하나저축은행 사잇돌2Up to 30 million won (within the scope of the guarantee amount)
– Loan limit/interest rate is applied differentially according to our bank’s credit handling standards, credit rating, and certain income.
– Delinquent interest rate: Loan interest rate + 3% (up to 20.0%)
– Interest imposition period: Post-collection once a month
Identification (resident registration card or driver’s license), income and employment verification documents, etc.
– If additional documents are required, a professional consultant will guide you.
Within 60 months
– The interest rate determined at the time of loan execution is applied equally throughout the contract period. – A method of calculating the principal and interest until maturity in advance and repaying a fixed amount every month (monthly payment)
None
Daol Savings Bank Compliance Supervisor Review No. 22-182 (22.04.26.~23.04.25.)
– If more than 5 business days have passed since the Seoul Guarantee Insurance (SGI) qualification examination date, loan execution may be restricted depending on your credit rating, personal credit score, and debt situation.
– Loan availability and limit are determined based on the Seoul Guarantee Insurance (SGI) qualification examination criteria and our bank’s handling criteria.
– If the information you applied for is different from the facts, the loan may not be possible.
– Does not exceed the legal maximum interest rate, including interest and fees.
– Loan interest rates are applied differently depending on credit rating, and if the repayment of the loan or interest payment is delayed, the default interest rate is applied, and you may suffer financial disadvantages due to offsets with other receivables such as deposits or legal procedures. – Please check the product description and terms and conditions before signing the contract.
– You have the right to receive sufficient prior explanation of the product, and please make a transaction after understanding the explanation.
– Excessive borrowing 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.
– In case of delinquency, you may be required to repay the principal and interest before the contract period expires.
– For other details, please contact the Customer Service Center (1600-1482) or refer to the product description.
※ Information on the right to request a reduction in interest rates
– If a financial consumer believes that his or her credit status has improved (employment/promotion/increase in assets/increase in personal credit score, etc.), he or she has the right to request a reduction in the interest rate applied to him or her from the savings bank (Article 14, Section 2 of the Savings Bank Act)
– Can be exercised regardless of the borrower (household, company) and loan type (credit, collateral), etc. (excluding loan products where the interest rate is determined regardless of the borrower’s credit status, such as group loans and new car installments)
– For other details, refer to the interest rate reduction request system on our website (http://www.daolsb.com/main/intrstDownMth.do)
Download Daol Digital Bank Fi (Fi) now and apply for an automatic loan that allows immediate remittance! Initialization
One million won
Loan repayment method guide pop-up button
Loan interest calculation result
Loan principal 100,000 won
Loan period 12 months
Interest rate 2.3%
Repayment method 230,000 won
Total interest amount 230,000 won
One thousand four hundred and eighty-eight thousand eight hundred and eighty won
Monthly repayment amount 10,000,000 won
The repayment (interest) amount may vary depending on the product, so please use this calculation result for reference only. This calculated interest is calculated on a monthly basis, and the actual loan interest is calculated on a daily basis, so there may be slight differences.
Repay the loan principal in a fixed amount during the loan period. Since interest is calculated from the reduced principal, the payment amount per installment continues to decrease.
Combine the total interest and principal until the loan maturity date and divide by the loan period to repay. The payment amount per installment is fixed each time.
Pay only interest during the loan period and repay the loan principal in one lump sum on the maturity date.
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According to the Resident Registration Act revised on September 25, 2006, anyone who steals or misuses another person’s resident registration number may be subject to imprisonment for up to 3 years or a fine of up to 10 million won. Be sure to use your real name and resident registration number.
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We will provide you with important information on financial products as stipulated in Article 19, Paragraph 1 of the Financial Consumer Protection Act.
Representative number 1600-1482
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