Woori We'll Rich Joogerae Professional Loan

Woori We’ll Rich Main Transaction Office Worker Loan
1% Cash Back of Interest Amount
Credit loan for office workers who have designated Woori Bank as the main transaction bank
Loan Type
Credit loan, general office worker loan, professional/affiliate company loan
Eligibility
Office workers with an earned income of KRW 30m million and with a working tenure of no less than 1 year
Loan Period
One-time Full Re-Payment at Maturity: 1 year
Loan Limit
Up to KRW 150 million
Woori We’ll Rich Main Transaction Office Worker Loan
Overview
Credit loan for office workers who have designated Woori Bank as the main transaction bank
Characteristics
Office workers who have designated Woori Bank as the main transaction bank can take out a credit loan of up to KRW 150 million.
Eligibility
  • Office workers with an earned income of KRW 30 million and a working tenure of no less than 1 year, or
  • Office workers with an earned income of KRW 20 million and a working tenure of no less than 3 months who meet the main transaction requirements
    ※ Excluding those with 7~10 grades under the external CB (credit information agency) or those with 500% or more debt ratio in comparison with annual income
  • Main Transaction Requirements: Meet all the following categories
    • ① Payroll deposit with Woori Bank
    • ② Automatic transfer of telecommunications fee, public utilities fees, etc. for no less than 3 times or that of apartment management fee with Woori Bank
    • ③ Woori Card (Credit) ownership
Loan Limit Amount
Up to KRW 150 million, to the extent of 120% of annual income (discriminative application per CB grade)
Loan Period
  • One-time Full Re-Payment at Maturity, Limit (Minus Bank Note) Loan: 1 year, renewable up to 5 years
  • Installment Re-Payment Loan: Equal installment repayment of principal up to 5 years
Basic Interest Rate
  • Basis Interest Rate: 3-month KORIBOR
  • Additional Interest Rate: Discriminative application per credit ranking (2.4%p ~ 4.5%p)
    ※ Additional 0.5%p per annum per loan for the limit loan type
Preferential Interest Rate
  • Preferential Interest Rate: Up to 0.7p per annum
    ※Preferential rate of up to 0.7%p is offered, depending on the transaction eligibility, such as payroll transfer or public utilities fee transfer.
Repayment Method
One-time full re-payment at maturity, banknote repayment (limit loan), installment repayment
Related Documents
Employment certificate, earned income certificate, identification and other necessary documents
Customer Fees
Stamp Tax: 50% burdened by the bank and the customer each, discriminative application per loan amount (waived for the loan for no more than KRW 40 million)
Benefits
1% cash back of interest amount
  • When all of the following conditions are met, 1.0% cash back of the interest amount paid for 1 year since the account opening shall be credited to the customer’s account every year.
    • ① When the loan is utilized without any default for 1 year; and
    • ② When the main transaction requirements are met as of the 1st anniversary of the account opening
Early Repayment Fee
  • Re-Payment After 3 Years After the Account Opening: Waived
  • Re-Payment Within 3 Years After the Account Opening: Repaid amount x 0.5% x (remaining period up to the maturity/ loan period)
    ※ However, early repayment fee is waived when the loan is repaid within 1 month prior to the loan maturity.
Product Name Change
“Woori Joogerae Professionals Loan” has been re-named to “Woori We’ll Rich Joogerae Professionals Loan”

Foreign Exchange Rate

2018/11/20 17:58:50
통화 환율 정보
Currency Buy Sell
USD 1,146.72 1,107.28
JPY 1,020.75 985.65
EUR 1,313.77 1,263.01

Woori Call Center

  • 1599-2288 (Dedicated Foreigner Call Center) -> 1(English), 2(Chinese), 3(Japanese), 4(Vietnamese), 5(Mongolian), 6(Tai), 7(Indonesian), 8(Cambodian), 9(Uzbek), 0(Tagalog)
  • 1588-5000, 1599-5000 (Domestic)
  • 82-2-2006-5000 (International)
  • Business hours : 09:00 ~ 18:00, Mon-Fri