사잇돌 대출‘Certification’ search results
Salary income earner, business income earner, pension income earner (those who meet SGI internal regulations)
– Salary income earner: Employed for more than 5 months, annual income of 12 million won or more
– Business income earner: Business income earner for more than 4 months, annual income of 6 million won or more
– Pension earner: Received public pension more than once and annual income is 6 million won
※ Personal credit score is irrelevant (However, those who have passed the Seoul Guarantee Insurance CSS)
12.0%~19.5% per year
Interest rate calculation standard
– The base interest rate is determined by SGI CSS regulations.
Repayment in equal installments of principal and interest
doesn’t exist
–
The above information may change depending on the bank’s credit and interest rate policies.
Loan availability, limit and interest rate are determined according to the bank’s credit handling standards and customer credit rating, and loans may be restricted to those subject to credit information management by financial institutions and those who are ineligible as determined by the bank.
If certain requirements are met, such as an improvement in credit status compared to the time of the credit agreement, an interest rate reduction may be requested in accordance with the Bank’s procedures (however, loan products and policy fund loans where the interest rate is determined regardless of the borrower’s credit status are excluded).
Please be aware that requests for money or fees from loan originators, etc. in relation to loans are illegal. If you have paid money, please report it to the Financial Supervisory Service to receive relief from damages.
(Financial Supervisory Service Reporting Center 02-3145-8530) If repayment of a loan or payment of interest is delayed, a delinquent interest rate is applied, and property disadvantages are incurred through registration as a subject of credit information management due to delinquency, etc., offset with other claims such as deposits, or legal procedures, etc. You may get hit.
General financial consumers can withdraw their subscription to a contract within 14 days from the date of conclusion of the contract, the date of receipt of the contract documents, or the date of receipt of the loan. (However, once the right of withdrawal has been exercised and becomes effective, it cannot be cancelled.)
In order to withdraw a subscription, you must express your intention to withdraw your subscription to the savings bank through a branch, internet banking, smart banking, etc., and you must also notify the savings bank of the loan amount already received, the interest thereon, the stamp duty borne by the savings bank to a third party in relation to the loan, and the mortgage lien. Setup costs, etc. must be refunded.
If you exercise your right to withdraw from a loan contract, the early repayment fee will be waived, and loan information related to the loan will be deleted within 5 business days.
If you abuse your right to withdraw a loan contract and withdraw a loan contract with the relevant savings bank more than twice within the past month, you may be subject to disadvantages such as rejection of new loans or maturity extensions, reduction of loan limits, or restrictions on preferential interest rates.
If a financial company enters into a loan contract in violation of the following obligations under the Financial Consumer Protection Act, the financial consumer may terminate the contract without imposing penalties or other fees.
When recommending the conclusion of a loan contract that is deemed unsuitable (violation of Article 17 (3) of the Act)
Even if the loan product is not appropriate, if the fact is not reported or confirmed (violation of Article 18 (2) of the Act)
Failure to fulfill the obligation to explain (violation of Article 19 (1) and (3) of the Act)
In case of unfair business practices (violation of Article 20 (1) of the Act)
In case of unfair solicitation (violation of Article 21 of the Act)
To exercise the right to terminate an illegal contract, a financial consumer must submit a contract termination request within 1 year from the date of becoming aware of the violation of the law, or within 5 years from the date of conclusion of the contract, by attaching documents proving the violation to the contract termination request form in writing (mail, e-mail, text message). You must request termination of the contract via message, etc.).
The right to request an interest rate reduction refers to the right of a financial consumer to request a reduction in the interest rate applied to him/her from a savings bank when he/she determines that his/her credit status has improved (employment, promotion, increase in assets, increase in personal credit score, etc.) (Article 14 of the Savings Bank Act). This refers to condolence 2).
The right to request an interest rate reduction can be applied for by visiting a branch or through non-face-to-face channels (internet banking, mobile banking, call center, etc.) (there are no restrictions on the timing or number of applications), and savings banks confirm the improvement in credit status of customers requesting an interest rate reduction. You may be asked to submit necessary materials.
If the customer’s interest rate reduction request is made for a product with little improvement in credit status or where credit status does not affect the interest rate, the customer’s request for an interest rate reduction may not be accepted.
The Savings Bank will notify you within 10 business days from the date of receiving the interest rate reduction request (the period from the date of requesting supplementary data to the customer to the date of submission of data is not included) and whether or not the interest rate reduction request will be accepted and the reason for such request.
Kiwoom Yes Savings Bank Compliance Officer Deliberation No. 2023-125 (2023.07.29.~ 2024.07.28.)
Main number: 02-3978-600 / 02-3978-800 | Financial fraud reporting night call center: 02-3978-600,800
Kiwoom Yes Savings Bank door-to-door sales employee inquiry
Please inquire about loan collection companies through the Korea Federation of Banks integrated inquiry service. Shortcuts
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