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[이데일리 이진철 기자] Gwangju Bank’s’Prime Plus Loan’, which is aimed at middle and low credit users, is raising high sales.
Gwangju Bank announced on the 27th that the non-face-to-face medium-rate credit loan’Prime Plus Loan’, launched to accommodate mid- and low-credit customers, has surpassed 100 billion won in sales within two months after its launch (January 22).
Although the demand for loans is increasing as the economy becomes difficult due to the prolonged COVID-19 outbreak, financial authorities are striving to regulate the total amount of mortgage loans and strengthen the DSR (Total Debt Principal Repayment Ratio) to stabilize the rise in household debt. As a result, it is pointed out that as the loan threshold for banking sectors rises, middle- and low-credit users who are relatively sensitive to economic changes are being pushed to use the high interest rates of the second financial sector or to illegal private financing, etc.
Gwangju Bank said, “The reason that Prime Plus Loan was able to raise high sales in a short period of time was to accurately grasp the financial needs of financial consumers that were not included in the trajectory of the first financial sector. It was because it was calculated quickly and provided financial support in a timely manner.”
Prime Plus Loan can apply for a loan of up to 50 million won by mobile (smart banking, mobile web banking) at any time for employees with salary income. The repayment period can be freely selected within a maximum of 5 years, and there is no interim repayment fee.
In particular, while other banking sector’s medium-interest-rate loan products account for a significant portion of sales to high-end customers, Gwangju Bank’Prime Plus Loan’ accounts for about 73% of customers with mid- to low-credit customers with a credit score of 830 points (old grade 4) or less. Gwangju Bank emphasized that it fits the purpose and purpose of the mid-interest rate loan.
The average interest rate of’Prime Plus Loan’ handled so far is in the high 6% range, and its superiority in comparison with the average interest rate of loans from the second financial sector is also having a significant impact on the increase in sales.
Gwangju Bank President Song Jong-wook said, “We have differentiated from existing products by grasping the repayment ability of the financially marginalized class through thorough market analysis and the latest evaluation techniques.” “Practicing inclusive financing for middle and low credit customers who may be marginalized in the first financial sector. I will do it.”