Check out the government-supported loan for the common people, Sunshine Loan.
Check various information at a glance, such as sunshine theory, side stone, credit loan.
Information on application qualifications and qualifications for each product
Loan Application Target: Customers currently working for more than 3 months, workers with an annual income of 35 million won or less
Employees with an annual income of 45 million won or less among customers with a personal credit score in the bottom 20/100
Loan limit: up to KRW 20 million for living expenses (within the guarantee limit)
Loan period: 3 or 5 years
Loan interest rate and repayment structure: Equal repayment method
Loan interest rate: Annual minimum 10% ~ maximum 11% (base date: April 2023)
Differential application of loan interest rates according to credit rating and other conditions
Loan interest rate base rate (financing rate) + spread rate
Standard interest rate: subject to change according to the notification of the Financial Supervisory Service every month / Additional interest rate: applied differently depending on customer credit rating, etc.
Interest charge period: Monthly withdrawal (automatic transfer possible)
Overdue interest rate: Loan interest rate + 3.0% (not to exceed 20% of the maximum interest rate including interest rates and fees)
Fee: No handling/repayment fee, credit guarantee fee (within 2% per year) (1% for social consideration) (1.5% for low-income youth)
Cognitive cost: no burden
- Directron Co., Ltd. is a loan recruitment corporation that conducts loan recruitment through a loan consignment contract with Korea Savings Bank.
-It is illegal to request a brokerage fee other than interest and no handling fee.
-Excessive borrowing can cause a drop in personal credit score.
Direct Loan Co., Ltd. is a recruitment corporation that has signed a loan recruitment consignment contract with Korea Savings Bank Co., Ltd. under the exclusive transfer of one company.
Direct Loan Co., Ltd., a loan recruitment agency, does not have the authority to conclude financial product contracts.
A decline in personal credit score may result in restrictions or disadvantages in financial transactions.
In the case of overdue, the obligation to repay the principal and interest may occur before the expiration of the contract period.
Please check the product description and terms and conditions before signing the contract.
You have the right to receive a sufficient prior explanation of the product, and please trade after understanding the explanation.
Loan applicant inquiry site http://www.loanconsultant.or.kr / Korea Savings Bank Customer Satisfaction Center: 1877-9900
Korea Savings Bank Compliance Officer, Sim Eui-pil No. 2022-59 (2022.06.30.~2023.06.29.)
