우리WON저축은행

Introducing our WON Savings Bank, the smart financial assistant we want.

● Simpler, the home screen we WON

· Main widget to check all accounts at a glance

· Even if the app is closed, even if the app is stopped, a loan application that can continue directly from the main

Now, transfer is simple with KakaoTalk, KakaoTalk Simple Transfer

● Representative products provided by 「Woori Won Savings Bank」

Woori E-term deposit that can only be signed up in the Woori WON Savings Bank app

Deposit products and automatic loan products that can be easily signed up with one hand

● Application for automatic loan without visiting the bank

Easy document submission after co-certification

Real-time loan execution through inquiry of actual loan limit and interest rate

Loan money received immediately after writing a simple loan contract

● Customer-oriented and convenient loan management service

Searching the progress status of products currently applying for loans and proceeding to the next step

My loan account transaction details, details, loan repayment schedule search function

● Stronger security and authentication methods

Prevention of voice phishing and smishing by preventing forgery and alteration of smartphones

Easy login through authentication password and pattern, biometric authentication

● Customer service with more special benefits

· Event benefits that can only be participated in the app

· Push notification service that notifies you of major service changes

● Introduction of major loan products of Woori Financial Savings Bank

[Vita WON credit loan]

· Loan target

- Koreans aged 20 or older (earned income earners)

- Employees with an annual income of 12 million won or more

- Those who have worked at the current company for more than 3 months

- KCB CB score of 475 or higher, passed our CSS

Loan limit: minimum KRW 3 million ~ maximum KRW 50 million

Loan interest rate: 12.13% to 19.99% per year (differential application depending on the application channel and credit rating)

Overdue interest rate: contracted interest rate +3% (up to 20%)

Loan period: 12 to 84 months

Repayment method: Repayment of principal and interest in equal installments (payment of principal and interest in a fixed amount every month)

- Interest charge period: Payment of principal and interest in installments on the application payment date each month (with interest)

· Loan fee

- Early repayment commission rate: up to 2% (Calculation: pre-repayment loan amount × pre-payment commission rate × (remaining days of loan ÷ loan period))

(However, the pre-dead fee is applied to repayment within 3 years, and the early repayment fee is waived if it exceeds 3 years)

- Stamp tax: This is a tax paid at the time of signing a loan agreement in accordance with the Stamp Tax Act, and the tax amount is applied differently depending on the amount of the loan.

(More than 50 million won ~ less than 100 million won: 70,000 won (50% paid by the customer and the savings bank))

- No other incidental expenses

[Notice]

· The loan is determined according to the savings bank screening criteria and the customer's credit rating.

· Loan interest rates may change according to changes in the standard interest rate of the financial authorities or credit rating and review results.

· If repayment of the loan or interest payment is delayed, the overdue interest rate is applied, and property disadvantages may be suffered due to offsetting with other receivables such as deposits or legal procedures.

· For other details, please contact the main phone number at 1599-0038.

· It is illegal for a loan offeror to receive any nominal money (fee, consulting fee, etc.) from a customer in relation to a loan. (Financial Supervisory Service Report Center: 02-3145-8530)

If it is judged that the credit status of the person who is a household loan debtor has improved (increase in income or property due to job change and promotion, etc., improvement in credit rating, acquisition of professional license and employment, provision of additional security), interest rate reduction with supporting documents attached You can request a lower interest rate by submitting a request application to the savings bank.

· When a borrower requests an interest rate cut, the savings bank may decide whether to accept it by considering whether it falls under any of the following.

Is it a product whose credit status does not affect interest rates?

Whether the improvement in credit status is minor and does not affect the recalculation of interest rates

The savings bank notifies the customer of whether or not to accept the interest rate reduction request and the reason within 10 business days from the date of receipt of the interest rate reduction request (the period from the date of requesting the customer to secure the data to the date the data is submitted is not included). .

· Plan your loan considering your income and expenses!

· Please check the product description and terms and conditions before signing the contract.

· You have the right to receive a sufficient prior explanation of the product in accordance with Article 19, Paragraph 1 of the Financial Transactions Act, and please trade after understanding the explanation.

· Excessive borrowing can cause a drop in personal credit score.

· A drop in personal credit score may result in restrictions or disadvantages in financial transactions.

· In case of overdue, the obligation to repay the principal and interest may occur before the expiration of the contract period.

· The impact of loan contracts on credit

- Personal (credit) information inquiries do not affect your personal credit score.

- Even if the loan contract is repaid or the transaction is terminated in a similar way, the individual credit score can be calculated for a certain period of time.

- Credit extensions in financial sectors (or forms) with a high average delinquency rate may have a greater drop in credit score than other financial sectors or general types of credit extensions.

- A decrease in personal credit score may result in disadvantages in the use of loans and credit card products.

※ Guide to using the Woori Won Savings Bank app

· The service cannot be used on terminals with modified operating systems such as rooting.

· Additional data charges may apply depending on the mobile communication network subscription plan.

Woori Financial Savings Bank does not ask for your personal information or your entire security card number.

· Please pay attention to the safe protection of your assets.

· If you want to withdraw your consent to use the service, please contact the customer center (1599-0038).

The app access permission is requesting only the items necessary for the service, and the contents are as follows.

● Required access rights

· Camera: photo ID, document submission, joint certificate copy, QR code recognition, etc.

Notifications: Push notifications for notices and service information, etc.