The era of non-face-to-face, so-called uncontact, has arrived. With the emphasis on the development and convenience of mobile devices, the launch of mobile loans in the financial sector continues rapidly. Shinhan Bank also sells a variety of loan products that can be easily used from application to payment even if you don't visit the store in person. So today, we will have a time to find out about Shinhan Bank's mobile loan type.
What is Shinhan Bank Mobile Loan?
1. Mobile Loans
We have various types of Shinhan Bank mobile loans that you can get from Shinhan Bank with just one cell phone. It is also called a non-face-to-face loan, which means a product that can solve all the applications and loan payments online without having to go to the store. The proportion of online loans in the financial industry is growing day by day, and the range of products is growing.
2.1 Financial sector
Shinhan Bank belongs to the primary financial sector such as Kookmin Bank and Woori Bank. When taking out a loan, it is right to go in the order of 1 financial sector > private sector. Because the financial sector has the lowest interest rate. Shinhan Bank also sells low-interest products.
Shinhan Bank mobile loan type [credit loan]
1. Simple Credit Loan (Shinhan Bank Top's Club)
It's a product for users who have a transaction period of more than a year among Top's Club customers at Shinhan Bank. The loan limit is applied differently depending on the store owner of the Top's deposit performance. It is based on 250 points or more and ranges from 5 million won for Top's Classic to 20 million won for Top's Premier. However, the target customer is limited to Shinhan Bank's Tops Club customers.
> Learn more about Shinhan Bank's personal credit loan conditions
2. Easy-to-use workplace loans
As an office worker who is working at a company designated by Shinhan Bank, it is a loan product that can be used for loans at high limits and low interest rates if the period of employment is over a year. Annual conversion income should be more than KRW 28 million, but it is also available as a negative account and has the advantage of no prepayment fee. It is 100 million won for negative bank accounts and 150 million won for ordinary loans. The basic loan period is one year, but depending on the results of the examination, it can be used for up to 10 years.
Let's find out about Shinhan office worker loan conditions
3. Spontaneous Pokérone (Small New Hope Hall)
Koreans who have credit cards and meet Shinhan Bank's internal screening criteria are eligible for loans. The maximum is 5 million won, which is lower than the regular credit loan, as the name of the small new hope Mr. Hall. Up to 2 years can be paid in installments, and there will be no additional payment after prepayment. The loan period varies depending on which repayment method you choose for one year for the maturity date and up to two years for the principal equal installment repayment.
Shinhan Bank Mobile Loan Types [Automobile Loan]
1. Shinhan MY CAR Credit Loan
Those who need car purchase funds 비대면 폰테크 for new car purchases or used car purchases, or those who will use other financial institutions' auto installments for loan-to-value loans through Shinhan MY CAR loans are eligible for the loans. You need to be in office and you need to be able to prove your income. The loan limit is up to 70 million won for a new car and up to 60 million won for a used car, excluding the advance payment from the car sales price.
2. Shinhan MY CAR Conversion Loan
Excluding banks, financial institutions such as Capital will replace automobile loans taken to purchase vehicles with Shinhan Bank, a financial institution, which requires a valuation of Seoul Guarantee Insurance, more than 19 years old, more than 6 months for salary income, and a year for business income. The limit is up to 60 million won for new cars and up to 40 million won for used cars.
Shinhan Bank Mobile Loan Application Method
1. Accessing the website
When you access Shinhan Bank's website, there is a separate loan menu on the Financial Products tab. You can also see car loans, credit loans, real estate loans, etc. or search for the loan products you want.
2. Download Application
Shinhan Bank's official application is Shinhan Sol Banking. After installing the app, you can check your loan limit or apply.