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Office worker
KCB credit score over 600 points
(differentiated application based on customer’s personal credit score, etc.)
None
Customers with low personal credit scores or credit management targets (including credit recovery support or personal rehabilitation) based on the credit evaluation results of savings banks may be restricted from receiving loans.
If loan repayment is delayed even after the loan maturity date has passed, a late payment interest rate will be charged on the loan balance, and if the late payment continues, depending on the period of late payment, you may be registered as a credit management target or subject to financial disadvantages according to the ‘Credit Information Management Regulations’.
If your credit rating or personal credit score deteriorates or your personal information changes at the time of extension, part or all of the loan amount may be recovered and extension may not be possible.
Your credit rating or personal credit score may decrease when using a loan product. In case of extension of the term at the maturity of the loan, the interest rate may decrease or increase depending on the customer’s personal credit score.
General consumers may withdraw their subscription to the contract within 14 days from the date of contract signing, the date of receipt of the contract documents, or the date of receipt of the loan. (However, cancellation is not possible after the withdrawal right has been exercised and has become effective.)
In order to withdraw the subscription, you must express your intention to withdraw the subscription to the savings bank through a branch, internet banking, smart banking, etc., and return the loan already received and its interest, stamp duty paid by the savings bank to a third party in relation to the loan, and mortgage maintenance, etc.
In case of exercising the right to withdraw the loan contract, the early repayment fee will be waived, and the loan information related to the relevant loan will be deleted within 5 business days.
If you abuse the right to withdraw the loan contract and withdraw the loan contract with the relevant savings bank more than twice within the past month, you may incur disadvantages such as rejection of new loans and extensions, reduction of the loan limit, and restrictions on preferential interest rates. If a financial company violates the following obligations under the Financial Consumer Protection Act and concludes a loan contract, the financial consumer may cancel the relevant amount without imposing a penalty or other fees.
If the conclusion of a loan contract that is deemed inappropriate is recommended (violation of Article 17, Paragraph 3 of the Act)
If the fact that the loan product is inappropriate is not disclosed or confirmed (violation of Article 18, Paragraph 2 of the Act)
If the obligation to explain is not fulfilled (violation of Article 19, Paragraphs 1 and 3 of the Act)
If an unfair business practice is committed (violation of Article 20, Paragraph 1 of the Act)
If an unfair solicitation is committed (violation of Article 21 of the Act)
In order to exercise the right to cancel an illegal contract, the financial consumer must request cancellation of the contract by attaching documents proving the violation to the contract termination request form within 1 year from the date of learning of the violation and within 5 years from the date of contract conclusion (by mail, e-mail, text message, etc.). The right to demand a reduction in interest rates refers to the right (Article 14-2 of the Savings Bank Act) that allows financial consumers to demand a reduction in the interest rate applied to them from savings banks when they believe their credit status has improved (e.g. employment, promotion, increase in assets, increase in personal credit score, provision of additional collateral, improvement in transaction performance, resolution of delinquency history, etc.).
The right to demand a reduction in interest rates can be applied for by visiting a branch or through non-face-to-face channels (Internet banking, mobile banking, call center, etc.) (no restrictions on the time or number of applications), and savings banks may request that customers requesting a reduction in interest rates submit documents necessary to verify the improvement in credit status.
If a customer requests a reduction in interest rates for a product where the improvement in credit status is minor or credit status does not affect the interest rate, the customer’s request for a reduction in interest rates may not be accepted. The savings bank will notify you of whether or not it will accept the request for interest rate reduction and the reason for it within 10 business days from the date of receiving the request for interest rate reduction (excluding the period from the day the customer is requested to supplement the data to the day the data is submitted).
Hanwha Savings Bank Compliance Supervisor Review No. 2023-66 (October 17, 2023 – October 16, 2024)
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