신한저축은행 사잇돌2 대출When running a business, there are many times when you need money urgently, such as employee salaries, client payments, living expenses, etc. However, there are times when you cannot get a credit loan because your credit score is not good. These days, there are so many products that allow you to get a non-face-to-face loan, so while it is convenient, there are many cases where you have to carefully consider qualifications, interest rates, etc.
Today, we will look at the application method, loan qualifications, conditions, interest rates, etc. for the Sunshine Loan and Shinhan Savings Bank Saitdol 2 Loan, which are government-supported products among the many loans.
You must have income from at least one of the three categories below to apply and a minimum credit rating is required.
1. Salary earner: Annual income of 12 million won or more, employed at current job for more than 5 months
2. Business income earner: Annual income of 6 million won or more, 4 or more businesses (based on business registration opening date)
3. Pension earner: Annual income of 6 million won or more, pension recipient for more than 1 month (limited to national pension, civil servant pension, private school teacher pension)
4. Common information: Available only to Koreans over 19 years of age residing in Korea who have passed the SGI Seoul Guarantee Insurance guarantee screening.
1. Loan limit: KRW 1 million ~ KRW 30 million (within the scope of the guarantee)
2. Loan interest rate: 9.0% ~ 17.0% per year (differentially applied according to SGI Seoul Guarantee Insurance grade and our CSS interest rate grade)
3. Loan period: Up to 5 years (1 to 5 years)
We calculated the interest rate if a loan of up to 30 million won was made at an interest rate of 9.0% per annum for 5 years.
The monthly repayment amount is 622,751 won per month because it is an equal repayment of principal and interest. The total loan interest is 7,365,039 won.
Since you have to repay 622,751 won per month for 5 years, please borrow as much as you really need and at a level where you can afford to repay.
1. Repayment method: Principal and interest installments (principal and interest paid in installments on the application payment date each month: Interest collected later)
2. Early repayment fee: None
1. Incidental expenses: No stamp tax (section where stamp tax does not occur)
2. Delinquent interest rate: agreed upon interest rate + 3% per year (legal maximum interest rate within 20% per year)
[Documents proving loan eligibility] / Only those issued within 1 month are accepted.
1. Salary earner: Proof of employment, proof of national pension subscription, certificate of health insurance qualification (select one)
2. Business income earner: Business registration certificate, business registration certificate, entrustment contract, etc. (Choose 1)
3, Pension earner: Pension receipt certificate, certificate from payment institution
[Income Amount Proof Document] / Only those issued within 1 month are accepted.
1. Salary earner: Earned income withholding receipt for year-end tax settlement, income amount certificate issued by the tax office, confirmation of subscription details for pension settlement, national health insurance health, long-term care insurance premium payment confirmation (choose one)
2. Business income earner: Certificate of income amount issued by the tax office, confirmation of subscription details for pension settlement, national health insurance, long-term care insurance premium payment confirmation, business income withholding receipt, resident’s business income withholding receipt (select one)
3. Pension earner: Confirmation of pension recipient, certificate from payment institution, copy of pension receipt bankbook
1. Persons subject to credit management by financial institutions (those who are bankrupt or have suspended current account transactions, those registered as persons subject to credit management in accordance with the Korea Credit Information Service’s “Credit Information Management Rules,” etc.)
2. Those for whom personal rehabilitation procedures have been approved, those for whom credit recovery support has been confirmed, and those for whom bankruptcy exemption has been determined.
3. Those who are in arrears on loans, credit cards, etc. from our company and financial institutions
4. A person who has failed to fully repay the debt as an insured accident victim or joint guarantee debtor under “Seoul Guarantee Insurance”
5. Persons whose insurance subscription is restricted in accordance with the internal review standards of “Seoul Guarantee Insurance”
6. In case of other reasons for rejection by the Savings Bank CSS
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