서민금융저신용햇살론 2.0

서민금융저신용햇살론 2.0

dinov  ❘ Freeware
Android
Senaste versionen
2.0
Säkert att installera

Before considering high interest rates, it is essential first to obtain loan approval.

The 'Haetsal Loan' offers interest rates in the range of 7% to 10% annually, providing a competitive solution for borrowers.

This loan program supports amounts up to 30 million KRW, ensuring a secure financing option.

Haetsal Loan Details:

  • Interest Rate: Annual rate of 7% to 10% (as of August 2020)
  • Delinquency Rate: 13%
  • Repayment Method: Equal principal repayment over 3 or 5 years
  • Guarantee Fee: 2% of the guaranteed amount per year (no early repayment fees)
  • No documentation fees
  • Living Expenses Support: Up to 15 million KRW
  • Overdue Interest Rate: +3% per annum

The loan interest rate is within the bounds set by the Financial Supervisory Service, with the maximum rate being variable according to the borrowing cost (1-year maturity fixed deposit). Living expenses are determined by the benchmark rate plus an additional rate, while refinancing has a fixed interest rate. The overdue interest comprises the loan rate plus an additional 3%. The maximum loan limit is set at 30 million KRW (with a cap of 15 million KRW for living expenses and 30 million KRW for refinancing), and the borrower may choose between a 3-year or 5-year loan term. For instance, if one were to take a loan of 10 million KRW for a period of 36 months at an applicable interest rate of 8.78%, the monthly repayment would be approximately 277,777 KRW, which includes a consistent principal and decreasing interest over time. The actual repayment amount may vary.

The loan period can span from a minimum of 12 months to a maximum of 60 months.

The Haetsal Loan does not entail any early repayment fees.

In times when obtaining loans is challenging, consider the 'Shinhyup Haetsal Loan' as a viable option, taking advantage of its manageable annual interest rates.

Advantages of Haetsal Loan:

  • The Haetsal Loan enables refinancing high-interest loans with lower rates.
  • It provides options for refinancing, living expenses, and business loans with quick consultations available.
  • The loan amount can reach up to 50 million KRW, with terms ranging from 36 months to a maximum of 60 months.
  • Refinancing even one high-interest loan can lead to monthly savings of several hundred thousand won in interest payments.
  • If you are currently utilizing capital loans, savings banks, credit card loans, or alternative lending services with a good repayment record, you may qualify for refinancing over 20% interest rates down to around 7-8%.
  • Employees and business owners with an annual income below 40 million KRW and credit ratings between levels 6 and 8 can typically access Haetsal Loans without difficulty.

The Haetsal Loan follows a monthly equal principal repayment structure. It offers convenient access via applications for reviewing eligibility and limits associated with savings bank loans.

Översikt

서민금융저신용햇살론 är en Freeware programvara i den kategorin Företag utvecklats av dinov.

Den senaste versionen av 서민금융저신용햇살론 är 2.0, släppt på 2025-01-15. Det lades ursprungligen till vår databas på 2025-01-15.

서민금융저신용햇살론 körs på följande operativsystem: Android.

서민금융저신용햇살론 har inte blivit betygsatt av våra användare ännu.

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