IBK저축은행 i-Bank

IBK저축은행

Mayelana nalolu hlelo lokusebenza

Lolu uhlelo olusha lokusebenza lweselula lwe-IBK Savings Bank i-Bank.
Sihlinzeka ngezinzuzo ezingajatshulelwa kuphela amakhasimende e-IBK Savings Bank, okuhlanganisa izimali zokudlulisa zamahhala, uphenyo olulula lomkhawulo wemalimboleko, kanye nezimalimboleko ezingezona zobuso nobuso ngaphandle kokuvakashela ibhange.

[umsebenzi oyinhloko]
■ 뱅킹
- Yonke imibuzo ye-akhawunti, uphenyo lomlando wokuthengiselana, ukudluliswa, ukuguqulwa kwephasiwedi ye-akhawunti nokususwa kwephutha
- Ukungena ngemvume okusheshayo nokulula usebenzisa izigxivizo zeminwe, iphethini, iphasiwedi elula, njll.
■ Isevisi yokudlulisa kalula
- Isevisi evumela ukuthi udlulise kalula imali efika ku-3 million ewiniwe ngosuku ngesikhathi esisodwa
■ 비대면서비스
- Ukuvula i-akhawunti entsha yediphozi/yokulondoloza: Izinsizakalo zezezimali ezingadingi ukuvakashelwa ebhange, njengediphozi yesikhathi esiyingqayizivele (inzalo elula/inzalo ehlanganisiwe), idiphozi yesikhathi esihlakaniphile, kanye nediphozithi evamile ewusizo kakhulu.
- Ukubhaliswa kwezezimali nge-elekthronikhi, isicelo sekhadi lesheke, isivumelwano semalimboleko ye-elekthronikhi, ukuqinisekiswa komazisi, ukuhanjiswa kwemibhalo eku-inthanethi

■ i-i-Big Loan U Plus: Indlela yokuhlola abasebenzi, imalimboleko yezikweletu yabasebenzi basehhovisi
- Ithagethi yemalimboleko: Amakhasimende aneminyaka engama-20 noma ngaphezulu anganikeza ubufakazi bemali engenayo
Izisebenzi eziqashwe ezindaweni ezisebenza kuzo isikhathi esingaphezu kwezinsuku eziyi-120 (imali engenayo yonyaka eyi-KRW 24 million noma ngaphezulu)
Labo umkhawulo wabo obalwa ngesistimu yethu yokulinganisa ye-CSS (isikolo somuntu siqu se-NICE samaphoyinti angu-725)
noma ngaphezulu kanye nekhredithi yomuntu siqu ye-KCB engu-535 noma ngaphezulu)
- Izinga lenzalo yemalimboleko: 7~17% ngonyaka (lisetshenziswa ngendlela ehlukile kuye ngezinga le-AS lekhasimende)
- Umkhawulo wemalimboleko: ubuncane bezigidi ezi-5 bawinile ~ umkhawulo wezigidi eziyi-100 owiniwe
- Isikhathi semalimboleko: ubuncane bezinyanga eziyi-12 ~ izinyanga ezingama-60
※ Ikhetheka ngokukhuphuka kwezinyanga eziyi-12
- Izinga lenzalo yobugebengu: Izinga lenzalo yemali ebolekiwe +3% noma ngaphansi (kungezwe izinga lenzalo yobugebengu), i-20% ephezulu noma ngaphansi
- Izindleko zengozi: Izindleko zesitembu semali engenayo zitholwa ngenxa yezintela ezikhokhwa ngesikhathi sesivumelwano semalimboleko ngokuvumelana noMthetho Womsebenzi Wesitembu.
Imali ebolekiwe efika ezigidini ezingu-50 ewiniwe: Ukukhululwa
Inani lemalimboleko elingaphezu kwezigidi ezingu-50 eziwinile ~ 100 wezigidi eziwinwe noma ngaphansi: Imali engenayo yesitembu semali engu-70,000 ewiniwe (amaphesenti angu-50 athwalwa amakhasimende kanye nebhange lokonga ngalinye)
Imali yokubuyisela kusenesikhathi: 1.6% yenani lokubuyisela
※ Imali ebolekiwe ibuyiselwe ngaphambi komnqamulajuqu
- Isikhathi sokushaja inzalo: siqoqwa njalo ngenyanga
- Indlela yokukhokha: ukukhokha ngezitolimende ezilinganayo zikathishanhloko kanye nenzalo
- Isibonelo sokukhokha imali mboleko: Ngemalimboleko eyizigidi eziyi-10 ewinwe ngo-15% wenkokhelo ngezitolimende ezilinganayo phakathi nezinyanga ezingama-60, inani eliphelele lokubuyisela okuhlanganisa nothishanhloko kanye nenzalo yizi-14,283,348 eziwiniwe.

