Summary
This product is the loan for the capital used in the corporate production and sale. Among the corporate loans,
the loan account title of general loan(working capital loan) is not set separately.
| Recipient | Corporate client/sole proprietor |
| Amount | Within required amount. |
| Repayment Method | Lump-sum repayment at maturity/Installment repayment of principal/Installment repayment of principal and interest. |
| Measures against failure of repayment | Measures are taken according to the Transaction Agreement of each client and the Basic Terms and Conditions on Credit Transaction. |
| Loan period | Proper term is set considering purpose of loan, repayment capability and contribution to profits, etc. (within one year in most cases) |
| Applied interest rate |
Spreads based on cost of credit/business cost/comprehensive expenses are added to the cost of funds. The types of interest rate is fixed rate and floating rate. Fixed rate means that the rate cannot be changed until the date of loan maturity in principle. On the other hand, floating rate means that the rate can be changed according to the change of market rate or notified rate. As for more details, please refer to the Agreement on Credit Line Transaction. (Please consult with the relevant branch regarding specific interest rate.) |
| Requirement of Collateral | It is determined in the process of analysis on credit provision. |
| Other expenses |
Stamp tax: in accordance with the Stamp Tax Act Other expenses are set according to the fee standard of CKI. |
The above-mentioned contents are effective until the notification on the end of product sale.
Inquiry & Consultation
- - Please contact the relevant branch for more details.
