연체자 소액대출 활용 가이드

A small loan provided to people with a delinquent record!
No worries even if your credit rating is low or you have experienced delinquency
Start a stable financial life with an easy loan process!

[Main features of this app]

◎What is a small loan for delinquent borrowers?
-Introducing products for people who want to receive support for starting out with small loans without worrying about delinquent payments

◎Standard for delinquent borrowers
-Short-term delinquent borrowers: Introducing a collection of delinquent solution solutions for short-term delinquent borrowers
-Long-term delinquent borrowers: Introduction to a collection of measures to solve serious credit problems for long-term delinquent borrowers

◎Check delinquency records
-Would you like to check your credit management and repayment status? Check delinquency records

◎Loan products for delinquent borrowers
-Small living expenses loan: This is a government-supported product when you need living expenses right away.
-Special guarantee for people with the lowest credit: This product is for people with the lowest credit, when a loan is not possible due to a low credit score.
-IBK Personal Free Work Out Loan: A product for those experiencing financial difficulties when repaying debt is difficult.
-Hana Bank Gyeonggi Opportunity Ladder Account: A product for young people in Gyeonggi-do when they want a stable financial life.
Representative example of total loan cost including fees
[Loan limit: 1 million won ~ maximum 3 million won

Loan period: Minimum 6 months, maximum 12 months (requires application for extension before loan maturity, extendable in one-year increments depending on review results)

Integrated interest rate range: minimum 3.08% per year to maximum 19.99%, preferential interest rate of up to 1%p applicable

Example of loan repayment: When borrowing 3 million won at an annual interest rate of 7% and a lump sum repayment at maturity over 12 months, the total loan cost of 3,000,000 won (monthly payment of 17,500 won) is repaid and the principal is repaid in a lump sum of 3,000,000 won at maturity]

*May vary depending on personal loan product and repayment method.


◎Disclaimer
※This app does not include financial functions.
※ This app does not represent the government or government agencies.
※ This app was created to provide quality information, and we assume no responsibility.
※ Source: Nice Jikimi (https://www.credit.co.kr/ib20/mnu/BZWMAN00001)