신협대출 평생어부바

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First and second lien apartment mortgage loans
New and additional mortgage loans
Life stabilization loan
Mortgage loan for business owners with reduced burden through lump sum repayment at maturity
Motel mortgage loan for remodeling facility funds
Church mortgage loan for operating capital and facility funds

Recently, the government has faced many difficulties by strengthening loans such as DSR and DTI to prevent real estate price increases.

Credit unions have some leeway in lending regulations and want to provide good opportunities to prospective borrowers.


*Loan products: business mortgage loan, housing mortgage loan, church mortgage loan, motel mortgage loan, jeonse loan mortgage loan
*Target items: APT, villa, single-family home (metropolitan area only)
*Target area: Seoul, Gyeonggi-do, metropolitan cities, large cities (small local cities and non-urban areas not allowed)
*Loan interest rate: 5% range

1. Business mortgage loan

ㆍLoan details: New and additional collateral loans for operating funds
ㆍLoan interest rate: 5.5~5.7% annual interest rate (priority/subordination/variable interest rate)
ㆍLoan limit: Maximum LTV 70%~80%
ㆍRepayment method: Lump sum repayment at maturity
ㆍLoan period: 3 years (extendable up to 10 years)
ㆍDelinquent interest rate: Loan interest rate + 3% per year
ㆍPremature repayment fee: Individual 1.6%, Business 1.8%

2. Home mortgage loan

ㆍLoan details: New and additional secured loans
ㆍTarget products: Apartments, villas, single-family homes (metropolitan area)
ㆍLoan interest rate: 5.5~5.7% annual interest rate (priority/subordination/variable interest rate)
ㆍLoan limit: Up to 80% of market price
ㆍRepayment method: repayment in equal installments of principal and interest, repayment in equal installments of principal
ㆍLoan period: 1 year grace period, 29 years
ㆍDelinquent interest rate: Loan interest rate + 3% per year
ㆍPremature repayment fee: Individual 1.6%, Business 1.8%

3. Deposit loan

ㆍLoan details: Rental deposit collateral loan for housing tenants
ㆍTarget: Individuals who can provide proof of income
ㆍLoan interest rate: 5.5~5.7% annual interest rate (variable interest rate)
ㆍLoan limit: Up to 80% of the rental deposit
ㆍRepayment method: Lump sum repayment at maturity
ㆍLoan period: Within the lease agreement (extendable)
ㆍDelinquent interest rate: Loan interest rate + 3% per year
ㆍPremature repayment fee: Individual 1.6%, Business 1.8%

4. Motel mortgage loan

ㆍLoan details: Accommodation business operators (motels, hotels)
ㆍLoan interest rate: 5.2~7.0% annual interest rate (preferred, subordinated/variable interest rate)
ㆍLoan limit: 80% of appraised value
ㆍRepayment method: Lump sum repayment at maturity
ㆍLoan period: 3 years (extendable for 10 years if conditions are met)
ㆍDelinquent interest rate: Loan interest rate + 3% per year
ㆍPremature repayment fee: Individual 1.6%, Business 1.8%


5. Sunshine theory
ㆍTarget: Workers and self-employed people with an annual income of KRW 45 million or less and a credit score of 600 or less, or an annual income of KRW 35 million or less with a credit score of 600 or lower.
ㆍLoan interest rate: 8~9% annual interest rate (variable interest rate)
ㆍLoan limit: Up to 25 million won (different by credit score)
ㆍRepayment method: Repayment of principal in equal installments (partial repayment of principal + monthly interest)
ㆍLoan period: 3 or 5 years
ㆍCommission: None (however, for Sunshine Loan, guarantee insurance premium is incurred depending on the loan period)


Loan interest rate: Within the interest rate notified by the Financial Supervisory Service, the upper limit interest rate is subject to change depending on changes in the funding interest rate (one-year maturity term deposit)/living fund (base rate + additional interest rate), refinancing fund (fixed interest rate), overdue interest is a loan Interest rate + 3% per year Loan limit: Up to 30 million won (15 million won for living, 30 million won for refinancing) / Loan period: 3 years or 5 years / Sunshine loan repayment example (Repayment method: Repayment of principal in equal installments, loan amount 1000 10,000 won, loan period of 36 months, applicable interest rate of 8.78% per annum, monthly repayment of 277,777 won (principal is the same) + interest (continues to decrease as the period progresses)
It may differ slightly from the actual repayment amount.
Loan period: shortest 12 months ~ maximum 60 months

There is no early repayment fee for the Sunshine Loan.

In these days when it is difficult to get a loan, try getting a loan with ‘Shinhyup Sunshine Loan’.

Feel free to take advantage of annual interest rates.




Advantages of Sunshine Loan

This is a Sunshine loan that replaces high interest rates with low interest rates.
Sunshine Loan is available for quick consultation through refinancing loan/living fund/business loan Sunshine Loan.

Sunshine Loans are available for up to 50 million won, and the loan period is 36 to 60 months (maximum 5 years).
Just by refinancing a high-interest loan, you can save hundreds of thousands of won in interest every month.

If you are using a capital, savings bank, credit card company (card loan), or loan, only to regular repayers.
Interest of more than 20% can be refinanced to a low interest rate of 7-8%.

In addition, for wage earners and business owners with an annual income of 40 million won or less, credit ratings of 6 to 8 are required.
Sunshine Loan is possible without any problems.

The Sunshine Loan is repaid in equal monthly installments of principal and interest.
Through the app, you can conveniently use the Savings Bank's Sunshine Loan target inquiry and limit inquiry.