■ I-I-Big Loan U: Indlela yokuhlola abasebenzi, imalimboleko yezikweletu yabasebenzi basehhovisi
- Ithagethi yemalimboleko: Amakhasimende aneminyaka engama-20 noma ngaphezulu anganikeza ubufakazi bemali engenayo
Izisebenzi eziqashwe ezindaweni ezisebenza kuzo isikhathi esingaphezu kwezinsuku eziyi-120 (imali engenayo yonyaka eyi-KRW 24 million noma ngaphezulu)
Labo umkhawulo wabo obalwa ngesistimu yethu yokulinganisa ye-CSS (isikolo somuntu siqu se-NICE samaphoyinti angu-725)
noma ngaphezulu kanye nekhredithi yomuntu siqu ye-KCB engu-535 noma ngaphezulu)
- Izinga lenzalo yemalimboleko: 11~19% ngonyaka (lisetshenziswa ngendlela ehlukile kuye ngezinga le-AS lekhasimende)
- Umkhawulo wemalimboleko: ubuncane bezigidi ezi-5 bawinile ~ umkhawulo wezigidi ezingama-60 uwinile
- Isikhathi semalimboleko: ubuncane bezinyanga eziyi-12 ~ izinyanga ezingama-60
※ Ikhetheka ngokukhuphuka kwezinyanga eziyi-12
- Izinga lenzalo yobugebengu: ngaphakathi kuka-3% wezinga lenzalo yemalimboleko (isilinganiso senzalo sobugebengu sengeziwe), sifika ku-20%
- Imali eyengeziwe
· Izindleko zesitembu semali engenayo zitholwa ngenxa yentela ekhokhiwe ngesikhathi sesivumelwano semalimboleko ngokuhambisana noMthetho Womsebenzi Wesitembu
· Imalimboleko efinyelela ezigidini ezingama-50 - ikhululiwe
· Imali ebolekiwe edlula izigidi ezingu-50 iwinile ~ 100 million ewiniwe noma ngaphansi - Imali yesitembu semali engenayo engu-70,000 ewiniwe (amaphesenti angu-50 atholwa amakhasimende kanye nebhange lokonga ngalinye)
Imali yokubuyisela kusenesikhathi: 1.6% yenani lokubuyisela
※ Imali ebolekiwe ibuyiselwe ngaphambi komnqamulajuqu
- Isikhathi sokushaja inzalo: siqoqwa njalo ngenyanga
- Indlela yokukhokha: ukukhokha ngezitolimende ezilinganayo zikathishanhloko kanye nenzalo
- Isibonelo sokukhokha imali mboleko: Ngemalimboleko eyizigidi eziyi-10 ewinwe ngo-15% wenkokhelo ngezitolimende ezilinganayo phakathi nezinyanga ezingama-60, inani eliphelele lokubuyisela okuhlanganisa nothishanhloko kanye nenzalo yizi-14,283,348 eziwiniwe.

