Foreigner Support
for foreign customers
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Easy and attractive financial offer for
foreigners living in Korea
who would like to buy Hyundai/Kia brand주한 외국인 고객을 위한 현대캐피탈 자동차금융
Easy-Drive 프로그램 -
With an Alien Registration Card,
loan applications are approved based
solely on credit(just like Korean customers)외국인 등록증만 있으면, 외국인 고객도
내국인 고객처럼 신용만으로 대출승인 가능
Overall Information(이용 안내)
I. Auto Installment 구매 프로그램(신차할부)
Best way to buy a Hyundai/Kia new car based on my financial plan
내 자금사정에 맞춰 새 차를 구매하는 방법
Product 상품
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Standard product detail view
Standard 표준형Monthly equal payment
for customer with a constant level of monthly salary매월 똑같은 금액을 나눠내는 방식으로 수입이 일정한 고객에게 추천합니다.
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잔가보장형 상품정보 자세히 보기
RV guaranteed 잔가보장형Residual value guaranteed loan
for customer who wants a short trade cycle of vehicle중고차 값 미리 빼고 나머지만 나눠내는 방식으로 차량 교체주기가 짧은 고객에게 추천합니다.
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거치형 상품정보 자세히 보기
Deferment 거치형Deferred loan
Interest-only during first 12 months for customer who wants to avoid huge upfront costs초기 1년간 이자만 내고 이후 원금을 자유롭게 나눠내는 방식으로 초기 목돈 지출이 부담스러운 고객에게 추천합니다.
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유예형 상품정보 자세히 보기
Balloon 유예형Balloon loan
Pay ballon at maturity, Pay principal and interest before maturity except the balloon amount for customer who wants lower monthly payment원금 일부를 유예하고 나머지 원금을 나눠내는 방식으로 월 납입금이 부담스러운 고객에게 추천합니다.
Eligible Model 적용차종
All Hyundai/Kia passenger and RV models (except commercial vehicles)
현대/기아자동차 승용/RV 전차종(상용차량 제외)
II. Long-term Rent-a-Car 장기렌터카
Drive a new car experiencing the benefit of a long-term Rent-a-Car
Less purchasing upfront cost, Easier driving & maintenance of vehicle
새 차 구매 부담은 줄이고, 차량 유지 관리는 더 쉽게
-
- Reduced upfront cost
- Acquisition tax, automobile taxes,
government bonds, etc.
- 초기비용 부담 절감
- 취득세, 자동차세, 공채비용
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- Easy maintenance
- Car registration, payment for
fines/penalties taken care of
by Hyundai Capital
- 간편한 유지·관리
- 차량 등록부터 범칙금,
과태료 납부까지 대행
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- LPG vehicles
- Save fuel/operating costs
(in terms of Total Cost of Ownership)
- LPG 차량 이용
- 주유비 절약 가능
Product 상품
Hyundai Capital Long-term Rental - Financial Rental
현대캐피탈 장기렌터카 - 할부형
Hyundai Capital Long-term Rental - Operational Rental
현대캐피탈 장기렌터카 - 운용형
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Vehicle Owner 차량 소유자Hyundai Capital(하/허/호 on plate)
현대캐피탈 (하, 허, 호 번호판 사용) -
Eligible Model 이용 가능 차종All Hyundai/Kia passenger models (LPG/Up to 15-passenger)
국산차 중 승용차 15인승 이하 -
Car Insurance Rate 자동차 보험료율Hyundai Capital rate
현대캐피탈 요율 -
Expense 비용처리Total amount of costs to be claimed as expense
전액 비용 처리(승용차의 경우 업무사용분에 한하며, 일부 상품은 감가상각 처리) -
Fines/Penalties 범칙금 및 과태료Hyundai Capital pays for fines/penalties, then requests customer for pay-back
현대캐피탈이 대행 납부 후 청구
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Usage Term 이용기간12, 24, 36, 48, 54 months (optional)
12, 24, 36, 48, 54개월 중 택일 -
Mileage 주행거리Max. 50,000 Km/year
연 최고 5만km -
Option @ Maturity of Contract 계약만기 시 옵션
- Return/Purchase/Retain(extension)
- In case of LPG vehicle, only eligible customer is entitled to purchase the car.
