예가람 저축은행 주부대출* Only credit loans can be refinanced for Daehwa Loan (Big Money U Loan, Live U Loan)
Loan Period | 12 months ~ 60 months (Saetdol 2) / 12 months ~ 120 months (Big Money M, Live M, Big Money U Loan, Live U Loan)
Loan Repayment Method | Equal installment repayment of principal and interest
Interest Imposition Period | Monthly Post-payment
Loan Repayment Fee | 1.9% (However, only imposed up to 24 months / Live M, Live U Loan, Big Money M, Big Money U Loan)
Loan Repayment Fee Calculation = Early Repayment Loan Amount * Early Repayment Fee Rate * (Loan Remaining Days / Loan Period))
Overdue Interest Rate | Overdue Interest Rate (Delayed Compensation) is applied by adding 3% per annum to the agreed interest rate. (However, it cannot exceed the maximum statutory interest rate.)
Cognitive Cost | 50 million won or less: None
Over 50 million won and up to 100 million won: 70,000 won (50% each for the customer and savings bank/35,000 won for the customer)
Other fees | None
Loan interest rate calculation standard | Loan interest rate = base rate + additional rate
Big Money M loan limit: 3 million won ~ 80 million won (however, housewives can borrow up to 5 million won)
Loan interest rate: 6.8% ~ 17.2% per annum (differentiated based on internal credit rating)
Live M loan limit: 3 million won ~ 80 million won (however, housewives can borrow up to 5 million won)
Loan interest rate: 15.7% ~ 19.9% per annum (differentiated based on internal credit rating)
Big Money U loan limit: 3 million won ~ 80 million won (however, housewives are excluded)
Loan interest rate: 6.8% ~ 17.2% per annum (differentiated based on internal credit rating)
Live U loan limit: 3 million won ~ 80 million won (however, housewives are excluded)
Loan interest rate: 16.2% ~ 19.9% (differentiated according to internal credit rating)
Worker Sunshine Loan
Loan target: Workers with annual income of 35 million won or less or annual income of 45 million won or less and personal credit rating of the bottom 20% (based on personal credit rating agency)
Loan limit: Living expenses – up to 20 million won (including workers for 3 months or more, contract workers, and daily workers)
Loan interest rate: 9 to 11% per year (subject to change according to the Financial Supervisory Service’s notice every month)
Loan period: 3 years or 5 years
Repayment method: Equal installment repayment of principal
Other fees: Guarantee fee rate: Within 2.5% per year (1.5% per year for socially disadvantaged people, 2.0% per year for low-income youth)
Saetdol 2
Loan target: Salaried workers: Employed for 5 months or more, annual income of 12 million won or more
Business income earners: Business operation for 4 months or more, annual income 6 million won or more
Pension income earners: Received pension at least once, annual income of 6 million won or more
Loan limit: Up to 30 million won (within the guarantee limit) (Guarantee limit is automatically granted based on the income, debt level, and internal review of SGI Seoul Guarantee)
Loan interest rate: 13.0% ~ 19.6% per annum (differential application based on SGI personal credit rating)
– Loan eligibility is determined based on the savings bank’s review criteria and customer credit rating.
– Please check the product description and terms and conditions before signing the contract.
– You have the right to receive sufficient prior explanation of the product, and please make a transaction after understanding the explanation.
– Loan interest rates may change depending on changes in the base interest rate.
– If there is a change in personal information at the time of extension, part or all of the loan may be recovered.
– If repayment or interest payment of the loan is delayed, a default interest rate is applied, and you may suffer financial disadvantages due to offsets with other receivables such as deposits or legal procedures. – In case of late payment, you may be required to repay the principal and interest before the end of the contract period.
– Excessive borrowing may cause your personal credit score to decrease.
– Your credit rating or personal credit score may decrease when using a loan product.
– If your credit rating or personal credit score decreases, additional loans may be restricted, loan interest rates may increase, loan limits may be reduced, and other disadvantages may occur.
– For other details, please contact a counter staff member or call the main number (☏: 1877-7788) or be sure to refer to the product description.
– You have the right to receive sufficient prior explanation of the product, and please make a transaction after understanding the explanation.
– The loan interest rate may change according to the base rate fluctuation.
– If there is a change in your personal information at the time of extension, part or all of the loan may be recovered.
– If the repayment or interest payment of the loan is delayed, the late payment interest rate will be applied, and you may suffer financial disadvantages due to offsets with other receivables such as deposits or legal procedures. – In case of late payment, you may be required to repay the principal and interest before the end of the contract period.
– Excessive borrowing may cause your personal credit score to decrease.
– Your credit rating or personal credit score may decrease when using a loan product.
– If your credit rating or personal credit score decreases, additional loans may be restricted, loan interest rates may increase, loan limits may decrease, and other disadvantages may occur.
– For other details, please contact a counter staff member or call the main number (☏: 1877-7788) or be sure to refer to the product description.
Yegaram Savings Bank Co., Ltd.
Representative Name | Noh Yong-hoon
Business Registration Number | 107-86-66267
Address | 50 Sejong-daero, Jung-gu, Seoul
Customer Center | 1877-7788
Savings Bank Central Association Sim Ui-pil | 2024-00992 (2024.08.05~2025.08.04)
Yegaram Savings Bank Compliance Supervisor Sim Ui-pil | No. 2024-265 (2024.10.25~2025.10.24)
