신협담보대출

Plan a bigger future with a credit union mortgage loan!
We help you purchase a home or raise funds through stable financial support.
Start a safe and smart financial life with Credit Union!

▶ Housing mortgage loan (as of 2024.11.07)
ㆍTarget products: Apartments, villas, single-family homes (metropolitan area)
ㆍLoan interest rate: 5.5% ~ 5.7% per year (preferred, subordinated / variable interest rate)
ㆍExample of total loan cost: If 1 million won is repaid in equal installments of principal and interest by applying an annual interest rate of 5.5% over 12 months, the total repayment amount is 1,030,041 won.
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: Shortest 1 year, longest 29 years
ㆍPremature repayment fee: 1.6% for individuals, 1.8% for businesses
ㆍIncidental expenses: 50% import stamp duty (if the amount is over 50 million won)

▶ Business collateral loan (as of 2024.11.07)
ㆍTarget product: Apartment
ㆍLoan interest rate: 5.5% ~ 5.7% per year (preferred, subordinated / variable interest rate)
ㆍExample of total loan cost: If 1 million won is repaid at maturity by applying 5.5% annual interest over 12 months, the total repayment amount is 1,055,000 won.
ㆍLoan limit: Maximum LTV 70%~80%
ㆍRepayment method: Lump sum repayment at maturity
ㆍLoan period: Minimum 3 years, maximum 10 years
ㆍPremature repayment fee: 1.6% for individuals, 1.8% for businesses
ㆍIncidental expenses: 50% import stamp duty (if the amount is over 50 million won)

* Note: There are slight differences depending on the loan repayment method.