햇살론 뱅크 조건What is Sunshine Loan Bank?
Sunshine Loan Bank is a product that supports low-credit and low-income people who used existing policy microfinance products to settle into the banking system when their debt or credit rating has improved. Simply put, it has the characteristics of an intermediate loan product that uses general commercial bank loans.
What is the Sunshine Loan Bank support target and loan limit?
Sunshine Loan Bank is a product that allows loans of up to 25 million won for 3 or 5 years at an interest rate of 2.6 to 9% for customers who have used Sunshine Loans and policy microfinance products for more than 6 months.
If we look at the qualifications for support in detail, we can look at those who have had more than 6 months of regular use of policy microfinance products such as Sunshine Loan 15, Sunshine Loan 17, Sunshine Loan Youth, and New Hope Spore, or have had less than 3 years of regular payment, and have no debt or credit rating. If you have improved low income or credit, you can use Sunshine Loan Bank.
If you want to check whether your credit rating has improved to apply for Sunshine Loan Bank, you can check more accurately through the Korea Inclusive Finance Agency app. After registering as a member of the Korea Inclusive Finance Agency app, you can make a preliminary inquiry by entering information in the Sunshine Loan Bank section. You can check in advance whether you are eligible or not.
The loan limit is from a minimum of 5 million won to a maximum of 25 million won, and how much an individual can receive can only be confirmed after an accurate screening. The loan limit has been temporarily increased until the end of 2023.
The loan period can be up to 3 or 5 years without early repayment fees. If you choose 3 years, you will be given a grace period of 1 year and a 2-year principal and interest repayment period. If you choose 5 years, you will be given a grace period of 1 year and a 4-year principal and interest repayment period.
What interest rate are you most concerned about and how to apply?
The most sensitive part regarding loans is ‘interest rate.’ The interest rate may vary depending on the bank from which the loan is taken and the circumstances, but the interest rate is usually around 2.9-6% per year. At this time, if you are eligible for social consideration, the existing interest rate will be reduced by 1%, those who have completed financial education consulting will be reduced by 0.1%, and young people (ages 19 to 34) with an annual income of 35 million won or less will be reduced by 0.5%.
How to use: 13 participating banks (BNK Kyongnam Bank, Gwangju Bank, KB Kookmin Bank, IBK Industrial Bank, NH Nonghyup Bank, DGB Daegu Bank, BNK Busan Bank, SH Suhyup Bank, Woori Bank, Jeonbuk Bank, Jeju Bank) , Hana Bank, Shinhan Bank) You can apply by visiting the branch in person or through the app.
Documents required to apply for Sunshine Loan Bank include proof of employment/business and proof of income to confirm employment or business operation for more than 3 months (or receipt of pension at least once), and a real-name verification certificate such as a resident registration card is commonly required. do.
