카카오뱅크 직장인 신용대출Check your loan limit now and get the first month’s interest support
■ Period: 2021.09.10 ~ 10.09
■ Benefit: After paying the first month’s principal or interest, the first month’s interest will be paid to your Kakao Bank account in your name on 2021.11.30 (Tue) (no separate application required)
1) If you are an office worker with low to medium credit, the maximum loan limit is up to 100 million won
■ Target: Among customers with a KCB credit score of 820 or lower, customers who have executed ‘Medium Credit Loan’, ‘Saetdol Loan’, or ‘Medium Credit Plus Loan’ through Kakao Bank [Credit Loan] (excluding Haetsal Loan 15)
■ Application method: Execute a loan through the [Credit Loan] menu in the Kakao Bank app
2) Housewives, college students, and self-employed individuals can also borrow up to 3 million won
■ Target: Among customers with a KCB credit score of 820 or lower, Kakao Bank Customers who have executed ‘Medium Credit Emergency Loan’ through [Emergency Loan]
■ How to apply: Execute loan through the [Emergency Loan] menu in the Kakao Bank app
* Please note
– KCB credit score can be checked through the credit information service in Kakao Bank.
– You can check the name of the loan product you signed up for at the ‘Loan Agreement Writing’ stage, and after the loan execution is complete, you can check it in [My Account > Loan]
– The benefit is provided only to customers who newly execute ‘Medium Credit Loan’, ‘Saetdol Loan’, ‘Medium Credit Plus Loan’, and ‘Medium Credit Emergency Loan’ during the event period and pay the loan interest for the first month and maintain it normally until 2021.11.30 (Tue), and the benefit is applied to all loans even if they are executed multiple times by loan product.
– The benefit is provided as an amount corresponding to the first month’s loan interest.
– The first month’s interest cashback will be paid to the ‘Medium Credit Loan’, ‘Sidetdol Loan’, ‘Medium Credit Plus Loan’, and ‘Medium Credit Emergency Loan’ interest payment accounts.
– If the ‘Medium Credit Loan’, ‘Sidetdol Loan’, ‘Medium Credit Plus Loan’, and ‘Medium Credit Emergency Loan’ interest payment accounts are suspended accounts, etc., and cashback cannot be provided, the benefit will be automatically canceled.
– Depending on the customer’s credit status, it may be difficult to proceed with the loan due to internal screening criteria.
– The interest rate calculation standard is [base rate + additional rate – preferential rate], and the interest imposition period can be paid monthly by specifying the desired transfer date when executing the loan.
– Depending on the applicant, the application products are divided into medium-credit loans (wage earners who meet the credit rating requirements, loan interest rates of 3.158% to 9.800% per annum, as of August 9, 2021), side loan (wage earners who can subscribe to Seoul Guarantee Insurance’s guarantee, loan interest rates of 4.061% to 9.800% per annum, as of August 9, 2021), medium-credit plus loans (wage earners who meet the credit rating requirements, loan interest rates of 4.169% to 13.385% per annum, as of August 9, 2021), and medium-credit emergency loans (medium-credit customers who meet the credit rating requirements, loan interest rates of 4.413% to 11.094% per annum, as of August 9, 2021). – If there is an unpaid amount based on the monthly interest payment date, a delinquent interest rate of 3% per annum + the loan interest rate will be applied. The maximum delinquent interest rate is 15% per annum, and if the loan interest rate is 15% or higher, a loan interest rate of 2% + 2% will be applied. If you are delinquent, you may be subject to disadvantages such as being registered as a credit information management target. In addition, if you are delinquent on the principal and interest, you may be required to repay the entire principal and interest before maturity.
– Customers applying for ‘Medium Credit Loan’, ‘Saetdol Loan’, and ‘Medium Credit Plus Loan’ can choose to repay the principal and interest in equal installments.
– If you apply for a loan exceeding 50 million won, a stamp duty of 70,000 won will be applied, of which the customer will be responsible for 50%.
– Medium Credit Emergency Loan is a minus account loan product with a lump sum repayment method on the maturity date.
– No early repayment fee is charged.
– When applying for a loan, your credit information inquiry history will be provided to a credit information company, and depending on your credit status, it may affect the loan screening of other financial institutions.
– If the amount of loan used is excessive compared to your repayment ability, your personal credit score may decrease, and if your personal credit score decreases, you may experience disadvantages related to financial transactions.
– Please be sure to read the financial product description and terms and conditions before entering into a contract for a financial product.
– General financial consumers have the right to receive an explanation of the relevant financial product from the bank. If you have any inquiries, please contact us through [Kakao Bank App > All > Customer Center].
– This event may be changed or canceled without prior notice depending on our circumstances.
– For inquiries related to the event, please contact the Kakao Bank Customer Center at 1599-3333.
Compliance Supervisor Shim Ui-pil 21-407 (2021.09.10~2021.10.09)
