Loans backed by customers' securities as collateral are provided

Securities-Backed Loan

Loans backed by a wide range of securities are provided with high loan limits, aiming to address the various financing needs of customers.

Loan Limit for Individual Customers KRW 41.5 billion, Loan Limit for Corporate Customers KRW 110.7 billion ※ The highest loan limits as of June 2014. Different loan limits apply according to credit analysis.

Product Details

Product Details
	Revolving Loan	Non-Revolving Loan
Eligible Customers	Individual and corporate customers that hold securities
Loan Limit	KRW 134 billion for individual customers (Loans applied online with identification process: KRW 1 billion; loans applied online without identification process: KRW 300 million) KRW 153 billion for corporate customers(As of March 2020; different loan limits apply according to credit analysis)
Collateral	Listed stocks, bonds, beneficiary certificates, CDs, CPs, subordinated bonds, unlisted stocks, stock options ※ Real estate can be used as secondary collateral ※ Certain securities may be determined ineligible upon inspection
Loan Period	1 year (May be extended each year)
Interest Payment	Automatically paid from the customer's account on the day designated by the customer
Transaction Method	Possible to withdraw or repay funds up to a pre-approved loan limit and make repayments during the agreed loan period	Possible only to repay the loans during the agreed loan period (a prepayment fee is charged if the customer repays the loan more than one month before maturity) *Prepayment fee=repaid amount x fee rate (1.0%) x no. days until maturity ÷ 365 (366 in leap years)
Interest Rate	■ Loan interest rate : Benchmark rate + Spread ± Profit margin ◆ Benchmark rate(variable interest rate) : Choose between 91-day CD / 6-month or 1-year AAA-rated unsecured bank bond (1-year AAA-rated unsecured bank bond is only available for blue-chip customers with loan contract for more than one year) ※ Interest rate spread is 0.5%p higher than that of non-revolving loans (as of July 1, 2018)	■ Loan interest rate : Benchmark rate + Spread ± Profit margin ◆ Benchmark rate(choose between fixed or variable interest rate) - Fixed interest rate : 1-year AAA-rated unsecured bank bond - Variable interest rate : Choose between 91-day CD / 6-month or 1-year AAA-rated unsecured bank bond (1-year AAA-rated unsecured bank bond is only available for blue-chip customers with loan contract for more than one year)

※ Please contact our customer service for more detail.

Product Strengths

Higher Loan Limit Loan limit can be raised after loan evaluation, More Eligible Securities A variety of assets may be submitted as collateral,No Fees Long-term loans, no fees, Convenient Services Repay by selling the collateral online without visiting our office

1.The loan limit can be raised depending on the loan evaluation.
2.The loan can be backed using various assetssuch as stocks, bonds, beneficiary certificates, unlisted stocks, and stock options.
3.Long-term loans (one-year extensions) are possible, and service fees and prepayment fees are exempt for revolving loans.
4.You can apply for repayment by selling the collateral or take out loans (up to KRW 300 million) online, without having to visit our branches.

Note

Different interest rates apply to this product depending on the submitted collateral and the credit rating of the borrower.
Only customers with certain credit ratings may take out loans backed by unlisted stocks, so please contact any of our branches to see if you are eligible.

Deposit/Loan Product List