모아저축은행 디지털뱅크

Moa Savings Bank is launching a new Moa Digital Bank app. We will strive to provide safer and more convenient services to Moa Digital Bank customers. [Services provided by Moa Digital Bank] •Non-face-to-face account opening service: Opening an account for free deposits and withdrawals through non-face-to-face real-name verification (different procedures for each product) •Convenient transfer service: Easy and fast remittances such as transfers and scheduled transfers •Financial product mall: Various financial products such as loans for office workers, business owners, and housewives, and e-Moa regular savings [Moa Digital Bank digital authentication service] •Easy login with simple password, pattern authentication, and biometric authentication •Moa banking service available without visiting a branch [Moa Savings Bank Office Worker Credit Loan (Trust Loan)] •Eligibility - Customers aged 19 or older who can prove their income - NICE credit score of 600 or higher •Loan limit - KRW 3 million or more and KRW 50 million or less (Differential application depending on personal credit score and income) •Loan period - Equal installment repayment of principal and interest: Minimum 12 months ~ Maximum 84 months •Interest rate type - Fixed interest rate •Loan interest rate - Minimum 13.1% per annum ~ Maximum 19.9% ​​per annum (as of April 16, 2025) (Differential application depending on personal credit rating and income) •Repayment method - Equal installment repayment of principal and interest: Repay the principal and interest (principal + interest) equally over the loan period •Interest payment method - Monthly post-payment •Fees - Handling fee: None •Premature repayment fee - Premature repayment fee: Premature repayment amount x Premature repayment fee rate (1.7%) x (Loan remaining period/Loan period) * ​​Exemption criteria: Premature repayment fee is exempted after 3 years from the loan handling date •Required documents - Identification card, resident registration copy, income verification documents, etc. •Overdue interest rate - Loan interest rate + 3% or less (maximum annual 20%) •Cognitive Tax - None •Loan Interest Rate Calculation Criteria - Loan Interest Rate = Base Interest Rate + Surcharge - Base Interest Rate: Procurement Cost - Surcharge: Differentially applied based on the bank's internal rating, etc. •Notes - Loans may be rejected based on internal review criteria. - Please check the product description and terms and conditions before signing the contract. - You have the right to receive sufficient prior explanation of the product, and please understand the explanation before making a transaction. - Excessive borrowing may cause a decrease in your personal credit score. - A decrease in your personal credit score may result in restrictions or disadvantages in financial transactions. - In case of delinquency, you may be required to repay the principal and interest before the end of the contract period. - For other details, please contact the customer center (1566-0007). [Moa Savings Bank Customer Center] - Electronic finance, deposit inquiries, and loan inquiries: 1566-0007 (Weekdays 9:00-18:00) [Moa Digital Bank Usage Rights and Purpose Guide] • Required access rights - Taking pictures and recording videos: Permission to process ID card authenticity verification when applying for a loan or verifying identity. - Making and managing calls: Permission to process direct call buttons for branches, ARS identity verification. - Access to photos, videos, music, and audio: Required permissions used when signing up for a joint certificate membership, copying joint certificates, electronic loan agreements, and electronic financial transfers. • Compliance Supervisor Review - No. 2025-222 (2025.04.29~2026.04.28) • Savings Bank Central Federation Review - No. 2025-00278 (2025.03.18~2026.03.17)