Hana Bank will reduce the maximum limit for non-face-to-face dwellings mortgage loans (home mortgage loans) by up to 500 million won starting from the 3rd of next month.
Hana Bank noted on the 31st that it will reduce the loan limit for the non-face-to-face home mortgage product 'Hana OneQ Apartment Loan' from the previous maximum of 1 billion won to 500 million won. The limit for the 'Hana OneQ dwellings mortgage loan' will be reduced from 700 million won to 500 million won. The limit for face-to-face home mortgage loans will remain unchanged.
Starting from the 3rd of next month, Hana Bank will also introduce a new item for transaction fee reductions in non-face-to-face home mortgage loans and credit loan products. Previously, preferential rates were applied without any transaction requirements, but starting next month, it means that the transaction conditions must be met to receive interest rate reduction benefits.
The products under which the new transaction fee reduction item will be established include the Hana OneQ Apartment Loan, Hana OneQ dwellings mortgage loan, Hana switch dwellings mortgage loan, Hana switch residential officetel mortgage loan, and Hana OneQ switch credit loan.
However, the lower limit of the interest rate will remain unchanged. Hana Bank explained that these measures are aimed at stable management of household loans and activating customer transactions.
The maximum interest rate reduction due to transactions is 0.6 percentage points, with ▲ salary transfer of over 500,000 won (0.3 percentage points) ▲ card payments of over 300,000 won and over 700,000 won (maximum of 0.2 percentage points) ▲ subscription transfers or installment transfers (0.1 percentage points), among others.