카카오뱅크 중고차대출The period of employment is calculated based on the National Health Insurance Corporation Qualification Acquisition/Loss Confirmation, and annual income is estimated based on the insurance premium payment confirmation from the National Health Insurance Corporation.
Handling may be restricted depending on the results of the personal credit evaluation.
Since documents from the National Health Insurance Corporation can be automatically submitted through a certificate, there is no need to prepare them separately. In the case of a car sales contract, attach a photo of the sales contract with the seller’s signature or seal.
Additional documents may be requested during the review process.
The usage limit is applied within the warranty limit and the vehicle price.
For those under 25 years of age, only 80% of the vehicle price can be used.
A grace period for only paying interest cannot be used.
The installment repayment amount and interest calculated by dividing the usage amount evenly by the number of months of usage are paid monthly.
The installment repayment principal and interest calculated by dividing the total of the usage amount and interest amount evenly by the number of months are paid monthly. Used car purchase loan: 4.69%~8.477% per annum (as of 2024.03.03)
The base interest rate changes every year.
The additional interest rate is applied differently depending on your credit rating and debt situation.
If you do not transfer the vehicle title within 15 days from the execution date, an interest rate of 15% per annum will be applied.
The default interest rate is the contracted interest rate + 3% per annum, and the highest rate is 15% per annum. If the contracted interest rate is 15% or higher, the contracted interest rate + 2% will be applied.
You can apply for this product using the Kakao Bank app on weekdays from 09:00 to 20:00, and on Saturdays/Sundays from 09:00 to 18:00.
There is no early repayment fee.
The loan amount will be deposited into the account of the seller who owns the vehicle.
If the representative of the vehicle-owning sales company is a co-representative, it may be difficult to deposit. After execution, the ownership of the target vehicle must be transferred to your name (including joint owners with a 50% or higher vehicle ownership stake in the case of joint owners).
If the ownership of the vehicle is not transferred, you may be liable to repay all principal and interest. If you sell the vehicle to a third party within 6 months of execution, you may be liable to repay all principal and interest.
Vehicle registration-related expenses, vehicle acquisition tax, delivery fee, automobile tax, insurance premiums, public bond (local bond) expenses, etc. cannot be included in the loan amount.
If there is a significant change in your credit status (increase in income, decrease in debt, increase in credit score, etc.), you can apply through the mobile app and submit supporting documents to the bank to request a change in interest rate. However, the interest rate may not be reduced depending on the bank’s internal policy or credit rating results.
This product is for those who have passed the qualification screening of Seoul Guarantee Insurance and are 19 years of age or older and can prove their income. There may be restrictions on use if the loan amount is excessive or if the requirements are not met during the approval review.
Shinhan Bank New Car, Used Car Auto Loan (MyCar)
“The information on this blog is provided for reference only and is not a substitute for professional advice or diagnosis.”
142,401
DESIGN BY TISTORY Administrator
