Download 신한저축은행 모바일대출 - 스마트금융 APK free

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Try using Shinhan Savings Bank Mobile Loan, which can be applied 24 hours a day!

● App main service information
- Integrated limit inquiry
We will guide you through the loan products of Shinhan Savings Bank that are suitable for you.

- Online document submission
When applying for a loan, you can submit your ID and employment/income documents electronically.

- Electronic contract/loan progress inquiry
You can proceed with the remaining steps such as an electronic contract for executing the loan.

- my page
For customers who are using a loan, it is possible to inquire about a loan account/repay principal and interest/issuance of a certificate/change direct debit account/edit my information.

● Introduction of Shinhan Savings Bank loan products (as of June 25, 2021)

[New Korean Intermediate Interest Rate]
- Eligibility: Those aged 19 years or older with proof of income & customers with a NICE credit score of 590 or higher, employees who have been employed for 5 months or more and have an annual income of 26 million won or more
- Loan limit: Novel limit interest rate (phone): 3 million won to 50 million won / Novelty limit interest rate (automatic): 1 million won to 30 million won
- Loan interest rate: 5.8% to 19.4% per annum
- Loan period: up to 5 years (1 to 5 years)
- Repayment method: repayment in equal installments of principal and interest (monthly post-retirement)
- Mid-term redemption fee: Novel mid-term interest rate (phone): within 1% maximum, none after 3 years / Novel mid-term interest rate (automatic): none
- Incidental cost: none
- Overdue interest rate: contracted interest rate + 3% per annum (within 22.4% per annum)
- Exemplary total loan cost for repayment in equal installments of principal and interest (partially subject to change by application date)
3,959,547 won for 12 months loan at 5.9% of 3 million won

※ Interest rate cut promotion information
- Period: 2021.04.01 ~ Until the end of later
- Benefit: interest rate cut by 1%p (except when the calculated interest rate is the lowest interest rate of the product)

[Novel 500]
- Eligibility: Customers over 19 years of age who can provide proof of income & customers with a NICE credit score of 590 or higher, whose estimated income has been calculated by NICE Credit Information Service
- Loan limit: 100,000 won to 5 million won
- Loan interest rate: 11.9% to 19.9% ​​per annum
- Loan period: up to 5 years (1 to 5 years)
- Repayment method: repayment in equal installments of principal and interest (monthly post-retirement)
- Early redemption fee: None
- Incidental cost: none
- Overdue interest rate: contracted interest rate + 3% per annum (within 22.9% per annum)
- Exemplary total loan cost for repayment in equal installments of principal and interest (partially subject to change by application date)
1,577,209 won for 12 months loan at 11.9% of 1 million won

※ Credit Loan Interest Rate Calculation Standard
* Loan interest rate = base interest rate + additional interest rate
- Interest rate standard: weighted average interest rate for new term deposits in the immediately preceding half
- Additional interest rate: Differential application according to internal rating standards

[Online Sunshine Theory]
- Target: Customers with NICE 744 points and KCB 700 points or less as of 21 years, and employees with current employment for 3 months or more, with annual income of 35 million won or less or annual income of 45 million won or less & the bottom 20 in personal credit ratings calculated by one or more personal credit rating agencies Person equivalent to /100
- Loan interest rate: 6~7% per annum / ※Variable interest rate (base rate + additional interest rate)
- Loan limit: within 15 million won
- Loan period: 3 years or 5 years
- Repayment method: Repayment of principal in equal installments every month (monthly arrears)
- Early redemption fee: None
- Guarantee cost: within 2% of the guarantee rate per year (within 1% per year in case of social consideration)
- Overdue interest rate: contracted interest rate + 3% per annum (within 12% per annum)
- Exemplary total loan cost for repayment in equal installments of principal and interest (partially subject to change by application date)
* A total of KRW 1,373,898 when borrowing 1 million won at 6.86% for 12 months

* Common
- Excessive loans can cause a drop in personal credit score.
- Restrictions or disadvantages in financial transactions may occur due to a decrease in credit rating or personal credit score.
- In case of delinquency, the obligation to pay principal and interest before the expiration of the contract period may occur.
- Loan limit and interest rates are applied differently according to your credit score.
- We have a number of loan products, and each product has different targets, limits, and interest rates. During the consultation process, we will guide you on the right product for you.
- Submission of documents required for loan review may be requested, and the examination result may change or the loan may be rejected depending on examination criteria such as credit score, income, and financial transaction status.
- If it is judged that your credit status has improved after more than 6 months have elapsed since the loan processing date, you may request a rate cut. (However, the rate cut may be rejected depending on the evaluation result.)
- You can withdraw your subscription for a loan contract within 14 days from the date of signing the contract, and you must return the money and goods already supplied, as well as interest and fees.
· If a financial company concludes a contract for financial products in violation of the sales principles, it may request the termination of the contract for 5 years from the contract date and 1 year from the date of knowledge of the violation. (Cannot be exercised upon contract termination)
- In accordance with Article 19 Paragraph 1 of the Financial Consumer Protection Act, you have the right to receive a sufficient prior explanation for the product, and please make a transaction after understanding the explanation.
- Before signing a contract, please check the product description and the basic terms and conditions for credit transaction.
- If you have any complaints (complaints) after subscribing to the product, you can contact the customer center (1644-7777) or the internet website (www.shinhansavings.com). can.

* The Korea Savings Bank Federation Shim Eui-pil 2021-00822 (21.06.16~22.06.15)

● Permissions and purpose for using the app

(required) phone
This permission is required to check your device information and automatically connect when you touch your phone number.
(required) storage space
Authorization required for signing, logging in, issuing, copying, and submitting documents for public certificates.

* Required access rights are absolutely necessary for Shinhan Savings Bank mobile loan service, and may not work properly if authority is denied.

(optional) camera
Access is required for photo ID for non-face-to-face real-name verification and photo for document submission.

* You can use the service even if you do not agree to the optional access right, but there may be restrictions on the use of some functions.
* You can also set it in Settings > Applications > Mobile Loan > Permissions menu.


● Service inquiry
If you have any questions about the [Shinhan Savings Bank Mobile Loan - Smart Finance] app, please contact the Shinhan Savings Bank Loan Counseling Center (☎1800-3651 / 9:00-18:00 on business days).