Real-time online viewing of loan status, quick application and early repayment services are provided with the ESOP Share-Backed Loan.
The amount of loans that you can take out and the interest rates that we offer to you can be checked online! There is no need to visit our branches to take out this loan. Loans are provided as soon as the identification process is complete.
No service fees and prepayment fees!!
| Eligible Customers | ESOAs |
|---|---|
| Interest Rate | Benchmark Rate: 91-day CDs (variable interest) Loan Interest Rate: benchmark rate + spread ± interest discount |
| Loan Limit | Up to KRW 300 million per person ※ Loans not provided in the case the applicable loan amount is KRW 300 million or less, or the submitted shares are not eligible as collateral |
| Loan Period | 1 year (Extendable) ※ Retirees cannot apply for extension |
| Method of Repayment | Repaid at maturity |
| Fees | No service fees and prepayment fees |
| Collateral | ESOPs deposited with KSFC |
| Initial Collateral Ratio |
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| Collateral Maintenance Ratio(Standard for collateral shortage) |
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