■ I-Online Sunshine Loan: Imali ebolekiwe esekelwa uhulumeni yabasebenzi abahola kancane kanye nesikweletu esincane
- Ithagethi yemalimboleko: Amakhasimende aneminyaka engu-19 noma ngaphezulu anganikeza ubufakazi bemali engenayo
: Umuntu onemali engenayo yonyaka eyizigidi ezingama-45 ewiniwe noma ngaphansi kanye nekhredithi yomuntu siqu ku-20/100 phansi
※ Kodwa-ke, uma imali engenayo yonyaka ingaphansi kwezigidi ezingu-35 eziwiniwe, isicelo singenzeka ngaphandle kwesilinganiso sesikweletu se-NICE.
① Ukukhokhwa njalo kwamaphrimiyamu omshwalense wezempilo endaweni yokusebenza okungenani izinyanga ezi-3
② Ungabi nendlu egameni lakho
③ Yiba nesitifiketi esisesidlangalaleni egameni lakho kanye neselula
Ungafaka isicelo uma konke ①, ②, kanye ③ ngenhla kusebenza.
- Izinga lenzalo yemalimboleko: 9% ngonyaka (izinga lenzalo lezinyanga eziyi-12)
※ Njengomkhiqizo okhethekile ohlelweni lokusebenza lwe-I-Bank, izinga lenzalo ngu-0.75%p izinga lenzalo elikhethwayo uma liqhathaniswa ne-Sunshine Loan (izisebenzi).
* Izinga lenzalo yemalimboleko = izinga lenzalo eyisisekelo + inzalo eyengeziwe
- Isisekelo senani lenzalo: Izinga lenzalo elilinganiselwe elilinganiselwe lediphozithi yesikhathi sokuvuthwa yonyaka owodwa wawo wonke amabhange okulondoloza enyangeni edlule
- Izinga lenzalo eyengeziwe: Isetshenziswa ngendlela ehlukile kuye ngesilinganiso sekhredithi yekhasimende, njll.
- Umkhawulo wemalimboleko: Kufika kuzigidi eziyi-15 eziwinile
- Izinga lenzalo yobugebengu: Izinga lenzalo yemali ebolekiwe +3% noma ngaphansi (kungezwe izinga lenzalo yobugebengu), i-20% ephezulu noma ngaphansi
- Izindleko zengozi: Imali yesiqinisekiso (2% yenani lediphozithi, u-1% wabantu abacabangelayo emphakathini)
- Isikhathi sokushaja inzalo: siqoqwa njalo ngenyanga
- Isikhathi sokubolekwa imali: iminyaka emi-3, iminyaka emi-5 (ukubuyisela uthishanhloko ngezitolimende ezilinganayo)
- Imali yokukhokha ngaphambi kwesikhathi: Ayikho
- Isibonelo sokukhokhwa kwemali mboleko: Ngemalimboleko eyizigidi eziyi-10 ewinwe ngo-9% wenkokhelo kathishanhloko ngezitolimende ezilinganayo phakathi nezinyanga ezingama-60, inani eliphelele lokubuyisela okuhlanganisa uthishanhloko, inzalo, kanye nemali yesiqinisekiso iwinile engu-12,760,185.

■ Imali mboleko yesitoko: Imalimboleko yokuthenga isitoko ku-inthanethi ehlanganiswa izibambiso namadiphozithi ku-akhawunti yesibambiso
※ Ukuze uthole imininingwane enemininingwane yomkhiqizo, sicela ubheke iwebhusayithi ye-IBK Savings Bank (sbloan.ibksb.co.kr/ibk/loan/loan_05_03.jsp).

■ Imalimboleko ephakathi kwe-Stone 2: Imalimboleko esekelwa uhulumeni yabahwebi abanezikweletu eziphakathi nendawo neziphansi
※ Ukuze uthole ulwazi oluningiliziwe lomkhiqizo, vakashela iwebhusayithi ye-IBK Savings Bank (sbloan.ibksb.co.kr/ibk/loan/loan_02_02.jsp)
Ngicela uqaphele.

