아파트담보대출의 특성상 상당한 금액의 대출금액이 필요하기 때문에 0.1%의 금리차이라도 상당한 금액차이가 나기 마련입니다.
아파트를 담보로 1,2천만원을 대출받으려는 분들은 없습니다.
기본적으로 몇천만원 이상의 자금이 필요한것이기때문에 대출금리비교를 꼭 해보셔야 합니다.
페퍼저축은행 아파트론 내용
아파트 담보설정 없이 최대 3천만원까지 가능한 신용대출 상품
대출대상 : 아파트(주택)를 소유한 개인사업자 및 직장인
대출한도 : 최소 1백만원 ~ 최대 3천만원
대출금리 : 최저 연 9% ~ 최고 연 22% (2016년 3월 3일 현재)
중도상환수수료 : 3년 이내 최대 2% (잔여일수에 따라 차등적용/중도상환수수료 포함 연 27.9% 이내)
* 예시 : 중도상환대출금액 X 중도상환수수료율 X (중도상환약정잔여일수 ÷ 중도상환약정일수)
대출기간 : 최대 5년 (만기일시상환의 경우 대출기간 1년만 허용)
상환방법 : 매월 원금균등분할상환, 매월 원리금균등분할상환, 만기일시상환 (매월 후취)
신청방법 : 인터넷 신청, 영업점 방문신청, 대출담당직원 등 상담 신청
제출서류 : 신분증, 등기부등본, 재직서류, 소득증빙서류 등
상품특징 : 아파트 담보대출 한도가 부족하신 고객에게 추가 담보설정 없는 신용대출
부대비용 : 없음
취급수수료 : 없음
연체이율 : 대출금리+ 연10~12% (최대 연27.9% / 연체기간별 상이)
– 연체기간이 1개월 이하 : 약정이자율 + 연 10%
– 연체기간이 1~2개월 : 약정이자율 + 연 11%
– 연체기간이 2개월 초과 : 약정이자율 + 연 12%
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