카카오뱅크 햇살론 15 조건The Korea Small Business Finance Promotion Agency operates the Sunshine Loan 15 as a high-interest alternative fund.
This program is a financial product that provides an opportunity for those with low credit scores who can only use high-interest loans such as those from loan sharks or illegal financial institutions to use bank loans more easily.
The National Happiness Fund guarantees ideal loan products when the minimum criteria are met.
This program helps many people feel financial gratitude when they need cash.
In this post, we will take a closer look at the Kakao Bank National Happiness Fund Sunshine Loan 15.
Kakao Bank operates easy and fast credit loans, medium-credit loans, medium-credit plus loans, side-dol loans, and Sunshine Loan 15 products for office workers who need money.
▶ The target is low-credit workers with an annual income of 45 million won or less, at least 3 months of employment, and those who can subscribe to the National Happiness Fund’s guarantee.
※ The employment period is calculated based on the National Health Insurance Corporation’s qualification acquisition and loss confirmation certificate. ※ Annual income is estimated as the insurance premium paid on the National Health Insurance Corporation insurance premium payment confirmation certificate.
▶ The interest rate for Sunshine Loan 15 is fixed at 15.900% per annum (bank interest rate: 3.5% per annum, guarantee fee rate: 12.4% per annum).
▶ The loan interest rate for Sunshine Loan 15 does not change until the loan maturity date. However, if it is recognized as a sincere repayment (30 days or less of accumulated overdue days in 1 year) during the loan period, the loan interest rate will be reduced as follows each year.
– 3-year repayment agreement: Reduced by 3.0% per annum every year
– 5-year repayment agreement: Reduced by 1.5% per annum every year
▶ Overdue interest rate: Overdue interest is incurred if there is an overdue amount based on the monthly interest payment date
– During the overdue period: Loan interest rate + 3% per annum
– The maximum overdue interest rate is 15% per annum, and if the loan interest rate is 15% or higher, the loan interest rate + 2% is applied. However, Sunshine Loan 15 applies a loan interest rate + 3%.
Loan limit, period, repayment method
▶ Loan limit – Up to 7 million won, special guarantee recipients can receive a loan of up to 14 million won.
※ The loan limit is calculated by the bank credit rating system according to the individual’s credit, repayment ability, and debt status, and is applied differentially. ※ The minimum loan application amount is 1 million won or more.
▶ Loan period – Minimum 3 years ~ Maximum 5 years
▶ Repayment method
▶ General guarantee
Bank -> Qualification inquiry -> Application. Acceptance -> Guarantee review and approval application -> Agreement conclusion and guarantee issuance -> Loan execution
▶ Special guarantee
Citizen Finance Integrated Support Center -> Comprehensive consultation -> Customized loan linkage -> Application. Acceptance -> Detailed review and guarantee approval -> Issuance of receipt or text message -> Loan execution
– In the case of special guarantees, they are handled by 35 Citizen Finance Integrated Support Centers nationwide, so it is helpful to make a reservation and visit for consultation.
▶ List of special guarantee handling centers – Region, center name, and regional center name (35 comprehensive consultation centers nationwide)
※ Sunshine Loan 17 Special Guarantee Loan Service – For consultation and reservation, please contact the Citizen Finance Call Center (1397 without area code).
So far, we have looked at Kakao Bank’s government-supported small business finance livelihood fund, Sunshine Loan 15 special guarantee.
Small loans for the unemployed, delinquent borrowers, Sunshine Loan
Small loans for the unemployed, delinquent borrowers, Sunshine Loan, emergency funds, credit rating, interest, housing subscription collateral, low credit, short-term and long-term
