The maximum limit is 30 million won, and the interest rate

Hello! This is a current blog that tells you about your loans and financial news. Compared to other jobs, public officials can use lower interest rates when they receive loans with certain income and status. Among them, preferential loans for commercial bank officials and pension loans from the Public Service Pension Service benefit more from public officials, but there are so many types of loans that it is difficult to choose. Today, we will have time to find out the types of public servant loans.
public servant pension loan
There are three major types of public servant loans: pension loans, student loans, and preferential loans for bank officials.

It is a product that can be borrowed directly from the Public Employees Pension Corporation by re-writing the Public Officials Pension Fund. It is possible to borrow from January every year until all the re-allocated for one year is used. Public Pension Service Pension Loans are divided into general loans and special loans.
The limit of the public servant pension corporation loan is set within 5 million won to 50 million won depending on the credit score and the loan of the person or special loan. The interest rate is about 3.5% in conjunction with the Bank of Korea household loan rate. If you meet the conditions of social care such as housing purchase, lease, elderly parent support, 3 child rearing, newlyweds, you can get a 1% interest rate cut.

The loan of the public servant pension corporation loan is the official name by the loan for the current public official or the child’s college entrance fee, tuition fee, and tuition fee.
preferential loan of bank officials
The loan made by the Bank and the Public Service Pension Service is a preferential loan for the Contract Bank officials. We are currently in agreement with Hana Bank, Kookmin Bank, Nonghyup Bank, Woori Bank.
Kookmin Bank Public Service Loan Type
KB Life Partner Credit Loan
It is for civil servants who have been in office for more than one year, up to 150 million won, and the loan period is up to 5 years. The interest rate is 4.38 ~ 4.44%, and if you receive a 0.9% preferential interest rate, you can get a loan at a low interest rate of 3.48%.
KB public service preferential loan
KB government employee preferential loan made by the Public Officials Pension Corporation and Kookmin Bank is a preferential loan product for bank officials. In order to apply for a loan, a bank loan recommendation letter must be issued by the Public Service Pension Service. The limit on loans is determined by the length of tenure and severance pay, with the loan period up to 10 years; interest rates of 3.99%–4.01%, and preferential rates of up to 1%. If the minimum interest rate is applied to 1% preferential interest rate, it can lower the interest rate to 2.99%.
public servant pension recipient credit loan
For retired civil servants, there must be at least one pension transfer to Kookmin Bank account: interest rates are 3.98 to 4 percent, and the loan period is up to five years. The preferential rate is 1%, and if you receive preferential interest rate benefits, you can lower interest rates to 3.98%.
Shinhan Bank Government Employees Loan Type

It is a preferential loan for civil servants who are expected to be appointed as public officials and those who have passed the civil service. The limit is up to 150 million won. The interest rate is 4.38 ~ 4.42%, and if you receive a 1% preferential interest rate, the interest rate will be lowered to 3.42%.
a comfortable public servant loan
It is an online loan that can 폰테크 be applied to civil servants who have a term of office for more than three months. The limit is up to 150 million won, and the interest rate is 4.28%, 4.32%, which is the lowest 3.38% interest rate if the 0.9% preferential interest rate benefit is applied.
Shinhan Bank Elite Theory
The interest rate is slightly higher, 4.68–5.68%, but the loan limit is up to 200 million; with a 1% preferential rate, the minimum interest rate is 3.68%.
Nonghyup government employee loan type
NH e public servant loan
It is a loan for public officials who have been in office for more than a year. It is up to 50 million won loan limit, and it is convenient to apply on smartphone. It is 4.34 ~ 4.46% interest rate, and preferential interest rate can be lowered to 3.94% if it receives 0.4%.
Nonghyup Exciting Worker Loan
It is a loan product for employees, but civil servants can apply. The limit is the highest at 250 million won, and must be in office for more than a year. The interest rate is determined at 4.34 ~ 4.48%, and if you receive a preferential interest rate of 0.4%, the interest rate will be lowered to 3.94%.
NH Newcomer Preferred Loan
Those who are expected to be appointed to public officials and those who have passed the civil service can apply for it. The maximum limit is 30 million won, and the interest rate is 3.77% ~ 3.99%. Preferred interest rates can be up to 1%, and if all preferential rates are applied, interest rates will fall to 2.77%.
bank official preferential loan recommendation product
Recently, many non-face-to-face loan products that can be applied on smartphones or online have been released. Mobile loans are lower than loans that are applied by visiting branches. And you can apply conveniently if you only apply the necessary documents, your cell phone, and your authentication.Therefore, when choosing a preferential loan for bank officials, we recommend non-face-to-face loan products that can be applied on mobile or online.

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