Financial Services

Loans

본문내용

Export-Related Loans	Export Promotion Loan	The Bank finances capital investments, R&D, and overseas marketing activities of companies seeking to begin or expand exports.
	Export Growth Loan	The Bank provides financing based on exporter's past export records.
	Export Project Loan	The Bank finances working capital needs to perform specific export contract.
	Export Facilitation Loan	The Bank provides financing to entities(including foreign buyers) that contribute to export transactions.
Import-Related Loans	Import Loan	The Bank finances import transactions which is important for the development of national economy
	Import Facilitation Loan	The Bank provides financing to entities(including foreign exporters) that contribute to import transactions.
Overseas Business-Related Loans	Overseas Investment Loan	The Bank provides financing necessary for Korean companies to invest foreign companies in the form of share capital and/or shareholder loan.
	Overseas Project Loan	The Bank provides financing to Korean companies operating projects abroad without establishing an overseas subsidiary.
	Overseas Business Loan	The Bank provides financing to foreign subsidiaries of Korean companies.
	Overseas Business Facilitation Loan	The Bank provides financing to entities that contribute to the overseas business activities of Korean companies.

Export-Related Loans

Export Promotion Loan

Terms & Conditions

Borrower	SMEs Large company investing in -creative industry (knowledge services, cultural contents, or healthcare) - green energy sector (renewable energy, carbon reduction, energy efficiency enhancement, or other green industry)
Purpose	Capital investment R&D Overseas marketing activities Other activities recognized as promoting exports
Coverage	Up to 90% of the funds required
Repayment Term	Capital investment and R&D: maximum 10 years Other purposes: maximum 3 years
Repayment Method	Periodic installments of at least once a year Bullet repayment is allowed for loans with repayment terms of 3 years or less

Export Growth Loan

Terms & Conditions

Borrower	SMEs Company that has a record of exporting intellectual property rights
Coverage	up to 60~100% of export record with limitation on - maximum coverage per company being initially KRW 35 billion (KRW 25 billion for SMEs), but may be raised to as much as KRW 60 billion (KRW 40 billion for SMEs) depending on export volume.
Repayment Term	Up to 3 years
Repayment Method	Bullet payment or installment payment

Export Project Loan

Terms & Conditions

Borrower	Korean Exporter
Coverage	Up to 90% of the
Repayment Term	Up to 30 days after the final payment date under the export contract
Repayment Method	Bullet payment or installment payment

Export Facilitation Loan

Terms & Conditions

Borrower	Entities(including foreign buyer) that contributes to the export transaction of a Korean exporter
Purpose	Payments by foreign governments or companies to import goods and services from Korean companies Capital Investment Working capital· Other business operations
Coverage	Up to 90% of the funds required· For import payments, within the limits set forth by the "OECD Arrangement on Officially Supported Export Credits"
Repayment Term	Maximum 30 years For import payments, a repayment term shall not exceed the limit prescribed under the "OECD Arrangement on Officially Supported Export Credits"
Repayment Method	Periodic installments of at least once a year(Lump-sum payment is possible for loans with repayment terms of 3 years or less) with - maximum grace period of 3 years (5 years for loans with repayment terms of 10 years or above) For import payments, method set forth by the "OECD Arrangement on Officially Supported Export Credits"

Import-Related Loans

Import Loan

Terms & Conditions

Borrower	Korean company that imports essential goods or natural resources which are important to the national economy.
Coverage	Up to 80%(90% for SMEs) of the import
Repayment Term	Capital goods : up to 10 years Other imports: up to 2 years
Repayment Method	Periodic installments of at least once a year. Grace period up to 3 years is allowed for capital goods.

Import Facilitation Loan

Terms & Conditions

Borrower	Korean company, foreign government or company that contributes to import transactions that are essential to the national economy
Purpose	Capital Investment Working capital Other business operations
Coverage	Up to 90% of the funds required
Repayment Term	Working capital: up to 3 years Others: up to 30 years
Repayment Method	Periodic installments of at least once a year with maximum grace period of 3 years (5 years for loans with repayment terms of 10 years or above)

Overseas Business-Related Loans

Overseas Investment Loan

Terms & Conditions

Borrower	Korean company investing abroad
Purpose	Overseas investment
Coverage	Up to 80%(90% for SMEs, 100% for natural resource development projects) of the funds required
Repayment Term	Up to 30 years
Repayment Method	Periodic installments of at least once a year with maximum grace period of 3 years (5 years for repayment terms of 7 years or above, 7 years for repayment terms of 10 years or above)

Overseas Project Loan

Terms & Conditions

Borrower	Korean company conducting business overseas
Purpose	Capital investment Working capital Other business operations
Coverage	Up to 80%(90% for SMEs, 100% for natural resource development projects) of the funds required
Repayment Term	Working capital: up to 3 years Others: up to 30 years
Repayment Method	Periodic installments of at least once a year with maximum grace period of 3 years (5 years for repayment terms of 7 years or above, 7 years for repayment terms of 10 years or above)

Overseas Business Loan

Terms & Conditions

Borrower	Korean company's overseas subsidiary
Purpose	Capital investment M&A Working capital Other business operations
Coverage	Up to 90%(100% for working capital and/or natural resource development projects) of the funds required
Repayment Term	Working capital: up to 3 years Others: Up to 30 years
Repayment Method	Periodic installments of at least once a year with maximum grace period of 3 years (5 years for repayment terms of 7 years or above, 7 years for repayment terms of 10 years or above)

Overseas Business Facilitation Loan

Terms & Conditions

Borrower	Korean company, foreign government or company foreigner that facilitates the overseas business or investment activities of Korean companies
Purpose	Capital investment Working capital· Other business operations
Coverage	Up to 90%(100% for Inter-bank credit) of the funds required
Repayment Term	UP to 30 years
Repayment Method	Periodic installments of at least once a year with maximum grace period of 3 years (5 years for repayment terms of 7 years or above, 7 years for repayment terms of 10 years or above)