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Hana Savings Bank announced on the 19th that it will sell the ‘Minimum Credit Special Guarantee’ policy financial product for low-credit borrowers launched by the Financial Services Commission and the Korea Inclusive Finance Agency to prevent illegal private lending damages for low-credit borrowers.
The Minimum Credit Special Guarantee product was created to actively participate in the financial authorities’ policy to support the financially excluded, protect low-credit borrowers who may be exposed to illegal private lending risks within the system, and expand financial support for low-credit borrowers by providing easy and convenient financial services.
Applicants for this product are low-credit borrowers who have difficulty using the existing policy financial product ‘Haetsal Loan 15’, have a credit score in the bottom 10% or lower, and have an annual income of 45 million won or less. The loan limit is up to 10 million won, and applications can be made for 3 to 6 years (including a 1-year grace period for interest-only payments) at an annual interest rate of 15.9%. This product is designed to give preference to faithful repayers, with an initial loan limit of up to 5 million won, and additional loans can be received after regular repayment of the principal and interest for 6 months. In addition, the initial interest rate is 15.9% per annum, but if you repay normally, you can receive a 3.0% point (p) (3-year repayment agreement period) or 1.5%p (5-year repayment agreement period) interest rate reduction benefit every year, lowering it to 9.9% per annum.
You can apply for the ‘Special Guarantee for Low-Credit Individuals’ through the Small Business Finance Promotion Agency app or offline consultation at the Small Business Finance Integrated Support Center. After the Small Business Finance Promotion Agency issues a guarantee, you can apply for and execute a loan through the Hana Savings Bank mobile app.
Jeong Min-sik, CEO of Hana Savings Bank, said, “Starting with the Special Guarantee for Low-Credit Individuals, we have expanded the scope of support for small business finance and have been able to more faithfully fulfill our role as a small business finance institution,” and added, “We plan to continue to take the lead in supporting small business finance with various products and services.” Related News
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