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Individual Customers

Up to 100% of the deposit balance put up as collateral are provided as loans

Deposit-Backed Loan

This product allows customers to take out loans backed by their deposits with the KSFC within the maturity of the deposits. Customers are able to receive up to 100% of the deposit balance as loans without having to make early withdrawals from the deposit account. Whenever you are in need of urgent cash, remember our deposit-backed loans.

Product Details

Product Details
Eligible
Customers		 Individuals and corporations that provide their deposits with the KSFC as collateral
Loan Limit
  1. 1. Up to 100% of deposit balance (However, for deposits that have been deposited for less than 6 months, the loan limit is up to 95% of the deposit balance)
  2. 2. After the loan transaction is initiated, pledge right is established on 130% of the deposits submitted as collateral for the loan
Collateral KSFC-wide deposits for individuals/corporations, financial investment institutions' deposits (limited to time and installment deposits)
Loan Period Up to 1 year
Possible to extend the period until the maturity of the deposits
Interest Payment Automatically paid from the customer's account on the date designated by the customer (on the 1st, 6th, 11th, 16th, 21st, or 26th)
Interest Rate Interest rate of the deposit submitted as collateral + spread (1%p)
(Interest discount possible)

※ Please contact our customer service for more detail.

Product Strengths

  1. 1.This loan product allows customers to borrow urgent cash without having to prematurely withdraw their deposits.
  2. 2.You can borrow up to 100% of the maximum deposit balance.

Note

  • Different interest rates apply to this product depending on the submitted collateral and the credit rating of the borrower.
Deposit/Loan Product List