KB캐피탈 자동차 담보대출 내차로Polestar2 Long range Single motor Pilot, Plus Package Vehicle price: KRW 62,790,000 Period: 60 months Advance payment: 30% Installment: KRW 642,667 per month Based on KRW 5.4 million in electric vehicle subsidies from Seoul in 2024
0.00% fixed for the loan period
2% (varies depending on prepayment principal and remaining loan period; if repayment is made in less than 30 days, the loan period is considered 30 days)
Contracted interest rate + 3% (within 20% of legal maximum interest rate) However, if there is no contracted interest rate at the time of delinquency, the following applies. The contracted interest rate is the higher of the commercial legal interest rate under the Commercial Act and the mutual household loan interest rate*. *The most recent weighted average lending interest rate for non-bank financial institutions announced every month by the Bank of Korea (based on new loans)
Equal repayment of principal and interest
Integrated acquisition tax and automobile tax are not included, and may vary depending on vehicle type, advance payment, loan period, electric vehicle subsidy, etc.
This is a fixed interest rate that is applied throughout the customer’s loan period.
You can proceed after applying and approval from the local government of your registered address, and it is not included in the loan amount.
If a customer, who is a debtor, determines that his or her credit status has improved compared to the time of the loan agreement, he or she has the legal right to request an interest rate reduction by presenting reasonable grounds when necessary.
However, the interest rate may not be reduced depending on the results of our evaluation, and products with interest rates determined regardless of credit status are excluded from the right to request an interest rate reduction.
For more information, please check the Consumer Protection > Major Rights of Financial Consumers > Right to Request Interest Rate Reduction screen on the homepage.
Polestar2 Long range Single motor Pilot, Plus Package Vehicle price: KRW 62,790,000 Period: 36 months Advance: 30% Deposit: 50% Monthly payment: KRW 228,273 per month Based on KRW 5.4 million in electric vehicle subsidies from Seoul in 2024
1.00% fixed for the loan period
2% (varies depending on prepayment principal and remaining loan period; if repayment is made in less than 30 days, the loan period is considered 30 days)
Contracted interest rate + 3% (within 20% of legal maximum interest rate)
Equal repayment of principal and interest
Integrated acquisition tax and automobile tax are not included, and may vary depending on vehicle type, advance payment, loan period, electric vehicle subsidy, etc.
The deferred extension interest rate may vary depending on the customer’s credit rating at the time of extension or the extension may be denied.
This is a fixed interest rate that is applied throughout the customer’s loan period.
You can proceed after applying and approval from the local government of your registered address, and it is not included in the loan amount.
If a customer, who is a debtor, determines that his or her credit status has improved compared to the time of the loan agreement, he or she has the legal right to request an interest rate reduction by presenting reasonable grounds when necessary.
However, the interest rate may not be reduced depending on the results of our evaluation, and products with interest rates determined regardless of credit status are excluded from the right to request an interest rate reduction.
For more information, please check the Consumer Protection > Major Rights of Financial Consumers > Right to Request Interest Rate Reduction screen on the homepage.
Polestar2 Long range Single motor Pilot, Plus Package Vehicle price: KRW 62,790,000 Period: 60 months Advance payment: 30% Residual value: 29% Contracted distance: 20,000 km per year Monthly payment: KRW 417,700 per month Based on KRW 5.4 million in electric vehicle subsidies from Seoul in 2024
Unrecovered principal
Uncollected principal
20% per annum (within 20% of legal maximum interest rate)
Uncollected principal x succession fee rate 1%
Conditions include integrated acquisition tax and exclude automobile tax, and may vary depending on vehicle type, advance payment (deposit), agreed distance, residual value, loan period, electric vehicle subsidy, etc.
The lease fee remains the same throughout your loan period.
For leased products, only government subsidies are applied.
If a customer, who is a debtor, determines that his or her credit status has improved compared to the time of the loan agreement, he or she has the legal right to request an interest rate reduction by presenting reasonable grounds when necessary.
However, the interest rate may not be reduced depending on the results of our evaluation, and products with interest rates determined regardless of credit status are excluded from the right to request an interest rate reduction.
For more information, please check the Consumer Protection > Major Rights of Financial Consumers > Right to Request Interest Rate Reduction screen on the homepage.
Repay the same amount every month during the loan period
During the loan period, the principal is repaid in equal amounts every month and the interest is reduced each month.
Interest paid before maturity and repaid in full at maturity
– Pay only interest during the grace period, minimizing initial monthly deposit
– After the grace period, repayment is made equally over the remaining loan period.
– Equal repayment of principal and interest with the principal amount minus the deferred deposit during the loan period
– Lump sum repayment of principal and interest in the last round + deferred deposit
KB Capital counselor
Make your decision after consultation!
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