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Base date: 2023.11.11 (annual interest rate, %)
① Base interest rate: The financial bond interest rate is the “AAA-rated financial bond distribution yield” announced by the Korea Financial Investment Association (www.kofia.or.kr) and is applied as the closing price on the business day before the last business day of the previous week.
② Additional interest rate: The additional interest rate for each customer is applied differently depending on credit rating, etc.
③ Preferential interest rate: Up to 0.4%p per year preferential
▶ The preferential interest rate for the limit depletion rate (maximum 0.4%p per year) is applied for one month from the date of new loan, and is changed every month thereafter depending on the limit depletion rate.
④ Final interest rate: The applicable interest rate for each customer is applied differently depending on the additional interest rate and preferential interest rate calculated according to the base interest rate, credit rating, loan period, etc. The actual applied interest rate can be confirmed by consulting with the loan application branch.
① Late payment interest rate: Up to 15% per year (loan interest rate for each borrower + late payment interest rate)
※ However, if the loan interest rate is higher than the highest delinquent interest rate, the loan interest rate + 2.0%p per year
☞ 『Delinquent interest rate』applies 3% per year.
② When you have to pay overdue interest (delay compensation)
☞When payment is not made on the “date agreed to pay interest.”
– Late payment interest will be charged on the agreed upon interest to be paid for one month from the day following the date on which the interest must be paid.
It is applied, and after 1 month, due to loss of overdue profit, overdue interest must be paid by multiplying the loan balance by the overdue interest rate.
do.
☞When the installment repayment (or installment repayment principal and interest) is not repaid on the scheduled date.
– From the day after the date on which the installment repayment (or installment repayment principal and interest) must be repaid, the relevant installment repayment amount
If overdue interest on (or installment repayment principal and interest) is delayed more than two times in a row, it is subject to loss of overdue profit.
As a result, you will have to pay interest on the loan balance.
☞ 『Delinquent interest rate』applies 3% per year.
② When you have to pay overdue interest (delay compensation)
☞When payment is not made on the “date agreed to pay interest.”
– Late payment interest will be charged on the agreed upon interest to be paid for one month from the day following the date on which the interest must be paid.
It is applied, and after 1 month, due to loss of overdue profit, overdue interest must be paid by multiplying the loan balance by the overdue interest rate.
do.
☞When the installment repayment (or installment repayment principal and interest) is not repaid on the scheduled date.
– From the day after the date on which the installment repayment (or installment repayment principal and interest) must be repaid, the relevant installment repayment amount is due.
If overdue interest on (or installment repayment principal and interest) is delayed more than two times in a row, it is subject to loss of overdue profit.
As a result, you will have to pay interest on the loan balance.
[Compliance Officer Reviewed No. 2023-3732-1 (2023.10.06)]
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1588-9999, 1599-9999, 1644-9999
When calling from overseas to Korea +82-2-6300-9999
Loan short-term delinquency and maturity information 1588-9008
When calling from overseas to Korea +82-42-603-0711
1800-9999
(Excluding loss and accident reports)
Investment product approval confirmation 1833-3938
When calling from overseas to Korea +82-1833-3938
Copyright KB Kookmin Bank. All Rights Reserved.
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