All four major banks lowered the limit on the negative account of Kookmin Bank to below 50 million won.
Kookmin Bank is the default, and Shinhan and Woori Cabin are all lowered. Only Nonghyup maintains a limit of 100 million won in one financial sector, and K-Bank allows up to 150 million won. 국민은행 마이너스통장
Due to the problem of interest rate hike, the 1 billion dollar Matong account may disappear in the future.
Today, we will look at the subject of issuance of negative passbook by Kookmin Bank, interest, limit, etc.
What about the past KB Kookmin Bank? 이베이스매뉴얼
●Maximum 100 million won, interest rate 2.36 to 4.74%, employees who have been in service for more than 1 year (credit grades 1 to 4)
Until recently, KB managed the Minus account as I wanted. Currently on sale.
The period was limited to a maximum of 100 million won per year. At that time, the subject of Mattong was employees with a credit rating of 1 to 4 who had been in service for more than one year.
You can earn up to 150% of your annual income and up to 4,500 if your annual salary is 30 million won. At the time of implementation, interest rates ranged from as low as 2.36% to 4.74%.
What is the current negative account of Kookmin Bank?
Available up to a limit of 5,000 (100 million for existing customers)
As the maton products introduced above are discontinued, KB employees can use a credit loan at Kookmin Bank to proceed with the maton.
Kookmin Bank’s Martong can have a maximum limit of 50 million won (100 million won for existing customers). In addition, the credit loan limit is limited to within the annual income.
Subject to issuance of negative passbook
Public officials such as general office workers and teachers for more than 6 months are irrelevant
In general, it is applicable to general office workers for more than 6 months, and full-time public officials, military personnel, and teachers can use the service regardless of their tenure.
However, due to the recent restrictions on the amount of Martong as per the criteria for issuance of Matthew, additional requirements such as employee + credit score evaluation who have been in service for more than one year may arise.
What is the limit you can receive?
Up to 50 million won (existing customers 100 million won)
In the photo above, it is the matong that is written as an automatic general bankbook loan. It can be up to 500,000 won.
Separately, the maximum amount of general credit loan products is KRW 300 million, and the maximum amount for those who are new to society within one year of service is less than KRW 5,000.
Loan term and repayment method
The lump-sum repayment is made within one year, and the term can be extended for up to 10 years.
In the case of the automatic general passbook product, you can choose from two options.
① General method limit transaction
② Contract limit increase/decrease method
What documents are required for application?
You can do this if you have your ID card, employment confirmation document, and income confirmation document.
negative account interest
●Based on a one-year basis 3.16 to 4.16% excluding the preferential interest rate
If you are subject to the issuance of a negative bankbook and borrow it, it is usually 12 months of one-year financial bonds. The lowest interest rates are 3.16 to 4.16%.
If you choose the above-mentioned contract limit increase/decrease method (automatic passbook at your own discretion), a preferential interest rate of 0.1%p is applied. This can be applied to customers with grades 1 to 3 in terms of credit rating.
In addition, a preferential rate of 0.4%p for the limit exhaustion rate is applied for one month from the new loan date. Even if you received the lowest 3.16%, there is a high probability that it is actually lower.
Also, if the interest rate is too high, you can apply for an interest rate cut request right. Lastly, if the incidental cost is less than 50 million won, the stamp duty amount is not taxable.
Early redemption fee
In conclusion, there is nothing. For general products, it should be calculated by dividing the prepayment amount * commission rate * remaining days / contract period.
Negative bank account interest overdue
Up to 15% per annum. As you can see by using a regular matong, if there is no money in the account at the end of the month, it will naturally fall out.
How to apply for a product
Available online and offline
①You can do this through a branch or the Smart Consulting Department. For the Smart Consultation Department, call 1588-9999, press 0, and then press 2.
②Online channels include Internet Banking and KB Smart Banking.
If you want to increase or decrease the contract limit for the product you have applied for, you can do it offline at the branch. Online banking is available through Internet Banking and Star Banking.
If you want to compare products
In fact, even if you are not a Matong, if you are curious about signing up for a general credit product, you can also check the favorable conditions on the KB Smart Loan site.
We recommend you based on your annual income, credit score, and conditions.
Cabin Matong account?
Limit 30 million won, minimum interest rate 3.36%
Currently, the maximum limit for Cabin has been lowered to 30 million won. The lowest interest rate is 3.36% per annum.
The unique feature of Cabin is that it is not used in the 1st financial sector, so the score does not drop due to a new contract.
Kakao Bank Minus Passbook Issuance Target
I am a salaried employee with a good credit score.
① You must be 19 years of age or older and have no records of rehabilitation, delinquency, or financial fraud.
② Annualized income of 35 million won or more according to the National Health Insurance payment confirmation letter
③ Workers who have been employed for more than one year
Today, I summarized the preferential interest rates for KB Kookmin Bank’s negative account extension documents.
I currently have 2 loans.
One is a group credit loan approved by the headquarters (minus passbook),
Another is KB’s employee-friendly credit loan.
Both are due to be extended due to the maturity date of the loan.
I visited the branch in person.
Loan service takes time
Because it is significant, the bank
Before you visit, be sure to
Please make a reservation or print out the waiting list in advance.
Contact person & conditional reduction inquiry
Because in my case, I am subject to window extension
I had to visit the branch.
At the time of extension last year, it was a conditional reduction.
As a result of being informed, I inquired if the limit reduction was possible.
In case of extended evaluation after bringing documents
Depending on the evaluation result, it cannot be extended or
Some reduction rates within 5% to 65%
say it could happen.
Required documents & loan repayment when applying for credit loan extension
If you continue to work in the same job as last year
Documents required when applying for a credit loan extension
* ID
* A copy of resident registration (including address change history)
* Certificate of employment (issued by the incumbent company)
* 2021 wage and salary income withholding tax receipt (issued by the incumbent)
All documents must show the resident number,
Issued within one month is required.
When a branch requests necessary documents
You also need to prepare more.
Loan repayment can be done in three ways:
1) Visit a branch (bring your ID)
2) Telephone counseling during business hours on bank business days
3) Non-face-to-face (Internet Banking/Star Banking)
KB Internet Banking Personal > Financial Products > Loans
> Loan management > Loan repayment > Partial repayment or complete
When the deadline is extended by one year
Early redemption fee up to 3 months from the maturity date
Please note that it is exempted!
Interest rate calculation result
apply for an extension to the bank
I saw a change in interest rates.
It really went up a lot????
KB’s strength increased from 2.71% to 4.86%.
It has risen over 2%.
In general, Mattong is more expensive than regular loans.
I know interest rates are high.
It’s a group-approved loan
It is set low due to the discount rate applied.
I am working for an affiliated company.
It is said to be applied when the contents of the agreement are satisfied.
Preferential interest rate application criteria
Credit card usage performance (up to 0.3% per annum)
Direct debit performance preferential interest rate (up to 0.1% per annum)
Preferential interest rate on salary transfer performance (up to 0.3% per annum)
Preferential deposit transaction (maximum 0.1% per annum)
Electronic financial transaction preferential treatment (up to 0.1% per annum)
You can get a preferential interest rate of 0.9% in total.
How far will the loan interest rates go?
I got it last year out of necessity.
I’ll have to think about repayment.