Since it is a loan, it may not be eligible if the credit rating is low.

1. Loan interest rate


Unfortunately, the Top’s Club rating and interest rate have nothing to do with it, but only based on the criteria for applying interest rates by credit rating set by Shinhan Bank. That’s why you have to manage your credit rating consistently.


2. Loan Limit

The loan limit is applied differently depending on the grade. Up to 5 million won for classical music, up to 7 million won for best, up to 15 million won for ace, and up to 20 million won for Premier.


3. Loan term and repayment method

If you look at the terms of Shinhan Bank’s Top’s Club loan, you can use the loan for one year, but you can use it for up to 10 years depending on whether it is extended. The results of the examination are applied differently depending 비대면 폰테크 on the individual’s credit rating and performance score. You can pay back the loan by choosing between a negative account or a lump sum repayment method.


4. Redemption Fee

If you pay back while using Shinhan Bank’s Top’s Club loan, you will be charged a prepayment fee. This applies differently depending on fixed and variable interest rates, 0.8 percent for fixed and 0.7 percent for variable interest rates.


1. Online application

You can apply for Shinhan Bank’s Top’s Club loan with only one cell phone. You can apply for a loan even if you don’t visit the store. I recommend you to visit after asking in advance because you don’t know what will happen from the date of application.


> Let’s find out what kind of mobile loans Shinhan Bank has.

> How should I proceed with the non-face-to-face credit loan?


2. What about counseling?

If you have any other questions about Shinhan Bank’s Top’s Club loan, you can contact the Shinhan Bank call center or the branch. Counseling is available from 9 a.m. to 6 p.m. on weekdays.


So today, we had a time to find out about the terms of Shinhan Bank’s Top’s Club loan terms and conditions. We also looked at the qualifications of Top’s Club loans and terms and conditions for loans. Since it is a loan from the first financial sector, it may not be eligible if the credit rating is low.

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