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* The following information is provided prior to the contract to help customers understand, and the actual contract contents are based on the bankbook or certificate.
* Please check the product description and terms and conditions before signing the contract.
* You have the right to receive sufficient prior explanation of the product, and please make a transaction after understanding the explanation.
Trust Loan
For customers in excellent positions, you can easily apply online or by phone, and after screening, you can use a loan of up to 50 million won without collateral. Customers aged 19 or older who can prove their income
NICE credit score 600 or higher
3 million won or more and 50 million won or less (Loan limit applied differently depending on personal credit score)
Lump sum repayment at maturity: Minimum 12 months ~ Maximum 60 months
Equal principal and interest installment repayment: Minimum 12 months ~ Maximum 84 months
Choose one of lump sum repayment at maturity or equal principal and interest installment repayment (Repayment in won units on the monthly contract date set by the bank)
Monthly deferral
Minimum 5.9% ~ Maximum 18.6% (as of July 2021)
* Differential application depending on personal credit score and income
Agreeable interest rate + 3% per annum (default interest rate of up to 20%)
If partial or full repayment of the principal is made within 3 years from the loan date, 2% or less is applied to the repayment principal
※ Loan amount for early repayment × Early repayment fee rate (within 2%) × remaining loan days / loan agreement period
Other fees: None
Loan recruiters cannot request or receive separate fees, and the loan recruiter fee rate can be checked on the loan guide screen of the Moa Savings Bank website (https://www.moasb.co.kr).
Resident registration copy, ID copy, other (income verification documents, etc.)
Right to request interest rate reduction
If your credit score or other repayment ability has changed since the loan execution date, you can request an interest rate reduction. (For more information, see other attached files.)
Right to cancel a loan contract
The financial consumer has the right to request to cancel the contract without disadvantage during the deliberation period for the loan contract (For more information, see other attached files.)
Please consult with the person in charge for more information. Compliance Supervisor Review No. 2021-341 (2021.07.06) / Validity Period: (2021.07.06 ~ 2022.07.05)
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