신한저축은행 참신한대출Shinhan Savings Bank’s Fresh 500 is a small credit loan product for low-credit and unemployed people. We will tell you about the conditions, limits, interest rates, application methods, and reviews of Fresh 500.
This product is for the unemployed and low-credit people, and you can receive a loan of up to 5 million won based on your estimated income.
You can apply without face-to-face contact or documents through the Shinhan Savings Bank app, and you can receive the loan even on weekends.
＊ We also introduce alternative products for those who do not meet the loan conditions or limits between postings, so please find out which loan product is right for you.
30 years old or older, NICE 590 points or higher, and estimated annual income of 12 million won or more
Fresh 500 is for customers who are 30 years old or older, have a NICE credit score of 590 or higher, and have an estimated income of 12 million won or more. A credit score of 590 is equivalent to level 8 based on the previous credit rating. Therefore, it is a product that even those with low credit can easily apply for.
Lastly, it is reviewed through estimated income. Estimated income is estimated based on credit card usage, health insurance premium payment, and national pension payment. Even those without income, such as unemployed people and housewives, can get a loan through credit card usage history.
However, college students, graduate students, and those subject to restrictions on handling cannot receive this loan.
Those who are not eligible for credit and foreigners subject to credit management Those who are in arrears on credit cards and loans
※Loans that college students can also receive
You can borrow up to 5 million won. It can be seen as similar to the emergency fund loan limit of ordinary second-tier financial savings bank products.
The interest rate can range from a low of 11.9% to a high of 19.9%. However, the average interest rate of those who actually received this loan is high at 18.78%. You can find out the exact interest rate and limit by checking it yourself.
The loan period can be set from 1 year to a maximum of 3 years, and only equal principal and interest installment repayment is possible.
Equal principal and interest installment repayment is a method of repaying the principal and interest equally over the loan period. Since there is no early repayment fee for this product, you can pay without a fee whenever you want to repay.
The only regret is that it does not allow overdraft accounts.
※ Please note that there are also small-sum secondary financial loan products that allow overdraft accounts.
▶ Learn about Kiwi emergency loan (overdraft account possible)
This is a table that calculates the interest payment amount by interest rate, loan period, and monthly amount when receiving a novel 500 loan. Based on the average interest rate of 18.78%, when borrowing 5 million won, you have to pay 460,000 won per month for a 1-year term, 251,510 won for a 2-year term, and 182,720 won for a 3-year term.
Review of a 3 million won loan for the unemployed
This is a case where a freelancer applied as unemployed because it was difficult to prove income, but received a loan of 3 million won.
In this case, the credit score is NICE 590 and there are loans, but there are no delinquencies. In the case of this product, even if you are unemployed, if you have excessive existing loans or no delinquencies, the probability of approval is high.
Places where weekend loans are available
If you apply on the weekend and are approved, you can get a weekend loan. However, since it may vary from person to person, it is best to inquire during consultation.
Shinhan Savings Bank’s Shinshinhan 500 is conducted without documents and in a non-face-to-face manner. You can apply at any time with just a public certificate and ID. Download Shinhan SOL Savings Bank app (Google Play)
Download Shinhan SOL Savings Bank app (App Store)
Shinhan Savings Bank’s innovative 500 loan is a loan that can be applied for very easily at any time without documents or face-to-face contact. Even if you apply on the weekend, you can receive the loan on the same day, so please take note if you need urgent funds. If you have any questions about the product, please contact the customer center (1644-7777).
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