전북은행 햇살론뱅크 신청조건Jeonbuk Bank Sunshine Loan Bank is a government policy financial product for the common people through the issuance of a certificate of guarantee by the Korea Small Business Finance Promotion Agency. Customers who meet the following conditions can apply. ● Those with an annual income of 35 million won or less
● Those with an annual income of over 35 million won and 45 million won or less and a credit score of 20% of the bottom 100
● Those eligible for a credit guarantee from the Korea Small Business Finance Agency
● Those who have been using policy small business finance products (˚below) for more than 6 months or have not passed 1 year since payment
– New Hope Loan, Worker Sunshine Loan, Business Sunshine Loan, Sunshine Loan 15, Sunshine Loan 17, Sunshine Loan Youth, Safety Net Loan, Safety Net Loan 2, Change Dream Loan, Microfinance
Go to JB Bank App Installation
(Jeonbuk Bank Official App – Galaxy Playstore)
Go to JB Bank App Installation
(Jeonbuk Bank Official App – iPhone App Store)
Here are the ways to apply for Jeonbuk Bank Sunshine Loan Bank without face-to-face contact.
● You can apply for Jeonbuk Bank Sunshine Loan Bank even if you do not have a Jeonbuk Bank account. ● However, you need a third-party account and ID card in your name, and you must register for JB Bank mobile app certificate login in advance.
● Certificate issuance can be applied for non-face-to-face through the Jeonbuk Bank mobile app JB Bank at the link above.
● Application and review take about 5 minutes, and the procedure is as follows.
1. Install JB Bank app
2. Access URL (connected to the JB Haetsal Loan Bank sign-up link in the photo on the left above)
3. Click Sign Up
4. Log in (JB Mobile Certificate, Financial Certificate, Joint Certificate, etc.)
5. Consent to Personal Information
6. Enter information (work information, annual salary, etc.)
7. Proceed with loan review
● The final interest rate of Jeonbuk Bank Haetsal Loan Bank is the sum of the base rate, additional rate, and guarantee fee.
● As of August 17, 2023, the interest rate information for this product is as follows.
The interest rate above plus a guarantee fee of 0.9% to 2% becomes the actual final interest rate. The guarantee fee is 2% as a basic fee, and a preferential interest rate is applied when the following conditions are met.
– Social consideration target: 1.0% reduction
– Financial education and consulting completion: 0.1% reduction
– Low-income youth (annual income of 35 million won or less & 34 years old or younger): 0.5% interest rate reduction
– Social consideration target and low-income youth cannot be applied simultaneously
● Final interest rate
– Minimum 9.87% (base 3.92% + additional 3.95% + guarantee fee 0.9%)
– Maximum 14.97% (base 3.92% + additional 9.05% + guarantee fee 2%)
● Loan limit is provided from a minimum of 5 million won to a maximum of 25 million won.
● The actual loan limit is determined based on the results of the guarantee review by the Korea Small Business Finance Agency, and the amount of existing credit loans and guaranteed debt is deducted from the limit. ● The loan term can be selected from 3 years or 5 years.
● Equal principal and interest repayment method: Repay the principal and interest in equal amounts every month
– The repayment principal increases over time, and the repayment interest decreases by this difference
Calculate loan interest and repayment amount
(Check the monthly payment through the loan interest calculator)
Jeonbuk Bank Sunshine Loan Bank is an important government financial product for the common people that helps ordinary people secure funds and lower loan interest. In particular, it has the advantage of being able to easily process the issuance of a certificate of guarantee and income verification through a non-face-to-face service. If you are already using another high-interest loan product, it would be a good choice to lower the interest rate through Jeonbuk Bank Sunshine Loan Bank, which does not have an early repayment fee.
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