Current status of fixed-rate mortgages

(1)Notice of Change in Loan Interest Rate
(2)I’d like to express my deep gratitude to the members of the association who do business
(3)The U.S. Federal Reserve’s tight monetary policy to normalize the economy and curb inflation is in full swing, and the impact on the global stock market continues due to rising raw material prices due to rising inflation
(4)The financial crisis is affecting the world This continues to shock 514
(5)Bank of Korea’s benchmark interest rate since August last year
(6)The interest rate on regular deposits at commercial banks has been raised to Agif325, a credit rating of 50 to 3 yearsStarting from 075, I’m going to raise my face
(7)Interest rates are 558 shares of a commercial bank
(8)The financial environment is rapidly changing, with mortgage rates approaching 80s
(9)As a result, we would like to inform you that the interest rate has been changed as below for the loans you use at a fixed rate, so please keep this in mind
(10)Annual 4501 Interest rate fluctuation Annual 250
(11)Applicable from interest
(12)2 When applied 202307226-175504
(13)Relevant grounds
(14)① Article 3 of the Basic Terms and Conditions of Credit Transactions of Credit Cooperatives, and Paragraph 3 of the delayed compensation
(15)② Reasons for interest rate change in Article 6 of the Loan Product Manual
(16)※ In addition, for union members who cannot accept the above, the interest rate on February 2023 is the date of arrival
(17)We would like to inform you that there is no prepayment fee even if you repay the loan before the change

(1)< Information on calculating changed interest rates and paying interest>
(2)1 Modified interest repayment date calculation method
(3)○ Case 100 million won loan interest repayment date normal interest on the 6th of every month 25 changed interest rate 45
(4)○ Flow chart
(5)$230406 Next Term Interest Receipt
(6)Interest Start Date Normal Interest Receipt Rate 25 Change Interest Receipt Rate 45
(7)Interest Rate 4545 Applied Rate 25
(8)① Interest Calculation 202301060206 Days 31 Days
(9)KRW 1-442328 = KRW 345205
(10)1000000 won x 25 x 31 days. 365 days
(11)② Interest Calculation 202302070306 Days 28 Days
(12)366 days 30
(13)→ 1000000 won × 45 × 28 days 이자 Interest calculation 202303070406 days 31 days
(14)365 Days = 382 191
(15)→ 1000000 won x 45 x 31 days

(1)Basic terms and conditions for credit transactions >
(2)Delayed compensation 이자 Interest discount guarantee fee, etc. are said to be girls belowThe association can be determined within the limits permitted by laws and regulations, and the debtor can check the product description and website beforehand
(3)Calculation method
(4)the conclusion of a contract
(5)② At the time of a correct transaction contract, such as interest, the debtor may select and apply one of the following:
(6)1 The principle is that a union cannot change its rate until the performance of the debt is completed. 2 The union can change its rate from time to time until the performance of the debt is completed
(7)③ In the case of selecting paragraph (2) 1, if an unexpected significant change in circumstances occurs at the time of the contract due to rapid changes in the national economic and financial circumstances before the completion of the debt performance, the union shall notify the debtor individually
(8)So we can raise and lower the rate In such cases, when the change factor is resolved, the union must change to suit the situation
(9)④ In the case of selecting paragraph 2(2), the increase or decrease of the combination on the interest rate, etc. shall be made within reasonable scope in accordance with sound financial practices
(10)⑤ If the debtor delays the performance of the debt to the association, the association shall pay the delayed compensation equivalent to the number of days calculated by the association 365 days per year and 366 days per leap year, but it may be changed to the extent permitted by the law due to changes in financial circumstances
(11)⑥ Even if the union changes the calculation method and payment method of interest and delayed compensation, the change will be applied from the date of payment due to changes in circumstances affecting the financial situation and other credit transactions
(12)to the extent permitted by this Act
(13)For the first time after the change, if it is 000,
(14)In the case of a change pursuant to paragraph (4) (5) and (6), the association shall electronic sales prescribed by all offices and associations for one month from the date of the change

(1)Fixed interest rates, but significant changes in circumstances raise interest rates
(2)No problem with the terms and conditions
(3)It’s cheap even if I put up 2