하나저축은행 최저신용자 특례보증[Nanum Economy News = Reporter Jeong Yeong-seon] Hana Savings Bank is selling a special guarantee product for those with the lowest credit rating.
Hana Savings Bank announced on the 19th that it is selling a special guarantee policy for low-credit individuals launched by the Financial Services Commission and the Korea Small Business Finance Agency to prevent illegal private financial damage to those with the lowest credit rating.
According to the bank, applicants for this product are those with the lowest credit rating who have difficulty using the existing policy low-credit individual financial product, Sunshine Loan 15, have a credit score in the bottom 10% or lower, and have an annual income of 45 million won or less. The loan limit is up to 10 million won. Applications can be made for 3 to 6 years (including a 1-year grace period for interest-only payments) at an annual interest rate of 15.9%.
This product is given preferential treatment to faithful repayers, and the initial loan limit is up to 5 million won. Additional loans can be received if the principal and interest are repaid normally for 6 months. The initial interest rate is 15.9% per annum, but if you repay normally, you can receive a 3.0% point (3-year repayment period) or 1.5% point (5-year repayment period) interest rate reduction benefit every year, lowering it to 9.9% per annum.
You can apply through the Small Business Finance Promotion Agency app or offline consultation at the Small Business Finance Integrated Support Center. After issuing a certificate of guarantee from the Small Business Finance Promotion Agency, you can apply for and execute a loan through the Hana Savings Bank mobile app.
Lee Kyung-yeo
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Cha Min-soo
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Cha Seok-rok
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Choi Yu-na
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Lee Kyung-yeo
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Lee Kyung-yeo
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