※ Ukuze uthole ulwazi oluningiliziwe lomkhiqizo, vakashela iwebhusayithi ye-IBK Savings Bank (www.ibksb.co.kr).
Ngicela uqaphele.
· Sicela uhlole incazelo yomkhiqizo kanye nemibandela nemibandela ngaphambi kokusayina inkontileka.
· Unelungelo lokuthola incazelo eyanele ngaphambili yomkhiqizo, futhi ngemva kokuqonda incazelo,
Sicela wenze ibhizinisi.
· Ukuboleka ngokweqile kungabangela ukwehla kwamaphuzu esikweletu somuntu siqu.
· Ukwehla kwamaphuzu esikweletu somuntu siqu kungase kubangele imikhawulo noma kubi ekwenziweni kwezimali.
· Uma kwenzeka ukukhokha sekwephuzile, isibopho sokubuyisela uthishanhloko kanye nenzalo singase siphakame ngaphambi kokuphela kwesikhathi senkontileka.
[Imiyalo yokuqinisekisa/yokuvikela]
- Isekela isevisi elula yokuqinisekisa ye-Korea Federation of Savings Banks. (Ihlinzeka ngephinikhodi, iphethini, nokuqinisekiswa kwezigxivizo zeminwe)
- Izitifiketi zomphakathi kanye ne-moTP (i-OTP yeselula) zisekelwa ukusebenzisa izinsiza zezezimali ze-elekthronikhi.
- Isekela izinsizakalo zokuvimbela ukukhwabanisa kwezezimali nge-elekthronikhi.
(Isevisi yokuqokwa kwetheminali noma isevisi eyengeziwe yokuqinisekisa)
[Umhlahlandlela wokusebenzisa izimvume zohlelo lokusebenza]
- (Kuyadingeka) Indawo yokugcina: Isetshenziselwa ukufinyelela imidiya evikelekile njengezitifiketi zomphakathi
- (Kuyadingeka) Ucingo: Isetshenziselwa ukuxhumana, ukuqinisekiswa kobunikazi, kanye nokuqinisekiswa kwedivayisi
- (Ongakukhetha) Ikhamera: Ikhadi le-ID yesithombe
- (Ongakukhetha) Isaziso: Isetshenziselwa ukuhanjiswa kwe-PUSH kolwazi lwezezimali, imicimbi, njll.
- (Ongakukhetha) Imakrofoni: Isetshenziselwa amakholi wevidiyo
- (Ongakukhetha) I-ID YOBUSO: Ukucubungula ubuqiniso okulula
※ Ukuqinisekisa ukusetshenziswa kahle kohlelo lokusebenza, sicela amalungelo amancane okufinyelela.
※ Ungasebenzisa isevisi noma ungavumelani namalungelo okufinyelela ozikhethele, kodwa kungase kube nemingcele ekusetshenzisweni kweminye imisebenzi.
※ Ngemibuzo mayelana ne-IBK Savings Bank i-Bank, sicela ushayele isikhungo samakhasimende (1522-7900). (Amahora okubonisana: phakathi neviki 9:00 - 18:00)

I-IBK Savings Bank Compliance Officer Deliberation No. 2024-96 (2024.04.17.~2025.04.16.)
Kubuyekezwe yi-Korea Federation of Savings Banks No. 2023-00384 (2023.04.04.~2024.04.03.)

[Iqoqo ledatha yekhasimende (ulwazi olubucayi)]
- Izinto ezizophenywa ngokungaziphathi kahle kwezikweletu (ukuvinjelwa kokonakala kwezwi kumakhasimende asebenzisa i-IBK Savings Bank App ngokutholwa kwezinhlelo zokusebenza ezinonya): Ulwazi lokutholwa kohlelo lokusebenza olunonya, ulwazi lokuxilonga Ezinhlelweni Ezinonya ezitholiwe.
- Hlola imvume yokufinyelela ulwazi lokusetshenziswa ngenjongo yokuvimbela ukukhwabanisa kwezezimali ngezinhlelo zokusebenza zesilawuli kude.