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Kakao Bank announced on the 29th that it will extend the period of repayment of mortgage loans for another six months.

According to Kakao Bank's policy, the pre-payment cancellation fee for Kakao Bank mortgage loans applied by the end of December will be completely exempted. A prepayment cancellation fee is an expense incurred if a customer repays a loan before the loan repayment date arrives.

Kakao Bank has been the only financial sector to waive fees on all prepayments since launching mortgage loans in 2022. From its launch in 2017 to the first quarter of this year, Kakao Bank exempted a total of 214.6 billion won worth of prepayment cancellations.

In addition, it has returned accumulated 1.31 trillion won worth of financial benefits to customers since its launch in 2017 through exemption from ATM fees, active guidance on interest rate cuts, and check card cashback benefits.

Kakao Bank is the only bank that has exempted ATM fees from convenience stores and banks nationwide since its launch. Customers can use ATMs for free without conditions or restrictions on the number of times, and Kakao Bank has reduced customer finance costs by 456.2 billion won by the first quarter of this year.

According to the Korea Federation of Banks' disclosure, Kakao Bank ranked first in the financial sector in terms of the number of applications and acceptance of interest rate cuts in the household loan sector in the second half of last year. Kakao Bank is actively guiding applications to customers who are likely to cut interest rates to help lead to actual interest rate cuts.

Kakao Bank introduced a non-face-to-face interest rate cut request service in 2019 that allows users to apply for applications, submit documents, and check results within the app for the first quarter of this year, which totaled 57.1 billion won in interest expenses saved by customers since its launch.

Kakao Bank also provides cashback benefits for "Friends Check Cards" regardless of annual fees and usage performance. It offers basic 0.2% cashback at domestic and international merchants without previous month's performance and payment limits, and basic 0.4% cashback on weekends and holidays. If the previous month's performance is more than 300,000 won, additional cash back will be paid for each industry such as delivery, shopping, and gas. Since the launch of Kakao Bank, cumulative cashback benefits of 586.2 billion won have been given to customers until the first quarter of this year.