Toss Bank has been suspending new loan services in compliance with the government’s household debt stabilization policy since October 15, 2021. It is said that it will resume loan business from January 1, 2022.
As you know, Toss Bank is a non-face-to-face internet bank that operates 24 hours a day, 365 days a year. These days, it is a time when loans are blocked, so it is expected that users will flock to them, but they probably won’t be able to release loans indefinitely, right? 토스뱅크 마이너스통장
So, while looking at what kind of loan Toss Bank provides, I’m going to try to find out the Toss Bank minus passbook as well.
Toss Bank Resume Credit Loan Business 이베이스매뉴얼
Up to KRW 270 million, around 3% per year
In fact, since the launch of Toss Bank in October of last year, the loan limit of 500 billion won ran out and new loans were suspended two months after it resumed loans.
Today, from January 1, 2022, you can get a loan from Toss Bank at an interest rate of 3% per annum for up to 270 million won.
1 Financial sector Other commercial banks’ credit loan interest rate ?
Then, what will be the interest rates of other commercial banks in the first financial sector?
The lowest interest rates for general credit loans announced by other banks on the same day were 3.39% for Hana Bank, 3.64% for K Bank, and 3.70% for KB Kookmin Bank, which is slightly higher than Toss Bank.
Except for Woori Bank’s “Loan for our main business employees,” where the maximum interest rate is lowered from 3.40% to 2.80% by raising the loan preferential rate from January 2022, Toss Bank’s credit loan is said to be at the lowest level.
The maximum loan limit is also 270 million, which is said to be one of the highest in the first financial sector.
If we look at the limits based on general credit loan products, Woori Bank’s ‘Loan for Employee’s Main Transaction’ is 200 million won, Hana Bank’s ‘Hana 1Q Credit Loan’ is 150 million won, and K-Bank’s ‘Employee Credit Loan’ is 150 million won. It’s called a circle.
Toss Bank is 270 million won, so compared to Woori Bank, which is the next highest, there is a 70 million won difference!
However, there is a higher upper limit than Toss Bank. It is said that Kookmin Bank’s ‘KB Employee Reliable Credit Loan’ product is available up to 300 million won.
Toss Bank minus passbook
Up to 150 million won, 3.84% to 11.91% per year
In addition, the ‘Toss Bank negative passbook’ of up to 150 million won and the ‘Toss Bank emergency loan’ of up to 3 million won are also said to be resumed.
Toss Bank minus passbook / emergency fund loan subscription
In the case of Toss Bank’s minus bank account, <Salary earners with annual income of 10 million won or more as proof of working at the current job for 3 months or more> or <Business income earners with annual income of 10 million won or more as evidenced by business registration certificate for 12 months or more from the date of opening> You must be one of the two to sign up.
Also, in the case of Toss Bank emergency loan, it is said that <customers who can subscribe to Seoul Guarantee Insurance’s personal finance credit insurance without restrictions on employment or income>.
Toss Bank Loan Limit and Loan Period
Toss Bank’s negative passbook loan is available from a minimum of 1 million won to a maximum of 150 million won, and Toss Bank’s emergency fund loan is available from a minimum of 500,000 won to a maximum of 3 million won.
The minimum loan application amount is 500,000 won for an emergency loan and over 1 million won for a negative bankbook loan.
Both loans are for one year and can be extended for up to 10 years.
Toss Bank’s loan repayment method is a lump-sum repayment at maturity. During the loan period, interest is paid monthly on the loan amount and full repayment is made at maturity. So, I see a publicity for a loan that pays only interest without principal, and only pays interest on the amount used.
Toss Bank Loan Early Repayment Cancellation Fee and Eligibility Standard Confirmation Documents
The early repayment cancellation fee is free, oh,,,??
Qualification criteria confirmation documents are processed as a confirmation of health insurance qualification and payment of health insurance premiums for salaried earners, and business registration certificate, income amount certificate, and VAT tax base for business income earners.
Also, as mentioned above, since it is an internet-only bank that is available 24 hours a day, 365 days a year, the application time is 24 hours a day! However, please note that the period from 23:30 to 00:30 may be limited to system maintenance.
Toss Bank Loan Interest Rate Information
Also, since it is a loan that can be repaid with only a small amount of interest, the interest rate is not very cheap.
Toss Bank’s minus bankbook loan can be charged from 3.84% per annum to 11.91% per annum, and emergency loans are available from 3.88% per annum to a maximum of 15%.
The loan standard interest rate for negative bankbooks is variable and can be selected from 3 months, 6 months, and 12 months. As you know, the loan interest rate fluctuates in conjunction with the base rate on the day on which the change cycle for each base interest rate returns.
In the case of arrears, 3% per annum is added to the loan interest rate to generate delinquent interest.
These days, there are a lot of scary words about sub-loan regulations and interest rate hikes, such as 5-6% loan interest rates, so I was worried about whether I should have a negative loan account. Oh my
Even if there is something to be used, I have to write it down and pay it back.
Thank you to everyone who read today’s post, if this information was helpful
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thank you ^^