rate, and the presented interest rate includes the guarantee rate. ※ Applied differentially depending on the customer’s credit rating. ※ Korea Inclusive Finance Agency guarantee rate: 0.9% ~ 2.0% per annum (guaranteed rate: 90%) ※ Guarantee rate reduction – 1.0%p per annum reduction for social consideration recipients (including recipients of earned income tax credit and self-supporting workers) – 0.5%p per annum reduction for low-income youth (however, cannot be applied simultaneously with social consideration recipients) – 0.1%p per annum reduction for those who have completed financial education and consulting at the Korea Financial Investment Services and Capital Markets ※ Low-income youth: Those who are 34 years of age or younger at the time of application and have an annual income of 35 million won or less Case※ Whether or not to request interest rate reduction: Target
Loan limit
Minimum 5 million won ~ maximum 25 million won (in units of 100,000 won)※ Differential depending on the Citizens’ Finance Promotion Agency’s guaranteed CSS rating and credit and debt improvement
Loan period
3 years or 5 years (including grace period)※ Grace period: Up to 1 year
Loan repayment method
Equal installment repayment of principal and interest – Equal installment repayment of principal and interest: A method of repaying the principal and interest in the same amount every month
Application method
Overdue interest rate
Loan interest rate + 3% or less (maximum 15% per annum or less)- If the loan maturity date has passed or 1 month has passed since the interest payment was due, or if the installment repayment principal and interest are delayed twice or more consecutively, a late payment penalty is imposed on the loan balance.- If the payment of interest and principal or the repayment of the loan is delayed, a late payment penalty rate (contracted interest rate + 3%, maximum 15% per annum) is incurred.- The contracted interest rate If it is higher than the late payment penalty rate, the agreed interest rate is applied. Interest imposition period
Post-payment on the monthly interest payment date (repayment date cannot be changed)
Early repayment fee
Early repayment fee: Exempt
Review guide
In the case of JB Sunshine Loan Bank, if the documents submitted with a certificate are automatically reviewed and approved, the employee review process can be omitted and the loan can be executed immediately. ※ In the following cases, automatic review may not be applied. – If the documents are not submitted normally – If the employment information does not match – If the subject is excluded from automatic review according to the internal regulations of the bank
Method of contract termination or renewal
Contract termination: Contract termination after full payment through a branch or internet banking Contract renewal: Not possible
Loan interest calculation method
Loan amount X Loan interest rate X Number of payment days / 365 days (366 days in a leap year)
Application conditions
Individual business customers who meet all of the following conditions – Customers eligible for a credit guarantee from the Korea Small Business Corporation – Users who have faithfully repaid policy small business finance products for more than 6 months (currently using them normally or within the past 3 years) (Normal full-time payer) ※ Policy small business finance products: New Hope Holssi, Sunshine Loan 15, Sunshine Loan 17, Sunshine Loan Youth, Safety Net Loan, Safety Net Loan II, Change Dream Loan, Microfinance, Worker Sunshine Loan, Business Sunshine Loan – Our bank’s credit rating (combined): Customers with a grade of 6- or higher
Employment conditions – Salaried workers: Employment period of 3 months or more – Business income earners: Business operation period of 3 months or more – Pension income earners: Pension receipt at least once (public pension)
Income conditions – Annual income of 35 million won or less or lower 20% of personal credit rating and annual income of 45 million won or less
Required documents
Common documents: Resident registration, etc., certificate of absence of guardianship registration Workplace and income documents (issued within 1 month of the loan application date) ① Salaried workers: Certificate of employment, proof of earned income ② Business income earners: Business registration certificate, proof of business income ③ Pension income earners: Pension beneficiary certificate, pension receipt certificate
Ancillary expenses
Cognitive tax: Tax-free
Notes
If the loan application information does not meet our standards, the loan may be rejected. Please read the product description and terms and conditions before signing the contract. The above contents may vary depending on the application channel and the results of the review. If the amount of loan used is excessive compared to the ability to repay, your personal credit score may decrease. A decrease in your personal credit score may result in disadvantages related to financial transactions. If the principal and interest that must be paid for a certain period are overdue, you may be obligated to repay all principal and interest before the contract expiration date. Loans may be restricted for those who are ineligible for loans as determined by our bank and guarantee institutions, such as customers subject to credit management by financial institutions. You have the right to receive an explanation of the product in accordance with Article 19, Paragraph 1 of the Financial Consumer Protection Act. This material was prepared in accordance with laws and internal control standards. For more information, visit the Jeonbuk Bank website (www.jbbank.co.kr) or Jeonbuk Bank. Please contact customer service center (1588-4477).
