Prime Rate Loans
Subject Loan : All loans not subject to deposit interest rate or fixed lending rate
Formula : Standard Lending Rate + Additional Lending Rate
- Standard Lending Rate (Prime Rate): 9.75%
- Additional lending rate is determined by a loan officer based on credit rating and expected contribution level
Loan linked to deposit interest rate
Subject Loan: Loan secured by deposits, installment savings, mutual installment savings
Formula: Deposit interest rate + 1.5%
Standard Market-based Lending Rate
Standard Lending Rate for Overdrafts
- Subject Loan: Overdrafts
- Formula : Standard Lending Rate + Additional Lending Rate
- Additional lending rate will be decided by a loan officer after taking credit rating and contribution level into consideration.
Standard Lending Rate for Exposure
- Subject Loan: SME discount notes, Loans on International Trade notes
- Formula : Standard Lending Rate + Additional Lending Rate
- Additional lending rate is determined by a loan officer based on credit rating and expected contribution level.
Standard Lending Rate for Short-term Loans
- Subject Loan: Large Corporate Discount notes, General Revolvers, Discounted International Trade notes, Receivable Trade Loans
- Formula : Standard Lending Rate + Additional Lending Rate
- Additional lending rate is determined by a loan officer based on credit rating and expected contribution level.
Standard Lending Rate for Other Loans
- Subject Loan: General Loans (Others), Discount notes (Other Discount notes)
- Formula : Standard Lending Rate under Fund-raising Interest Rate + Additional Lending Rate
- Blended-yield based on Earnings Rate of CD Circulation, Earnings Rate of Corporate Bond, Earnings Rate of Finance Bond, etc.
- Additional lending rate is determined by a loan officer based on credit rating and expected contribution level.
Guaranteed Fees : Basic + Additional
Basic Guarantee Fees: 1.0%
Additional Guarantee Fees: above 0.0~1.5%
Additional lending rate is determined by a loan officer based on credit rating and expected contribution level.