케이뱅크 비상금대출2021. 12. 12. 13:04
Today, we will talk about K-Bank emergency loan interest rates, conditions, etc.
What about K Bank emergency loan?
●If you are a Korean over 19 years of age, the maximum limit is 3 million won and the minimum annual interest rate is 3.94%.
A special feature is that we are also running an interest cashback event until December 31, 2021. If you are a KCB customer with a credit score of 820 or lower, we are giving you cashback on the interest on your new loan.
In fact, even if you proceed at 3.94% per year, you can receive a refund twice, so it is the same as proceeding at 3.283%.
If you want to check KCB score
●Access to the All Credit site.
You must go to the AllCredit site, sign up as a member, click ‘My Credit Score’ and use the product. You can sign up simply by simply verifying your mobile phone and credit card.
The All Credit site also has a free credit inquiry function for all citizens, so you can check for free three times a year regardless of whether you are a non-member or a member.
It is important to check to know the exact score. The price for 72-hour inquiry is 18,000 won. If the score changes significantly on a yearly basis, you can apply for a 1-year pass for 25,800 won and check.
K Bank Emergency Loan Conditions
-The target is-
●You must meet all of the criteria below.
You must be a customer who can issue a Seoul Guarantee Insurance policy and be a Korean citizen over the age of 19. There are no income requirements, so it benefits a much wider audience.
Reasons for not being able to take out a loan include applications for exemption from discharge, bankruptcy, or rehabilitation, or information on confirmed customers, bankruptcy, or delinquency. If you are eligible, you can apply for a loan in just one minute without any documents, so you can get a loan more conveniently.
K Bank Emergency Loan Conditions
-Special product details-
●Lump sum repayment at maturity, loan period is 1 year
This product can be rented for one year, and the period can be extended in one-year increments. There is no stamp duty, early cancellation fee, or customer cost.
K Bank emergency loan interest rate
●Interest rate: 3.94~8.8% per year
The base interest rate is 3.94-8.80% per annum, with a 12-month applicable interest rate of 1.74% and an additional interest rate of 2.2-7.06%.
The maximum interest rate for late payment is 15% per annum, and the additional interest rate is 3%. Additionally, since you have the right to request a reduction in interest rates, you can apply for this at least once as it does not cost money or take up a lot of time.
If you consider borrowing 3 million won and applying the emergency fund loan interest rate of 3.94%, the daily interest cost is about 323 won. It is 9,690 won per month and 118,200 won per year.
What about other K BANK products?
●Includes credit, mortgage, apartment mortgage, lease, etc.
① Personal credit has a maximum of 150 million won and a minimum annual interest rate of 3.61%. When using the Plus product, you can add up to 100 million won even if you have expected savings, and the interest rate is 3.65% per annum.
②Matong is for office workers earning up to 100 million won and the rate is 3.9% per year.
③Minimum 5.27% per annum for business owners
④Minimum 2.32% per annum for leasehold loans, 2.79% per annum for apartment mortgages
⑤ Deposits of up to 50 million won can be collateralized without cancellation.
What about third-party emergency loans?
-Kabin-
●Kabank’s maximum is 3 million won, 4.05% per year.
Kabank is a small minus, mobile emergency loan that follows the above conditions, but has a higher interest rate than K BANK. In fact, it is quite high, with a minimum of 4.05% per annum and a maximum of 14.627%. Even for medium credit users, the maximum is 11.635%, so it boasts a higher level than K BANK.
You can conveniently verify your identity with your mobile phone, but this is also done after checking your credit score.
Woori Bank emergency fund
●Up to 3 million won, interest rate 5.08% per year
The interest rates are getting higher as you go to 1st finance. The government is taking measures to increase interest rates, and first-tier financial institutions are also limiting lending as much as possible through risk management.
When it comes to general credit loans rather than emergency funds, the limits and interest rates are very strict.
If you are a small business owner, you may be wondering where to get financing. Especially if you are a small business owner with low credit, today…
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