예가람 저축은행 라이브A론Credit loan
Refinancing loan
Housing mortgage loan
Rental deposit loan
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Savings deposit
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Average interest rate changes depending on credit score
Average interest rate
18.35%
Maximum limit
60 million won
131st
Loan interest rate
16.2% ~ 19.9% per year (differentiated according to internal credit rating)* Loan interest rate = Base interest rate + Additional interest rate
Preferential interest rate
None
Loan limit
Minimum 3 million won ~ Maximum 60 million won
Loan period
12 months ~ 120 months
Interest rate type
Fixed interest rate
Loan repayment method
Equal principal and interest method
Overdue interest rate
Overdue interest rate (overdue compensation rate) is applied by adding 3% per year of overdue additional interest rate to the agreed interest rate. However, it cannot exceed the maximum statutory interest rate. Interest imposition period
Monthly post-payment
Premature repayment fee
Loan prepayment fee rate: 1.9% (However, only charged up to 24 months) (Loan prepayment fee calculation = prepayment loan amount * prepayment fee rate * (loan remaining days / loan period))
Application conditions
Former military personnel aged 20 or older who can prove income (however, housewives are excluded) – Employed and in business for more than 3 months – Only credit loans can be repaid – NICE credit score 350 points or higher
Required documents
Copy of ID (taken with mobile phone)Resident registration copy (including past history)Income verification documents (automatic submission is possible using a smartphone or PC with a joint certificate)
Incidental expenses
Recognition fee: KRW 50 million or less: NoneOver KRW 50 million to KRW 100 million: KRW 70,000 (Customer and savings bank each bear 50% / Customer burden) 35,000 won)
Note
The loan is determined based on the savings bank’s screening criteria and customer credit. Please check the product description and terms and conditions before signing the contract. You have the right to receive a sufficient explanation of the product in advance, and please make a transaction after understanding the explanation. The loan interest rate may change according to the change in the base interest rate. If there is a change in your personal information at the time of extension, part or all of the loan may be recovered. If the repayment or interest payment of the loan is delayed, the default interest rate will be applied, and you may suffer financial disadvantages due to offsets with other receivables such as deposits or legal procedures. In case of default, you may be obligated to repay the principal and interest before the contract expires. Excessive borrowing may cause your personal credit score to drop. When using a loan product, your credit rating or personal credit score may drop. If your credit rating or personal credit score drops, you may experience disadvantages such as restrictions on additional loans, increased loan interest rates, and reduced loan limits. For more information, please contact a counter staff member or the customer center (1877-7788) or be sure to refer to the product description.
