신협햇살론대출-긴급생계형대환

ventures

About this app

Enjoy the best financial services with Shinhyup.

Primary and Secondary Apartment Mortgage Loans
New and Additional Mortgage Loans
Living Stabilization Fund Loans
Business Mortgage Loans with Reduced Burdens through Lump Sum Repayment
Motel Mortgage Loans for Remodeling Facilities
Church Mortgage Loans for Operating and Facility Funds

Recently, the government has tightened lending standards, including debt service ratios (DSR) and debt-to-income ratios (DTI), to curb rising real estate prices. This has led to significant challenges.

Shinhyup offers some leeway in lending regulations and strives to provide excellent opportunities for prospective borrowers.

*Loan Products: Business Secured Loans, Home Secured Loans, Church Secured Loans, Motel Secured Loans, Lease Secured Loans
*Eligible Properties: Apartments, Villas, Single-family Homes (Seoul Metropolitan Area Only)
*Eligible Areas: Seoul, Gyeonggi Province, Metropolitan Cities, Large Cities (Not applicable to small cities or non-metropolitan areas)
*Loan Interest Rate: 5% range

1. Business Secured Loans

ㆍLoan Details: New and Additional Secured Loans for Operating Funds
ㆍLoan Interest Rate: 5.5-5.7% Annual Percentage Rate (Priority, Subordinated/Variable)
ㆍLoan Limit: Up to 70%-80% LTV
ㆍRepayment Method: Lump sum repayment at maturity
ㆍLoan Term: 3 years (Extensible for up to 10 years)
ㆍDelayed Payment Interest Rate: Loan Interest Rate + 3% per annum
ㆍPrepayment Fee: 1.6% for Individuals, 1.8% for Businesses

2. Home Mortgage Loans

ㆍLoan Details: New and Additional Secured Loans
ㆍEligible Properties: Apartments, Villas, and Single-family Homes (Seoul Metropolitan Area)
ㆍLoan Interest Rate: Annual Interest Rate of 5.5-5.7% (Priority/Subordinate Priority/Variable Rate)
ㆍLoan Limit: Up to 80% of the market value
ㆍRepayment Method: Equal Principal and Interest Repayment, Equal Principal Repayment
ㆍLoan Term: 29 Years with 1-Year Grace Period
ㆍOverdue Interest Rate: Loan Interest Rate + 3% Annual Per Annum
ㆍPrepayment Fee: 1.6% for Individuals, 1.8% for Businesses

3. Jeonse Loan

ㆍLoan Description: Rental Deposit-Secured Loan for Home Tenants
ㆍEligibility: Individuals with Proof of Income
ㆍLoan Interest Rate: Annual Interest Rate of 5.5-5.7% Annual Per Annum (Variable Rate)
ㆍLoan Limit: Up to 80% of the Jeonse Deposit
ㆍRepayment Method: Lump-sum Repayment at Maturity
ㆍLoan Term: Within the Lease Agreement (Extension Possible)
ㆍOverdue Interest Rate: Loan Interest Rate + Annual Per Annum 3%
ㆍPrepayment Fee: 1.6% for individuals, 1.8% for businesses

4. Motel Secured Loan

ㆍLoan Type: Loan Operators (Motels, Hotels)
ㆍLoan Interest Rate: 5.2-7.0% Annual Interest Rate (Prime, Subordinated/Variable Interest Rate)
ㆍLoan Limit: 80% of Appraised Value
ㆍRepayment Method: Lump sum repayment on maturity
ㆍLoan Term: 3 years (extendable to 10 years if conditions are met)
ㆍDelinquent Interest Rate: Loan Interest Rate + 3% Annual Interest Rate
ㆍPrepayment Fee: 1.6% for individuals, 1.8% for businesses

5. Sunshine Loan
ㆍEligibility: Employees and self-employed individuals with an annual income of 45 million won or less and a credit score of 1.5 or lower, or individuals with an annual income of 35 million won or less and a credit score of 600 or lower.
ㆍLoan Interest Rate: 8-9% Annual Interest Rate (Variable Interest Rate)
ㆍLoan Limit: Maximum 25 million won (varies by credit score)
ㆍRepayment method: Equal principal installments (partial principal repayment + monthly interest)
ㆍLoan term: 3 or 5 years
ㆍFees: None (However, Sunshine Loan incurs a guarantee insurance premium depending on the loan term)

Loan interest rate: Within the interest rate notified by the Financial Supervisory Service. The upper interest rate may vary depending on the funding rate (1-year term deposit). / Living expenses (base rate + additional rate), refinancing funds (fixed rate), and overdue interest are the loan rate + 3% per annum. Loan limit: Up to 30 million won (15 million won for living expenses, 30 million won for refinancing). / Loan term: Choose one of 3 or 5 years. / Sunshine Loan repayment example (Repayment method: Equal principal installments, Loan amount: 10 million won, Loan term: 36 months, Applicable interest rate: 8.78% per annum, Monthly repayment: 277,777 won (principal) (Same) + Interest (Continuously lower over time)
The actual repayment amount may differ slightly.
Loan term: Minimum 12 months ~ Maximum 60 months

There is no early repayment fee for Sunshine Loan.

In these difficult times, try Shinhyup Sunshine Loan

and enjoy the annual interest rate without any burden.

Sunshine Loan Advantages

Sunshine Loan refinances high interest rates to low rates.
Sunshine Loan offers quick consultations for refinancing loans, living expenses, and business loans.

Sunshine Loan is available up to 50 million won, with loan terms ranging from 36 to 60 months (maximum 5 years).
Just refinancing high interest rates can save hundreds of thousands of won in interest each month.

If you are using a capital, savings bank, credit card company (card loan), or loan service,
interest rates exceeding 20% can be refinanced to a low interest rate of 7-8%, provided that you are a regular repayer.

Furthermore, those with an annual income of 40 million won or less can apply. For wage earners and self-employed individuals with credit ratings between 6 and 8, the Sunshine Loan is readily available.

The Sunshine Loan requires equal monthly principal and interest payments.
You can conveniently check your Sunshine Loan eligibility and limit through the app.