Since 2017, cars over 5-year after registration can be purchased by customer
- 차량 반납/매입/이용기간 연장 중 택일
- LPG차량 이용 고객은 매입 자격 보유 고객에 한하여 매입 가능 (장애인, 국가유공자 등에 한해 매입 자격이 주어지며, 2017년부터 등록 후 5년경과 차량은 일반인도 매입 가능)
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Handling Fee 취급 수수료None
없음
Procedures & Required Documents(이용 절차 및 필요 서류 안내)
Procedures 이용절차
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Visiting
Hyundai/Kia branch현대·기아자동차 지점 방문
Please visit a Hyundai/Kia
branch nearby your place.가까운 현대·기아자동차 지점에 방문해 주세요.
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Consulting
Hyundai Car Master(CM) or Kia Sales Representative for car purchase차량 구입 상담
Please consult a Hyundai CM/Kia sales rep. for car purchase.
현대자동차 카마스터/기아자동차 영업직사원이 차량 구입 상담을 도와 드립니다.
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Inquiry for Credit line/
Underwriting대출 상담/심사
Hyundai Capital will inform you of your credit line and a preliminary approval decision.
현대캐피탈에서 대출한도 및 1차 승인여부를 안내해 드립니다.
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Document Preparation
서류 준비
Please prepare all necessary documents.
필요 서류를 준비해 주세요.
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Contract Signing/
Document Submission차량 계약/서류 접수
Please sign the contract for car purchase and submit your documents.
대출한도 및 1차 승인여부를 안내해 드립니다.
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Document Verification/
Phone Verification서류 심사/해피콜
Hyundai Capital will review the documents and record a call with you for phone verification to give a final approval.
현대캐피탈에서 최종 승인을 위해 서류 심사 및 유선 녹취를 진행합니다.
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Funding/
Car Delivery to Customer대출 확정/차량 인도
- Hyundai Capital will inform you of your deal funded.
- Your car will be delivered to wherever and whenever you want.(In case of Rental)
- 현대캐피탈에서 최종 승인을 안내해 드립니다.
- 차량은 고객이 원하시는 시간/장소로 탁송해 드립니다. (장기렌터카)
Required Documents 필요 서류
- 1. Certificate of Domestic Residence Report
국내거소사실증명서
- 2. Alien Registration Card
외국인등록증
- 3. Korean Driver's License(or Intn'l Driver's License)
국내운전면허증(또는 국제운전면허증)
- 4. Employment/Annual Income Verification Document(if needed)
재직/소득 증빙서류(필요 시)
- * As long as your demestic residence can be confirmed and your history of credit has no issue, you are eligible for Auto approval, which takes only in a few minutes.
In this case, only Alien Registration Card are required. - * 거주가 확실하고, 신용거래 이력에 문제 없는 경우, 자동승인 심사 가능. 이 경우 외국인등록증만 필요
[Information on Hyundai Capital's New Car Installment Product]
APR : 4~6.5%,
Prepayment penalty : 0~2%,
Repayment type : equated monthly payment(EMI),
Delinquency interest rate : agreed interest rate+up to 3% (statutory maximum interest rate 20%)
- - APR varies depending on the product or the length of the loan.
- - The early termination fee varies depending on how much of your term you completed at the time of termination.
- - Cost of releasing a lien on vehicle is fully borne by the customer, and stamp tax is shared 50/50 between Hyundai Capital and the customer.
- - Terms & conditions of loan vary depending on the collateral and its type, and lending may be restricted if the collateral or credit rating are ineligible.
- - Pursuant to Article 19.1 of the Financial Consumer Protection Act, a financial consumer has the right to receive explanation about a product or service; and should conduct the transaction after fully listening and understanding the explanation.
- - Please make sure to read the Product Guide and the Terms & Conditions carefully before entering into a contract.
[Information on Hyundai Capital's Long-Term Rent-A-Car Product]
Early termination fee : Remaining payments on rentalXfee rate(individually agreed),
Stipulated loss value for early takeover : Remaining principalX(1+stipulated loss rate 0~5%),
Takeover fee : takeover amountX1%,
Excess mileage charge : excess mile(Km) X overage fee(80~150 won depending on vehicle type) per Km,
Late return fee : daily rental charge X number of days past due X 200%,
Purchase fee : 8% of vehicle price,
Delinquency interest rate : 20%
- - The early termination fee and the stipulated loss value for early takeover vary depending on the type of your product and how much of your term you completed at the time of termination.
- - To transfer the title of the car into your name at the end of term, you should pay the acquisition tax.