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People with low or medium credit scores often have difficulty getting loans from banks, so they often use high-interest private loans.
For these people, the government, together with financial institutions, has created a loan product for the common people called the ‘Saetdol’. Let’s take a closer look at what kind of product it is!
Saetdol is a high-interest loan product for people with low or medium credit scores, and its biggest advantage is that you can use institutional finance even if your credit score is low.
There are two main types.
It is a product operated by major financial institutions such as Shinhan, Woori, and KB Kookmin.
The feature is that people with low or medium credit scores below 700 can also use products from general banks.
If you are a worker, business owner, or pensioner who meets certain conditions such as income, you can receive a loan of up to 20 million won at an annual interest rate of 5-10%.
The interest rate is lower than that of Saitdol 2, but the qualification requirements are more stringent. If the high threshold of the financial sector is burdensome, you can consider Saitdol 2.
It is a product mainly operated by savings banks, and can be used by those who meet certain conditions as in 1.
The advantage is that you can receive a high limit of 10 million won with more relaxed conditions.
Although the interest rate is high, it seems to be a better choice considering that it can be used under reasonable conditions compared to card loans or high-interest private loans.
Depending on the financial institution, you can lower the interest rate by up to 1%p if you apply for a preferential interest rate. You can benefit just by having a history of using the bank’s services or faithfully repaying the loan, so be sure to check the preferential conditions!
* Depending on the financial institution, detailed conditions such as credit score may be added.
* In cases of delinquency, default, bankruptcy, or personal rehabilitation, you may be excluded from the target.
Since Saitdol (SGI Seoul Guarantee) and Haetsal Loan (Korea Inclusive Finance Promotion Agency) are operated and guaranteed by different institutions, they can be used together. However, since both applications may be rejected at the same time, I recommend applying one at a time.
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Finda Post is an independent online media channel operated by Finda Inc., which aims to provide easy information about loans and financial information that were previously considered difficult in an easier to understand manner. It provides news, summaries, and analyses on the latest trends, technologies, and various financial life in the financial sector.
Finda Post | Registration Number: Seoul A04812 | Registration Date: November 6, 2017 | Publication Date: December 7, 2017
Publisher Editor: Lee Hye-min | Youth Protection Officer: Park Hong-min
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