한국캐피탈 소액론Credit Loan
Refinancing Loan
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Deposit Loan
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The average interest rate changes depending on your credit score
Average interest rate
17.83%
Maximum limit
100 million won
127th
Loan interest rate
11.69 ~ 19.9% per year (differentiated depending on personal credit rating, etc.)
Loan limit
Minimum 5 million won ~ maximum 100 million won ※ Set priority from the loan application (approval) amount, refinance (financial institution remittance), and remit the difference to the customer ※ Second priority: up to 10 million won
Loan period
12 months ~ 72 months (different loan period depending on the application amount and product)
Interest rate type
Fixed interest rate
Loan repayment method
Equal installment repayment of principal and interest
Application method
Connect to a counselor after electronic application
Overdue interest rate
Agreement interest rate + maximum 3% (within the maximum legal interest rate of 20% per year)
Interest imposition period
Interest must be paid on the interest payment date of the corresponding month. Early repayment fee
2%
Application conditions
Individuals and self-employed individuals who own a car (limited to vehicles solely owned by the individual) Model year within 15 years (including the current year) / Market price 3 million won or more (Model year and market price standards may vary according to our internal regulations)
Required documents
ID, car registration certificate, etc. (additional documents may be requested depending on the product and whether or not a detailed examination is required)
Incidental expenses
Cost of collateral establishment: Company responsibility / Cost of collateral cancellation: Self-responsible Stamp duty burden when applying for a loan exceeding 50 million won (50% of the amount stipulated by the Stamp Tax Act)Handling fee: None
Notes
*Loan conditions such as interest rate, limit, and period are applied differently depending on the customer’s credit rating, (loan) amount, etc. *The final decision on loan execution is made by Korea Capital Co., Ltd., and the results of the above preliminary inquiry may vary depending on internal review criteria such as internal review grade and collateral asset value. *Banksalad Co., Ltd. acts as an agent and broker for Korea Capital Co., Ltd.’s loan recruitment business. *Banksalad Co., Ltd. acts as an agent and broker for loan recruitment business of many financial companies including Korea Capital Co., Ltd. *Banksalad Co., Ltd. does not have the authority to conclude contracts for Korea Capital Co., Ltd.’s financial products, and loan contracts are concluded directly with Korea Capital Co., Ltd. *Banksalad Co., Ltd. is a financial product sales agent and broker registered in accordance with the financial laws pursuant to Article 2, Paragraph 3 of the Financial Consumer Protection Act. * Korea Capital Co., Ltd. complies with advertising-related procedures in accordance with laws and internal control standards. *Please check the product description and terms and conditions before concluding a loan contract. (http://www.hankookcapital.co.kr) *Compared to repayment ability If the loan amount is excessive, your personal credit score may decrease.* A decrease in your personal credit score may result in disadvantages related to financial transactions.* If you are in arrears with the principal and interest (or loan amount, payment, etc.) for a certain period of time, you may be obligated to repay all the principal and interest.* If the loan handling is inappropriate (holding overdue amounts, low personal credit score), the loan may be restricted.* Loan conditions are applied differently depending on the collateral, type of collateral, etc., and the loan may be restricted if the collateral is inappropriate.* Financial consumers have the right to receive an explanation about the relevant product or service according to Article 19, Paragraph 1 of the Financial Consumer Protection Act, and should listen to the explanation and fully understand the contents before conducting a transaction.
