BNK저축은행 사잇돌2Credit Loan
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The average interest rate changes depending on your credit score
Average interest rate
14.71%
Maximum limit
30 million won
93rd
Loan interest rate
Loan limit
Up to 30 million won
Loan period
12 to 60 months (in 12-month increments)
Interest rate type
Fixed interest rate
Loan maturity
12 to 60 months (in 12-month increments)
Loan repayment method
Principal/principal and interest equal installment repayment method
Application method
Mobile
Overdue interest rate
Agreement interest rate + 3% per annum (within 20% of the maximum legal interest rate)
Interest imposition period
Monthly post-payment
Premature repayment fee
None
Application conditions
19 years of age or older, current job tenure of 5 months or more, annual income of 12 million won or more (passed SGI Seoul Guarantee Insurance guarantee screening)
Required documents
ID
Ancillary expenses
None
Notes
·Savings bank screening criteria and customers The loan is determined based on your credit rating. · The loan interest rate may change depending on the fluctuation of the base interest rate. · 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 of the loan or interest payment is delayed, the default interest rate will be applied, and you may suffer financial disadvantages such as offsetting with deposits or other claims or legal procedures. · Excessive borrowing may cause your personal credit score to drop. · A decrease in your personal credit score may result in restrictions or disadvantages in financial transactions. · In case of late payment, you may be liable to repay the principal and interest before the end of the contract period. · Please check the product description and terms and conditions before signing the contract. · You have the right to receive a sufficient prior explanation of the product, and please understand the explanation before making a transaction. ·If the customer who is the debtor is recognized as having improved his/her credit status or strengthened collateral (such as employment or other job change, promotion, improvement in credit rating or personal credit score, selection as a premium customer, increase in income, acquisition of qualification, increase in assets, etc.), he/she may submit an “Application for Loan Interest Rate Reduction” with supporting documents to the company to request an interest rate reduction. However, please note that an interest rate reduction may not be possible depending on the results of the review. ·For other details, please contact the BNK Savings Bank Call Center (1688-7009) or be sure to refer to the product description.
