하나저축은행 최저신용자 특례보증Hana Savings Bank announced on the 19th that it will begin selling the ‘Minimum Credit Special Guarantee’ policy financial product for low-credit borrowers, launched by the Financial Services Commission and the Korea Inclusive Finance Agency to prevent illegal private lending damage to low-credit borrowers.
The launch of the minimum credit special guarantee product was designed to protect low-credit borrowers who may be exposed to illegal private lending risks within the system and to expand financial support for low-credit borrowers by providing convenient financial services.
Applicants for this product are those with the lowest credit who have difficulty using the existing policy financial product for low-credit borrowers, ‘Haetsal Loan 15’, have a credit score in the bottom 10% or lower, and have an annual income of 45 million won or less. The loan limit is up to 10 million won, and applications can be made for 3 to 6 years at an annual interest rate of 15.9%.
This product preferentially provides an initial loan limit of up to 5 million won, and additional loans can be made if the principal and interest are repaid normally for 6 months. In addition, the initial interest rate is 15.9% per annum, but if you repay normally, you can receive a 3.0% point (3-year repayment period) or 1.5% point (5-year repayment period) interest rate reduction benefit every year, lowering it to 9.9% per annum.
You can apply for the special guarantee for the lowest credit borrowers through the app of the Small Business Finance Promotion Agency or through offline consultation at the Small Business Finance Integrated Support Center.
Also, after receiving the Small Business Finance Promotion Agency guarantee certificate, you can apply for and execute a loan through the Hana Savings Bank mobile app.
Jeong Min-sik, CEO of Hana Savings Bank, said, “With the start of sales of the special guarantee product for the lowest credit borrowers, we have expanded the scope of support for small business finance and faithfully fulfilled our role as a small business finance institution,” and “We plan to continue to take the lead in supporting small business finance with various products and services in the future.”
