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Minimum 3.0% per annum ~ Maximum 15.0% per annum (as of August 2024)
Loan interest rate calculation standard = Our bank’s base rate + additional rate*
*Additional rate: Differentially applied based on internal review
※ In the case of consortium loans, different applications are made based on the loan agreement
Interest date: 21st (next business day in case of holidays)
Weekly commission: When acting as an agent or representative of other lenders when handling consortium loans such as PF loans, a fee may be incurred within the statutory interest limit including the loan interest rate (※including agency bank commission)
Limit agreement fee: When there is a separate agreement on the loan (limit) amount, a fee may be incurred within the statutory interest limit including the loan interest rate
Agreed limit unused fee: When there is a separate agreement on the unused amount of the loan (limit) amount, a fee may be incurred within the statutory interest limit including the loan interest rate
Customers with low credit ratings or personal credit scores as a result of our credit evaluation and If you are a credit management target (including credit recovery support or personal rehabilitation), your loan may be restricted.
If you extend the term at the time of loan maturity, the interest rate may decrease or increase depending on your credit rating and personal credit score.
General financial consumers may withdraw their subscription to a contract within 14 days from the date of contract signing, the date of receiving the contract documents, or the date of receiving the loan. (However, you cannot cancel it after the withdrawal right has been exercised and has become effective.)
In order to withdraw the subscription, you must express your intention to withdraw the subscription to the savings bank through a branch, internet banking, smart banking, etc., and return the loan already received and its interest, the stamp duty paid by the savings bank to a third party in relation to the loan, and the cost of establishing a mortgage, etc.
If you exercise the right to withdraw the loan contract, the early repayment fee is waived, and the loan information related to the loan in question will be deleted within 5 business days. If you abuse your right to cancel a loan contract and cancel a loan contract with the relevant savings bank more than twice within the past month, you may face disadvantages such as rejection of new loans or extensions, reduction of loan limits, and 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 cancel the contract without imposing penalties or other fees. In the event of a recommendation to enter into a loan contract that is deemed inappropriate (violation of Article 17, Paragraph 3 of the Act)
In the event of failure to inform or obtain confirmation of the fact that the loan product is inappropriate (violation of Article 18, Paragraph 2 of the Act)
In the event of failure to fulfill the duty of explanation (violation of Article 19, Paragraphs 1 and 3 of the Act)
In the event of an unfair business practice (violation of Article 20, Paragraph 1 of the Act)
In the event of an unfair solicitation practice (violation of Article 21 of the Act)
In order to exercise the right to terminate an illegal contract, a financial consumer must request termination of the contract by attaching documents proving the violation to the contract termination request form within one year from the date of learning of the violation and within five years from the date of contract conclusion (by mail, e-mail, text message, etc.). The right to request a reduction in interest rates refers to the right (Article 14-2 of the Savings Bank Act) that allows financial consumers to request a reduction in the interest rate applied to them from a savings bank when they believe their credit status has improved (e.g. employment, promotion, increase in assets, increase in personal credit score, etc.).
The right to request a reduction in interest rates can be applied for by visiting a branch or through non-face-to-face channels (Internet banking, mobile banking, call center, etc.) (no restrictions on the time or number of applications), and savings banks may request customers requesting a reduction in interest rates to submit documents necessary to confirm the improvement in credit status.
If a request for a reduction in interest rates is made for a product where the improvement in credit status is minor or credit status does not affect the interest rate, the customer’s request for a reduction in interest rates may not be accepted.
The savings bank will notify the customer of whether or not the request for a reduction in interest rates has been accepted and the reason for the request within 10 business days from the date of receiving the request for a reduction in interest rates (excluding the period from the date the customer is requested to supplement the data to the date the data is submitted). Hanwha Savings Bank Compliance Supervisor Shim Ui-pil No. 2024-81 (2024.08.14.~2025.08.13.)
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