Have you heard of the so-called debt-to-equity loan, which is a loan that attracts the soul? As the lending utilization rate increased sharply, at the end of last year, the government entered into a commercial bank credit loan tightening. As a result, the entry barriers to 1 financial sector loans have increased, and demand for insurance contracts or savings bank loans has been rising. So today, we will have time to learn about the types, conditions and qualifications of the Internet banking Bradin Ciderbank loan made by SBI Savings Bank.
A cider bank is an Internet banking service launched by SBI, a savings bank. If you are a Korean citizen over 17 years old with an ID card, you can use the loan at any time for 365 days. In addition to loan products, there are also a variety of savings and deposit products, which can be used for any purpose, so it is convenient to use.
But it's a brand launched by a savings bank, so it has a high interest rate, which is 6% - 20% per annum, so it's not a low interest rate. As you can see from the type of bank loans, most products are high-interest loans.
Types and Qualifications of Ciderbank Loans
- Mid-interest credit loans;
The first is high-interest credit. It should be a worker's payroller over 20 years old. It's a credit loan available for workers' loans. To prove that you are an employee, you need a certificate of qualification from the National Health Insurance Corporation. Based on this, you should be able to confirm that your tenure is more than 6 months.
- Negative bankbook loans;
It is like a high-interest credit loan for a middle-income creditor. It should also be a worker's salary earner over 20 years old and must be in the health insurance corporation for more than 6 months. The difference is that it is possible to freely deposit and withdraw within the limit of receipt because it is a negative bankbook loan.
There are many things to pay attention to, such as interest is included in the limit, not only because it is convenient to use, but also after you are well aware of it.
- Small-scale negative loans;
The third type of cider bank loan is a small-scale negative account. This is also a negative bankbook loan that is free of deposit and withdrawal. It is a domestic person over 20 years old and all who have passed the credit test inside the cider bank regardless of occupation or income.
- Saydol 2
It is a government-funded loan linked to Seoul Guarantee Insurance. For reference, it is called "Site Stone 1" in the first financial sector and "Site Stone 2" in the savings bank. Workers aged 20 years or older are eligible for workers with an annual income 폰테크 of more than 12 million won based on the National Health Insurance Corporation's certificate of qualification.
ciderbank loan condition
- Conditions of high interest rate credit loans;
For high-interest credit loans, up to 100 million won can be used for at least one to five years at a fixed interest rate of 6.9% - 16.6% per annum. The repayment method is a repayment of principal and interest, and there is no commission for mid-term repayment. We need a certificate of qualification and a certificate of payment of premiums.
- Conditions of a negative bankbook loan;
Negative bankbooks can also be subject to a maximum limit of 100 million won. In the case of loan rates, fixed interest rates are applied from 6.9% to 11.8%. It can be used for one year. It can be extended up to 5 years according to the examination when the expiration date arrives. Proof documents include the National Health Insurance Corporation's certificate of qualification and the certificate of payment of premiums.
- Conditions of micro-minus loans;
It is a small loan, so the maximum limit is set at 5 million won. It is available at a fixed rate of 6.9% - up to 16.5% per annum. The loan period is one year, but it can be used for five years depending on the examination. There is no maturity extension fee or mid-term repayment fee, and there is no documentation to be paid separately.
- Saydol 2
It is a Sietdol 2, which can use up to 30 million won in funds from a minimum of 8.9% to a maximum of 19.9%; available for one to five years, and the period varies depending on the amount of the loan.It is available by principal and interest division repayment method.