대환대출 온라인 플랫폼Platform companies such as Kakao Pay, Toss, Pinda, and Naver Pay, as well as some financial companies such as banks, have implemented online refinancing loan services since the 31st. The response from the first day of service was enthusiastic. The Financial Services Commission announced that about 47.4 billion won (1819 cases) of loans were transferred from 9:00 am to 4:00 pm on the 31st, when the online refinancing loan service was implemented.
Online refinancing loan is a service that allows customers to compare loan refinancing products through an online app and transfer them in 15 minutes. You can compare interest rates, preferential interest rates, prepayment fees, and maximum limits that can be saved by comparing existing loans with other products, and your credit rating will not be affected even if you inquire several times. In addition, if you select a transfer product, you will be directly connected to the financial company app through the platform app, and the existing loan will be automatically repaid through the loan transfer service.
However, among loans of less than KRW 1 billion, only credit loans and negative bankbooks without guarantees and collaterals can be transferred. In addition, service use is restricted for overdue loan foreclosure and transaction suspension loans.
To use it, select one of seven apps: Kakao Pay, Toss, Naver Pay, Pinda, Bank Salad, KB Kookmin Card, and Welcome Savings Bank, install it on your smartphone, and select the loan transfer (transfer loan) menu. To do this, you need to sign up for ‘My Data’ within the platform, which allows you to view financial information scattered across various financial institutions in one place.
After signing up, you can immediately check the interest rate of the existing loan and the amount to be repaid. Next, you need to select the refinancing loan product for each financial institution you want. If you accurately enter your income, workplace, and asset information, you can search for refinancing loan products that can be transferred, and you can sort and compare by desired conditions such as interest rate and limit.
Once the product selection is complete, you can inquire whether there is a fixed interest rate, repayment method, etc., and enter preferential conditions such as salary transfer and card performance to check whether the preferential interest rate is applied. In addition, you can check the prepayment fee that you have to pay on the existing loan, so you can carefully check whether the interest you can save by transferring is higher. When the final selection is completed, the loan contract is made by moving to the app of the financial company.
However, some point out the problems of the exchange loan platform. This is because most of the banks are showing a passive move to enter the store, fighting for attention.
Excluding Kakao Pay, Toss, Naver Pay, and Pinda cannot compare all products of the five major commercial banks (Kookmin, Hana, Woori, Shinhan, and Nonghyup). Kookmin Bank and Shinhan Bank only have Kakao Pay, Woori Bank has Kakao Pay and Naver Pay, and Nonghyup Bank has only Kakao Pay and Toss. Hana Bank is the only bank to enter Kakao Pay, Naver Pay, Toss, and Pinda.
The same is true for corporate positions. According to a bank official, “It is positive that customers can use reasonable services with a platform operated in the country together.” There are not a few points out that it can lead to quality,” he said.
