카카오뱅크 햇살론 15 조건Check your loan limit now and get first month interest support. ■ Period: 2021.10.10 ~ 12.31
■ Benefit: After paying the principal or interest for the first month, the first month’s interest will be paid to your Kakao Bank account at the end of the following month (no separate application required)
1) If you are an office worker with low to medium credit, the maximum loan limit is up to 100 million won
■ Target: Customers with a KCB credit score of 820 or lower, who have executed ‘Medium Credit Loan’ or ‘Medium Credit Plus Loan’ through Kakao Bank [Credit Loan] (excluding Haetsal Loan 15)
■ Application method: Execute a loan through the [Credit Loan] menu in the Kakao Bank app
2) Housewives, college students, and self-employed individuals can also have a maximum loan limit of 3 million won
■ Target: Customers with a KCB credit score of 820 or lower, who have executed ‘Medium Credit Emergency Loan’ through Kakao Bank [Emergency Loan]
■ Application method: In the Kakao Bank app [Emergency Loan] Execution of loan through menu
* Loan execution period and benefit payment schedule
– Among customers who meet the above conditions,
. Customers who executed during the period of 2021.10.10 ~ 10.15 will pay the first month’s interest on 2021.11.30 (Tue)
. Customers who executed during the period of 2021.10.16 ~ 11.15 will pay the first month’s interest on 2021.12.30 (Thu)
. Customers who executed during the period of 2021.11.16 ~ 12.15 will pay the first month’s interest on 2022.01.28 (Fri)
Customers who executed during the period of 2021.12.16 ~ 12.31 will pay the first month’s interest on 2022.02.25 (Fri)
* Please note
– KCB credit score can be checked through the credit information service within Kakao Bank.
– You can check the name of the loan product you signed up for at the ‘Loan Agreement Creation’ stage, and after the loan execution is complete, you can check it at [My Account > Loan]
– During the event period, the benefit is provided only to customers who newly execute ‘Medium Credit Loan’, ‘Medium Credit Plus Loan’, or ‘Medium Credit Emergency Loan’ and pay the loan interest for the first month and maintain it normally until the interest payment date for each execution period specified above. Even if you execute multiple loans for each loan product, the benefit is applied to all.
– The benefit is provided as an amount corresponding to the first month’s loan interest.
– The first month’s interest cashback is paid to the ‘Medium Credit Loan’, ‘Medium Credit Plus Loan’, or ‘Medium Credit Emergency Loan’ interest payment account.
– If the ‘Medium Credit Loan’, ‘Medium Credit Plus Loan’, or ‘Medium Credit Emergency Loan’ interest payment account is suspended for reasons such as an account, the benefit will be automatically canceled.
– Depending on the customer’s credit status, it may be difficult to proceed with the loan due to internal screening criteria.
– The interest rate calculation standard is [base rate + additional rate – preferential rate], and the interest imposition period can be paid monthly by specifying the desired transfer date when executing the loan.
– Depending on the applicant, the application product is divided into medium-credit loan (wage earners who meet the credit rating requirements, loan interest rate of 3.362% to 9.800% per annum, as of October 8, 2021), medium-credit plus loan (wage earners who meet the credit rating requirements, loan interest rate of 4.373% to 13.591% per annum, as of October 8, 2021), and medium-credit emergency loan (medium-credit customers who meet the credit rating requirements, loan interest rate of 4.667% to 11.347% per annum, as of October 8, 2021).
– If there is an unpaid amount based on the monthly interest payment date, a delinquency interest rate of loan interest rate + 3% per annum is applied, and the maximum delinquency interest rate is 15% per annum, and if the loan interest rate is 15% or higher, a loan interest rate + 2% is applied. If you are delinquent, you may be subject to disadvantages such as being registered as a credit information management target. In addition, if you are delinquent on the principal and interest, you may be required to repay the entire principal and interest before maturity.
– Customers applying for ‘Medium Credit Loan’ and ‘Medium Credit Plus Loan’ can choose equal installment repayment of principal and interest.
– If you apply for a loan exceeding 50 million won, a stamp duty of 70,000 won will be incurred, of which the customer will be responsible for 50%.
– Medium Credit Emergency Loan is a minus account loan product with a lump sum repayment method on the maturity date.
– No early repayment fee is charged.
– When applying for a loan, your credit information inquiry history will be provided to a credit information company, and depending on your credit status, it may affect the loan screening of other financial institutions.
– If the amount of loan used is excessive compared to your repayment ability, your personal credit score may decrease, and if your personal credit score decreases, you may experience disadvantages related to financial transactions.
– Please be sure to read the financial product description and terms and conditions before entering into a contract regarding a financial product.
– General financial consumers have the right to receive an explanation of the relevant financial product from the bank. If you have any inquiries, please contact us through [Kakao Bank App > All > Customer Center].
– This event may be changed or canceled without prior notice depending on our circumstances.
– For inquiries regarding the event, please contact the Kakao Bank Customer Center at 1599-3333.
Compliance Supervisor Shim Ui-pil 21-498 (2021.10.12~2021.12.31)
