신한마이카 중고차 대출Shinhan My Car Loan is a product that most people look into for purchasing used or new cars. This product is popular because the screening process is simple compared to other car loans and the interest rate is relatively low. Now, I will tell you in detail one by one.
👉👉 Go to Shinhan My Car application homepage
To apply for a loan, customers must be 19 years of age or older, have signed a new car purchase contract with an automobile seller, and have passed the eligibility screening of Seoul Guarantee Insurance. However, if you are a salaried income earner, business income earner, or pension income earner, you must meet additional qualifications. This product can only be used by people who can provide proof of occupation and income.
Ambassador vehicles are all passenger cars and vans, trucks weighing less than 2.5 tons, camping cars, caravans, large two-wheeled vehicles, and private taxis. Please note that only vehicles that are registered within 15 years of the loan execution date are eligible.
The loan limit is from a minimum of 3 million won to a maximum of 60 million won within the vehicle sales price range. However, for used cars, up to 40 million won is available. Loans are applied differently depending on your annual income. Please note that if you are under 25 years of age, up to 80% of the vehicle value is available.
The loan interest rate is up to 4.44% per year based on a credit rating of 1, and ranges from a minimum of 6.51% to a maximum of 7.11% per year based on a credit rating of 3. Since it varies depending on your credit rating, the interest rate is applied differently depending on your credit rating. This product has a variable interest rate that changes depending on changes in the base interest rate at regular intervals. The used car loan interest rate ranges from a minimum of 6.52% per annum to a maximum of 7.12% per annum. If you meet the preferential interest rate conditions, you can receive benefits. The conditions are as follows.
The loan period is up to 5 years. There is no interest-only payment period for this product. The repayment method is principal installment repayment. Principal installment repayment is a method of repaying the loaned amount by dividing it over the loan period and paying a certain amount of the principal every month. This repayment method has the advantage of reducing the interest paid each month because you repay part of the monthly payment.
👉👉 Click here to apply for Shinhan My Car
There are four ways to apply for a Shinhan My Car loan. First, apply through the Shinhan Bank website, second, apply through the Shinhan My Car website, third, apply through the mobile app, and finally, apply by visiting the branch in person. Now, we will tell you in detail about how to apply using the mobile app, which is the most commonly used method. First, please download the ‘ShinhanSol’ app.
👉👉 Go to download ‘Shinhan Sol’ for iPhone
👉👉 Go to download ‘Shinhan Sol’ for Android
There are documents to submit. A sales contract, vehicle registration certificate, etc. are required, and if purchasing a large two-wheeled vehicle, a Type 2 compact license, certificate of cancellation, etc. are required. In most cases, employment and income documents are digitally scraped, but if documents are sent to Jeju, a certificate of employment and income certificate are required, and in the case of a business owner, a business registration certificate and income certificate are required.
So far, we have learned about Shinhan My Car used and new car loans. This product can be easily applied for through an app, and the application process is not difficult. It has the advantage of being able to apply non-face-to-face without complicated documents and having a low interest rate. However, this product cannot be used by unemployed people who have difficulty proving income.
Designed by Tistory
© Kakao Corp.
