The annual total cost rate includes interest, allocation fee, life insurance for the loan term, and taxes, and has been calculated based on an example term and amount.

The blocked currency and amount are calculated assuming it is considered a demand deposit. This may vary depending on customer preference.

“These calculations are for informational purposes only and are subject to change depending on the loan amount, term, and collateral, and are not binding.”

“Our bank reserves the right to change campaign features and terminate the campaign according to market conditions.”
The allocation fee includes 3% bank and insurance transaction taxes, entry fees, share fees, and taxes on these items. A 0.5% stamp duty is collected for each loan application.

The annual cost rate has been calculated assuming the consumer makes regular installment payments.

Documents Required for Loan Applications

• For customers without a criminal record and individuals who are not our customers, a risk assessment is required.
• Original and photocopy of identity card or passport (the same documents will be requested from the guarantor(s)),
• An official document confirming the address, a current electricity or water bill (excluding identity card) (the same documents will be requested from the guarantor(s)),
• Income Statement (the same documents will be requested from the guarantor(s)).
• For vehicle-secured loans, a proforma invoice, and a photocopy of the vehicle registration certificate for vehicles purchased from individuals. For real estate-secured loans, the real estate registration certificate.
• For customers wishing to use foreign currency loans, a Consumer Information Form regarding Foreign Currency Loans is also required.

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