OK저축은행

Okay Ssangsha! OK Savings Bank App reborn! Experience special services for customers in the new OK Savings Bank App. 『 Easy and fast use anytime, anywhere, 24 hours a day, 365 days a year. Log in conveniently with a simple password, pattern, or fingerprint to use OK Savings Bank! 』 ■ OK Savings Bank Mobile APP Services 1. Savings/Deposit - Non-face-to-face account opening: You can open a deposit/withdrawal account without visiting a branch. - Account inquiry: You can check your account anytime, anywhere through simple authentication. - Instant transfer: You can transfer up to 10 million won with simple authentication. - KakaoTalk transfer: You can send money directly to your friends through KakaoTalk. - ATM withdrawal: You can withdraw money from an ATM anywhere with simple authentication. - Products provided: You can sign up for deposits that roll over spare money, savings that make money with seed money, and free deposits that can be canceled at any time. 2. Loan - Credit loan: You can apply and remit money online at once. - Car loan: If you own a car, you can apply for a loan of up to 100 million won. - Home loan: If you own a house, you can apply for a loan of up to 95% of the market price. - Side loan: You can use a high limit at a high interest rate as a government-guaranteed product. - Additional/re-loan: Existing customers who need more loans can apply. 3. My account inquiry/management - Account inquiry: You can check and manage your savings/time deposit accounts and loan accounts. - Certificate issuance: You can apply for issuance of certificates related to deposits and loans. - Transfer: You can use transfer services such as immediate transfer, automatic transfer, scheduled transfer, and delayed transfer. - Immediate repayment: You can repay the loan using a certificate or ARS. - Electronic contract: You can write a contract with a certificate without visiting a branch. 4. Special benefits only for OK membership - Membership benefits: After signing up for membership, you can repay the loan with the accumulated points according to the loan transaction situation. - OK Game: You can receive game points by participating in “Roulette” and “Protect the Carrot Star.” - Event: You can enjoy unique benefits for membership customers. 5. Market price inquiry service - Check the market price of your car: You can check the market price of your car by taking a picture of your car number. 6. Customer Center - Ask anything 24 hours a day through OKiTalk chat consultation. - Call center representative number: 1899-7979 - Credit loan representative number: 1800-8282 ■Access rights 1. Required access rights - Storage: Application execution, coupon and transfer confirmation storage, image storage - Phone: Consultation connection and device authentication - Notification: Warning and icon badge - Information in installed apps: Used to check (collect/use) apps installed on smartphone devices that may be dangerous for the purpose of preventing voice phishing damage. 2. Optional access rights - Camera: ID photo and vehicle price confirmation - Push: Push notifications such as immediate transfer ※ You can use OK Savings Bank services even if you do not allow optional items, but some services may be restricted. ■ Notes ※ If updates do not work, please delete the installed OK Savings Bank app and reinstall it. ※ It cannot be used on smartphones and tablets that have been arbitrarily modified (rooted). ※ Data charges may apply when the flat-rate plan capacity is exceeded on 3G and LTE. ■ Loan Product Information Credit Loan Interest Rate: 5.9% ~ 19.99% per annum (Fixed, as of May 1, 2025 / Calculation Standard: Applied differently depending on the customer's personal credit rating, etc.) Credit Loan Default Interest Rate: Contracted Interest Rate + 3% per annum (Up to 19.99% per annum) Loan Target: Customers aged 20 or older with proof of income / Customers with a credit rating of [NICE] 351 or higher (may be rejected based on our screening criteria) Loan Limit: Minimum 100,000 won ~ Maximum 100 million won Interest Imposition Period: Monthly Post-Payment Repayment Method: Maturity Date/Equal Principal and Interest/Equal Principal, etc. Applied differently depending on the product Repayment Period: Minimum 12 months ~ Maximum 120 months Fees and Incidental Costs: Stamp duty is paid differentially depending on the loan amount, and the customer and savings bank each bear 50%. 50 million won or less: Tax-free, 50 million won or more to 100 million won or less: 70,000 won (35,000 won each)) Early repayment fee: (Household) Early repayment loan amount × Early repayment fee rate (1.0%) × (Loan remaining period ÷ Loan period), (Corporate) Early repayment loan amount × Early repayment fee rate (0.98%) × (Loan remaining period ÷ Loan period) * ​​Exemption criteria: After 3 years from the loan handling date or when the loan remaining period is less than 1 month *You have the right to receive sufficient prior explanation of the product, and please understand the explanation before making a transaction. *Please check the product description and terms and conditions before signing the contract. *Excessive lending may cause a decrease in your credit rating or personal credit score. *A decrease in your personal credit score may result in restrictions or disadvantages in financial transactions. *In case of late payment, you may be required to repay the principal and interest before the end of the contract period. *OK Savings Bank handles various credit loan products, and depending on the product and inflow route, the transaction conditions such as loan target, loan limit, and loan interest rate may vary. For more information about the product, please refer to the website. *Application available 24 hours a day, 365 days a year (except in case of reasons such as computer inspection of the bank) Savings Bank Central Association Deliberation No. 2022-00775 (valid period: 2022.06.15 ~ 2023.06.14) OK Savings Bank Compliance Supervisor Deliberation No. 2025-201 (valid period: 2025.05.09 ~ 2026.05.08)