개인사업자 햇살론 자격조건(As of 2022.09.01.)
Online Sunshine Loan is only available to workers who make a living (limit of 20 million won)
* Loan interest rate = base interest rate + additional interest rate
– Base interest rate: Weighted average interest rate for one-year maturity term deposits of all savings banks in the previous month
– Additional interest rate: Applied differently depending on customer credit rating, etc.
* Social consideration target: 1% reduction per year (Social consideration target: single parent/grandparent family, multicultural family, North Korean defector, registered disabled person, recipient of national basic livelihood security, second-lowest class)
* Guarantee fee reduction for those who have completed financial education and consulting: 0.1%p (‘21.7.26 / Those who have completed debt consulting at the Korea Inclusive Finance Agency within 1 year prior to the date of application from new applications received)
* Low-income youth (less than 35 million won per year and under 34 years of age): 0.5% reduction
* Work incentive recipients and self-supporting workers: 1% reduction
IBK Savings Bank Compliance Officer Deliberation No. 2022-124 (2022.08.31~2023.08.30)
