What comes to your mind first when you think of commercial banks in the primary financial sector? You'll think of Woori Bank, Kookmin Bank, and many other places. With the advent of the era of non-face-to-face and so-called Untouch, the financial sector is also releasing products that can be easily received through mobile phones. So today, we're going to take some time to find out about one of them, Shinhan's office worker loan conditions.
1. Office worker loans
In the case of office workers, loan approval is moderate because they have a stable income that comes in periodically. Even if you have a lot of income, it's easy for operators and freelancers to be shunned by the financial sector, so if you look at Shinhan's workplace loan conditions, you can see that it's unlikely to be rejected unless you have a record of overdue payment or serious low credit.
2. Shinhan Bank Loan
As I said before, Shinhan Bank is one of the commercial banks. Since it belongs to the primary financial sector, it has the advantage of being able to use low-interest products. If there is no problem with the use of Shinhan Bank's various loan products and the period of more than a year in office required by the party administration, Shinhan's office workers' loans can also be easily used.
Shinhan Workers' Loan Qualification
1. Period of employment
In order to use Shinhan Bank's employee loan, we need to be able to meet the length of service required by the party. You have to have been in the company selected by Shinhan Bank for more than a year. Many people seem to be confused about the length of employment 비대면 폰테크 required by the bank, so you can calculate it based on a year.
2. Annual income
In addition, qualification conditions will be divided for income. Annual income is also an important determinant as to whether or not there is an expectation, and Shinhan Bank's requirement for office workers' loan qualifications must be at least KRW 28 million in annual conversion income.
Shinhan office worker's loan rate
1. Loan Interest Rate
Then, let's take a look at Shinhan's workplace loan conditions first, the interest rate on loans. First of all, the calculation is made with the base rate plus the additional interest rate, which is up to 4.65% and the minimum rate is 2.81%.
> Compare workplace credit rates and conditions!
2. preferential interest rates
If you meet some conditions here, you may want to receive preferential interest rates. If you transfer more than a certain amount of salary to Shinhan Bank, use Shinhan Credit Card, or sign up for a certain amount of accumulated products, you can receive a preferential interest rate of up to 0.9%p on the assumption that you have satisfied the transaction performance.
3. overdue interest rates
If there is a delay, the overdue interest rate will be applied. If you fail to keep your promise on the date of repayment of the loan, the overdue interest rate of up to 15% will be applied by adding 3% of the overdue interest rate to the interest rate.
Shinhan office worker loan terms
1. Loan Targets
The loan target has been working for more than a year for the company selected by Shinhan Bank, and as I mentioned earlier, the annual conversion income should exceed KRW 28 million, and all of the following requirements must be met.
- A person over 19 years old as a Korean citizen
- office workers paying health insurance premiums
- A person who earns more than 28 million won by paying health insurance premiums
- Those who can meet Shinhan Bank's screening criteria
2. Loan limit
In the case of the loan limit, you can receive up to 150 million won. If you have a negative account, the limit of up to 150 million won will be applied. However, the maximum limit may be different for each company, so you should be aware of this in advance.
3. Loan Term and Reimbursement
The loan period is up to one year, but if it is passed before the expiration date arrives, it can be extended up to 10 years in a year. Repayment is a repayment method that pays interest only on a monthly basis and pays the entire principal on a maturity date.
Shinhan Workforce Loan Application Method
1. Mobile Loans
As I told you before, you don't need to visit the store because you can receive applications, reviews, and payments through your phone. It is available through the official application of Shinhan Bank, Sol Banking.
2. Required documents
Most mobile loans often have automatic scraping technology and do not have the necessary documents. Therefore, Shinhan office worker's loan is also available if you have only one certificate.
So today, we're going to take a look at the conditions of Shinhan's office worker loan.