모아저축은행 디지털뱅크

Features 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: Open account for free deposit and withdrawal through non-face-to-face real name verification (procedures vary by product)•Transfer convenience service: Easy and fast remittance such as transfer and reservation transfer•Financial product mall: Provides a variety of financial products such as loans for office workers, business owners, and housewives, and e-Moa regular savings.[Moa Digital Bank Digital Certification Service]•Easy login with simple password, pattern authentication, and biometric authentication•Moa banking service available without having to go to a branch[Moa Savings Bank Office Worker Credit Loan (Reliable Loan)]•Application target- Customers aged 19 or older with proof of income- NICE credit rating of 600 points or higher•Loan limit- More than 3 million won and less than 50 million won(Applied differentially depending on personal credit score and income)•Loan period- Repayment in equal installments of principal and interest: minimum 12 months ~ maximum 84 months•Loan interest rate- Minimum 16.4% per year ~ Maximum 20.0% per year (as of March 2024)(Applied differently depending on personal credit score and income)•Repayment method- Repayment in equal installments of principal and interest: Repayment by dividing the principal and interest (principal + interest) in equal installments during the loan period•Interest payment method- Monthly afterodor•charge- Handling fee: None•Premature repayment fee- Within 2.0% (exemption of early repayment fee when trading for more than 3 years from the loan date)•required documents- ID card, copy of resident registration, income proof documents, etc.•Delinquent interest rate- Loan interest rate + 3% or less (maximum 20% per year)•stamp duty- doesnt exist•Loan interest rate calculation standards- Loan interest rate = base interest rate + additional interest rate- Base interest rate: procurement cost- Additional interest rate: differentially applied depending on the bank’s internal rating, etc.•Notice- Loans may be rejected depending on internal review standards.- Please check the product description and terms and conditions before signing the contract.- You have the right to receive a sufficient prior explanation of the product, and please understand the explanation before transacting.- Excessive borrowing can cause a decline in personal credit score.- A decline in personal credit score may result in restrictions or disadvantages in financial transactions.- In case of late payment, an obligation to repay the principal and interest may arise before the expiration of the contract period.- For further information, please contact customer service at 1566-0007.[e-revolving term deposit]- A product that is automatically re-deposited by adding 0.1% to the 12-month e-money term deposit interest rate every rotation cycle (1 year)- Even in case of early cancellation, the contracted interest rate is provided for sections where the rotation cycle has already arrived.① Eligibility for subscription - Individuals over 19 years of age - Koreans holding a resident registration card or driver’s license② Subscription amount - 100,000 won or more③ Subscription period – 3 years, 4 years, 5 years (1 year rotation cycle)④ Contracted interest rate (variable interest rate, pre-tax) • Contracted interest rate at the time of registration = 12-month interest rate for e-Moa term deposit at the time of registration + 0.1% per year • Contracted interest rate at the time of rotation = e-moa term deposit 12-month interest rate at the time of rotation + 0.1% per year ▶ The e-revolving term deposit contract interest rate announced on the branch and internet website at the time of the new date (revolving date) is applied.
Interest rate reference: https://m.moasb.co.kr/dgd/deposit/DGD_ERD_DT3_010.do⑤ Interest payment method • Simple interest method: automatic transfer of monthly interest payment • Compound interest: At the end of each year, one year’s worth of compound interest is automatically transferred (only the principal amount is extended)⑥ Tax deduction: tax exemption, general taxation⑦ Early termination interest rate • Elapsed portion of each year’s rotation cycle: Contracted interest rate • Remaining balance of less than 1 year: Early termination interest rate lower than contracted interest rate, differentially applied depending on deposit period⑧ Restrictions • If seizure, provisional seizure, lien, etc.
are registered on the account, payment of principal and interest is restricted.⑨ Depositor protection [Applicable] In accordance with the Depositor Protection Act, this deposit is protected up to "50 million won" per person (combined with other protected products of this mutual savings bank), including the principal and a certain amount of interest.⑩ Precautions- Please check the product description and terms and conditions before signing the contract.- You have the right to receive a sufficient prior explanation of the product, and please understand the explanation before transacting.[Restrictions]- If seizure, provisional seizure, lien, etc.
are registered on the account, payment of principal and interest is restricted.- Establishment of pledge: possible (Deposit-secured loans are available up to 90% of the deposit balance)- No change in balance on the day of issuance of deposit balance certificate, etc.[Disadvantages of early termination]- If canceled before maturity, an early termination interest rate lower than the contracted interest rate is applied.[Moa Savings Bank Customer Center]- Electronic finance, deposit inquiries and loan inquiries: 1566-0007 (Weekdays 9-18)[Information on rights and purposes of using Moa Digital Bank]• Required access rights- Taking photos and recording videos: This is the right to verify the authenticity of your ID card when applying for a loan or verifying your identity.- Making and managing calls: Permission to use the button to make calls directly to branches, etc., and to process ARS identity authentication.- Access to photos, videos, music, and audio: This is a necessary permission used when signing up for joint certificate membership, managing joint certificate copies, loan electronic agreements, and electronic financial transfers.Compliance officer review completed- No.
2024-149 (2024.03.27~2025.03.26)•Complete review by Korea Federation of Savings Banks- No.
2024-00262 (2024.03.13~2025.03.12)