Introduction
Interest-Caster, which was introduced in September
2012, is a forecast system of loan interest for SMEs that are planning
to get loans from financial institutions.
This new system made it possible for SMEs to
acquire information about most optimal loan interest rate among the
banks thereby gaining stronger bargaining power in the loan contract.
Input Data of SMEs
To access to the information of optimal interest rate for loans, SMEs should visit KODIT’s website and input data as follow:
| Factors | Input Data |
|---|---|
| Financial Factors (Optional Factor) |
Total assets, Capital, Sales, Net profit |
| Non-Financial Factors (Essential Factor) |
Types of business, Date of establishment, Number of employees, Experience of CEO |
| Loan Factors | Expected amount of the loan |
Expected Interest Rate
SMEs can access to the information of expected
interest rate of credit guarantee loans, non-guaranteed loans and loans
of 「Online Loan Market」
| Interest Rate | Details |
|---|---|
| Interest Rate of Credit Loans | Expected interest rate in case of non-guaranteed credit loans |
| Interest Rate of Guaranteed Loans | Expected interest rate in case of guaranteed loans |
| Interest Rate of Online Loan Market | Expected interest rate in ‘Online Loan Market’ |
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