하나저축은행 최저신용자 특례보증The sale of the lowest credit special guarantee product was created to protect the lowest credit borrowers who may be exposed to illegal private financial risks within the system and to expand financial support for ordinary people by participating in the financial authorities’ policy to support the financially excluded. Applicants are those with the lowest credit who have difficulty using the existing policy financial product for ordinary people, Sunshine Loan 15, and have a credit score in the bottom 10% or lower and an annual income of 45 million won or less. The loan limit is up to 10 million won. Applications can be made for 3 to 6 years (including a 1-year grace period for interest-only payments) at an annual interest rate of 15.9%.
This product preferentially treats faithful repayers, and the initial loan limit is up to 5 million won. Additional loans can be received if the principal and interest are repaid normally for 6 months. The initial interest rate is 15.9% per annum, but if you repay normally, you can receive a 3.0% point (3-year repayment period) or 1.5% point (5-year repayment period) interest rate reduction benefit every year, lowering it to 9.9% per annum.
Applications can be made through the Small Business Finance Promotion Agency app or offline consultation at the Small Business Finance Integrated Support Center. After the Small Business Finance Promotion Agency issues a certificate of guarantee, you can apply for and execute a loan through the Hana Savings Bank mobile app.
Jeong Min-sik, CEO of Hana Savings Bank, said, “By starting to sell the lowest credit special guarantee product, we have expanded the scope of financial support for small businesses and have become more faithful to our role as a small business financial institution,” adding, “We will continue to work hard to support small businesses with various products and services.”
Reporter Jang Sang-oh fic@thereport.co.kr
