OK저축은행 저신용대출Credit Loan
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The average interest rate changes depending on your credit score
Average interest rate
15.78%
Maximum limit
100 million won
123rd
Loan interest rate
12.81% ~ 19.99% per year (fixed, as of December 17, 2024)* Calculation standard: Applied differently depending on your personal credit rating, etc.
Loan limit
Minimum 100,000 won ~ Maximum 100 million won
Loan period
Minimum 12 months ~ Maximum 120 months
Interest rate type
Fixed interest rate
Loan maturity
12 months ~ 120 months
Loan repayment method
Lump-sum repayment method, equal principal and interest installment repayment method, equal principal repayment method
Overdue interest rate
Loan interest rate + 3% (maximum 19.99% per year)
Interest imposition period
Monthly post-payment
Premature repayment fee
* Premature repayment fee: Early repayment loan amount × Early repayment fee rate × (Loan remaining period ÷ Loan period) * Early repayment fee rate: 1.0%, Early repayment fee exemption after 3 years from the initial loan handling date
Application conditions
Customers aged 20 or older with proof of income Customers with a credit score of [NICE] 351 or higher (may be rejected based on our screening criteria)
Required documents
ID, employment and income documents, etc.
Incidental expenses
Handling and other fees: NoneCollection tax: Paid differentially by loan amount, with the customer and savings bank each bearing 50% / 50 million won or less: Tax-free, over 50 million won ~ 100 million won or less: 70,000 won (35,000 won each)
Notes
•You have the right to receive sufficient prior explanation of the product, and please understand the explanation before making a transaction.•Please read the financial product description and terms and conditions before concluding a financial product.•Excessive loans may cause credit rating or personal credit score It may be the cause of a decline. • A decline in your credit rating or personal credit score may result in restrictions or disadvantages in financial transactions. • In case of delinquency, you may be required to repay the principal and interest before the end of the contract period. • OK Savings Bank has various credit loan products, and transaction conditions such as targets, limits, and interest rates vary by product. Please refer to the website for more information. • The interest rate information is calculated based on the time of advertisement posting, and detailed interest rate information must be checked on the website or branch of the financial institution. • The contract can only be made during the time when the financial company can execute the loan. (However, this excludes cases such as financial company inspections.) • OK Savings Bank Customer Center: 1899-7979 (Inquiries can be consulted 24 hours a day)
