고려저축은행햇살론

고려저축은행햇살론

햇살론이란 신용등급이 낮고 고금리의 대출을 이용하고 있는 서민들을 위한 상품입니다.

이해가 쉽게 말씀을 드리면 기존에 사용하고 있는 대출이 금리가 높다면 정부지원 햇살론으로 대환대출을 받으셔서 갚으시고 저금리로 이용하시면 된다는 말입니다.

 

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대출대상 : 현재 3개월 이상 계속하여 근로 중인 자로 다음에 해당하는 고객
* 저신용자(보증재단 기준 신용등급 6~10등급, 연소득 4,000만원 이하)
* 저소득자(보증재단 기준 신용등급 1~10등급, 연소득 3,000만원 이하)

대출한도 : 최대 3천만원까지

대출금리 : 연 7.43% ~ 9.03% (2016.09월 기준)

대출기간 : 3년 또는 5년, 원금균등상환방식

연체금리 : 2개월 미만 : 약정금리+10%, 2개월 이상 : 약정금리+12%

수수료취급/상환 수수료 없음. 신용보증료 (연이율 1%이내, 신용보증재단 징구)

구비서류 : 신분증사본/주민등록 초본/재직 및 소득확인서류 (원천징수영수증 또는 소득금액증명원 등)

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