For consumer loan contracts

  1. The borrower agrees that, during the loan contract period and for five years from the date when the repayment was completed, any terms of this loan such as the amount of money borrowed, the date of borrowing, and the date of the last payment, will be filed at the Credit Information Center operated by bankers association. This may be utilized by members of the Credit Information Center and members of other credit information institutions tied up with the Credit Information Center for the purpose of assessment of their transactions.
  2. If events stated below take place, the borrower agrees that the events will be filed and utilized in the same manner as mentioned in the preceding paragraph for the indicated period.

    1. When he/she delays the payment and when the payment of the delayed amount has been completed, this will be filed and utilized for five years after the date of the delay.
    2. When the debt is paid to the bank by a third party such as affiliated guarantor or insurer etc., or compulsorily collected by the bank through offsetting or disposing of security, this will be filed and utilized for five years after the date of the event took place.