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• Employed persons
(Employment income for 3 months or more, annual income of 20 million won or more)
• Freelancers
(Regardless of income type, income verification for 1 month or more, annual income of 8 million won or more)
• Customers aged 20 or older who can verify income
• Customers with a NICE CB score of over 350
※ However, customers who have passed the internal credit rating system (CSS) review
12.29%~18.97% per annum
Calculation criteria for interest rates
Loan interest rate = Base rate* + Additional rate*
*Base rate: Calculated according to internal regulations
*Additional rate: Applied differently according to internal CSS regulations
Term extension fee: None
Handling fee: None
Recognition cost burden
There is no income recognition cost for loans up to 50 million won, and income recognition cost is incurred for loans exceeding 50 million won
Income recognition cost is borne by the customer and savings bank each 50%
Excessive loans It may cause a decrease in your personal credit score. A decrease in your personal credit score may result in restrictions or disadvantages in financial transactions.
The above may change according to our bank’s credit and interest rate policies.
The availability of loans, limits, and interest rates are determined based on our bank’s credit handling standards and customer credit ratings, and loans may be restricted for those who are subject to credit information management by financial institutions and those who are ineligible as determined by our bank.
If certain requirements, such as an improvement in credit status compared to the time of the credit agreement, are met, you may request an interest rate reduction according to our bank’s procedures. (However, this excludes loan products and policy fund loans where the interest rate is determined regardless of the borrower’s credit status.)
Please be careful as any request for money or fees from loan recruiters, etc. in relation to loans is an illegal act. If you have paid money, please report it to the Financial Supervisory Service, etc. to receive compensation for damages. (Financial Supervisory Service Report Center 02-3145-8530)
If the repayment of the loan or interest payment is delayed, the overdue interest rate will be applied, and you may suffer financial disadvantages such as registration as a credit information management target due to overdue payments, offset with other receivables such as deposits, or legal procedures.
General financial consumers may withdraw their subscription to the contract within 14 days from the date of contract conclusion, the date of receipt of the contract documents, or the date of receipt of the loan. (However, cancellation is not possible after the right of withdrawal has been exercised and has become effective.)
In order to withdraw the subscription, you must express your intention to withdraw the subscription to the savings bank through a branch, internet banking, smart banking, etc., and return the loan already received and its interest, stamp duty paid by the savings bank to a third party in relation to the loan, and the cost of establishing a mortgage, etc.
If you exercise the right to withdraw from the loan contract, the early repayment fee will be waived, and the loan information related to the relevant loan will be deleted within 5 business days. If you abuse your right to cancel a loan contract and cancel a loan contract with the relevant savings bank more than twice within the past month, you may face disadvantages such as rejection of new loans or extensions, reduction of loan limits, and restrictions on preferential interest rates. If a financial company enters into a loan contract in violation of the following obligations under the Financial Consumer Protection Act, the financial consumer may cancel the contract without imposing penalties or other fees. In the event of a recommendation to enter into a loan contract that is deemed inappropriate (violation of Article 17, Paragraph 3 of the Act)
In the event of failure to inform or confirm the fact that the loan product is inappropriate (violation of Article 18, Paragraph 2 of the Act)
In the event of failure to fulfill the duty of explanation (violation of Article 19, Paragraphs 1 and 3 of the Act)
In the event of an unfair business practice (violation of Article 20, Paragraph 1 of the Act)
In the event of an unfair solicitation practice (violation of Article 21 of the Act)
In order to exercise the right to terminate an illegal contract, a financial consumer must request termination of the contract by attaching documents proving the violation to the contract termination request form within one year from the date of learning of the violation and within five years from the date of contract conclusion (by mail, e-mail, text message, etc.). The right to request a reduction in interest rates refers to the right (Article 14-2 of the Savings Bank Act) that allows financial consumers to request a reduction in the interest rate applied to them from a savings bank when they believe their credit status has improved (e.g. employment, promotion, increase in assets, increase in personal credit score, etc.).
The right to request a reduction in interest rates can be applied for by visiting a branch or through non-face-to-face channels (Internet banking, mobile banking, call center, etc.) (no restrictions on the time or number of applications), and savings banks may request customers requesting a reduction in interest rates to submit documents necessary to confirm the improvement in credit status.
If a request for a reduction in interest rates is made for a product where the improvement in credit status is minor or credit status does not affect the interest rate, the customer’s request for a reduction in interest rates may not be accepted.
The savings bank will notify the customer of whether or not the request for a reduction in interest rates has been accepted and the reason for the request within 10 business days from the date of receiving the request for a reduction in interest rates (excluding the period from the date the customer is requested to supplement the data to the date the data is submitted). Kiwoom Yes Savings Bank Compliance Supervisor Shim Ui-pil No. 2024-178 (2024.09.26.~2025.09.25)
