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Those who have the ability to repay and meet the following income criteria and have passed the Seoul Guarantee Insurance Company’s Personal Credit Rating System (CSS)
(Salaried workers) Annual income of 12 million won or more, employment period of 5 months or more
(Business income earners) Annual income of 6 million won or more, business period of 4 months or more
(Pension income earners) Annual income of 6 million won or more, pension receipt at least once
General financial consumers may withdraw their subscription to a contract within 14 days from the contract signing date, the date of receiving the contract documents, or the date of receiving the loan. (However, cancellation is not possible after the right of withdrawal has been exercised and has become effective.)
To withdraw a 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 borne by the savings bank to a third party in relation to the loan, and the cost of establishing a mortgage, etc. If you exercise your right to withdraw from a loan contract, the early repayment fee will be waived, and the loan information related to the loan will be deleted within 5 business days.
If you abuse your right to withdraw from a loan contract and withdraw a loan contract with the relevant savings bank more than twice within the past month, you may face disadvantages such as refusal of new loans/extension, reduction of loan limit, and restriction of preferential interest rates.
If a financial company enters into a loan contract in violation of the following obligations under the Act on Financial Consumer Protection, the financial consumer may cancel the contract without imposing a penalty 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 obtain confirmation of 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). Jinju Savings Bank Compliance Supervisor Review No. 51-19 (2021.09.08~2022.09.08)
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