전북은행 햇살론뱅크 신청조건Jeonbuk Bank JB Sunshine Loan Bank is a financial product for the common people, targeting office workers, business owners, and pensioners with low to mid-credit scores. If your annual income is 35 million won or less or your personal credit score is in the bottom 20% and 45 million won or less, you can apply for a loan. The loan limit is applied differentially from a minimum of 5 million won to a maximum of 25 million won. The loan limit is determined based on the customer’s debtor qualifications, the bank’s credit rating, annual income, etc.
Jeonbuk Bank JB Sunshine Loan Bank’s loan interest rate is applied differentially based on the customer’s credit rating. The current lowest interest rate is 4.81% and the highest interest rate is 9.91%. Since the interest rate is applied based on the customer’s credit rating, it is recommended to check your credit rating before applying for a loan.
Jeonbuk Bank JB Sunshine Loan Bank’s loan period is 3 or 5 years. The loan period includes a grace period and is consistent with the guarantee period on the guarantee certificate. You can choose between lump sum repayment at maturity or equal installment repayment of principal and interest. Lump sum repayment at maturity is a method of only paying interest without repaying the principal during the contract period, while equal installment repayment of principal and interest is a method of repaying the principal of the loan in the same amount every month.
You can apply for Jeonbuk Bank JB Sunshine Loan Bank through the mobile app or the Internet. You can access the Jeonbuk Bank app, select a financial product, and click on Loan to apply for JB Sunshine Loan Bank. In the case of JB Customized Loan Review, if you submit documents with a certificate, they will be automatically reviewed and approved, and you can immediately execute the loan without going through the staff review process. The documents required for the loan application are a mobile phone (in your name), ID card, and account verification (in your name).
There is no early repayment fee for Jeonbuk Bank JB Sunshine Loan Bank. Therefore, you can repay early at any time and do not need to pay additional fees.
Please read the product description and terms and conditions before signing a contract with Jeonbuk Bank JB Sunshine Loan Bank. If the loan amount is excessive compared to the ability to repay, your personal credit score may decrease, which may result in disadvantages related to financial transactions. In addition, if the principal and interest that must be paid for a certain period of time are overdue, you may be required to repay all the principal and interest before the contract expiration date. In addition, loans may be restricted for those who are not eligible for loans as determined by the bank and the guarantee institution, such as customers subject to credit management by financial institutions. Therefore, you have the right to receive an explanation of the product before signing the contract, so please obtain sufficient information before applying.
Jeonbuk Bank JB Sunshine Loan Bank is a financial product for the general public, targeting office workers, business owners, and pensioners with low to mid-credit scores. Loan conditions and interest rates, loan periods, and repayment methods are presented. Loan applications can be made through the mobile app or the Internet, and the required documents are a mobile phone (in your name), ID card, and account verification (in your name). There is no early repayment fee, and please read the product description and terms carefully before signing the loan. For more information, please contact Jeonbuk Bank’s Customer Service Center (1588-4477).
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JB Haetsal Loan Bank provides loan support to low- and mid-credit employees, business owners, and pensioners. You can apply for a loan if your annual income is 35 million won or less or your personal credit score is in the bottom 20% and 45 million won or less.
JB Haetsal Loan Bank’s loan limit is determined based on the customer’s debtor qualifications, our bank’s credit rating, and annual income. It is applied differentially from a minimum of 5 million won to a maximum of 25 million won, and the loan limit may vary by individual. JB Haetsal Loan Bank’s loan repayment method can be chosen between lump sum repayment at maturity and equal installment repayment of principal and interest. Lump sum repayment at maturity is a method in which only interest is paid without repaying the principal during the contract period, while equal installment repayment of principal and interest is a method in which the principal is repaid in equal amounts every month.
