I made this to use for a little while when I was doing public offerings.
These days, there are no public offering stocks, so it is rare to use a negative bank account.
I wish there were some great public offerings soon.
Recently, I received a notification from Toss that the loan limit has been raised. 토스뱅크 사장님 마이너스통장
Previously, the limit of negative bankbook was 40 million won, but I tried to use it when a great public offering came out, so I checked the limit to see how much more I could borrow.
If the above pop-up appears, you can click Find Limit Now, or click the round arrow in Toss Bank Borrowing to view the latest limit. 이베이스매뉴얼
Because you have to do a credit check, if you agree to the required items and click OK, you can check your credit and see the latest limit.
The loan limit has been raised from July 1st, and now you can borrow an additional 15 million won.
But rattle
The interest rate is 7.51%.
I’m just kidding
As interest rates are getting higher and higher, it is becoming burdensome to use a negative bank account.
Don’t use it like crazy, let’s use it wisely and wisely!!!
The base interest rate, which has been lowered for a while as the Corona virus continues for a long time, is now slowly rising and is expected to rise further this year.
U.S. will also taper in 2022 (Tapering, gradually reducing the scale of quantitative easing policy as an exit strategy)
This year, the government’s policy will move in the direction to further reduce household loans.
It is frustrating to have to take out a loan in this situation, but
Still, it’s the beginning of the year, so you can save money in advance.
So, let’s quickly grab a credit loan that will be released for a while at the beginning of the year!!!
Toss Bank is the first online bank in the financial sector.
We started borrowing from 11 am on January 1st.
How to create a Toss Bank negative account
In the previous post, I will start with an account already created by creating a Toss Bank account.
[Toss Bank] Deposit with an interest rate of 2%, make a check card (what kind of deposit in the era of low interest rates?)
What kind of deposit is it in this day and age!! But I’m in my 30’s, so I can get a lot of land loan… I have to build a house next year…
When the Toss Bank subscription is completed
Connect to Toss Bank.
The accounts I have linked are open. ignore all
Go to ‘Toss Bank’ at the top.
Then, the Account/Collect/Borrow tab appears.
‘borrow’ for a loan
Tap the tab.
Interest rates and limits may change from January 3rd, so if you need a loan this year, like me, you can quickly create a negative bankbook by tomorrow.
I checked the loan limit on December 15th, so the contents are displayed. The loan limit and interest rate change at the time of borrowing.
Click the blue ‘borrow’ button
As of today’s date, the limits and interest rates will change again.
I went in today at 11:10 am
It crashed in the middle and took a long time.
I think it took about 30 minutes to an hour from the start of the screening.
I’ve been waiting for this screen for a long time.
Wait for it to pass. please wait
I did not register the joint certificate in advance, so I went to the link on the computer and registered the joint certificate as instructed in Toss. This operation also took quite a long time due to connection delays, etc. It takes about 30 minutes until my husband showers and comes out… but you just have to wait.
After the registration of the joint certificate is completed, the loan proceeds.
Choose whether to borrow with a credit loan or with a bank account in negative terms.
After borrowing the maximum amount in the negative bankbook in the morning, when I looked again, the credit limit was reduced and the interest rate almost doubled.
It is impossible to create a negative bankbook already in the morning, so I will show it as a credit loan.
I agree to the terms and conditions of the annual income loan.
The interest rate changes slightly depending on the loan amount.
After selecting the amount, select ‘Borrow’.
Before the final loan application, in the last step, the interest rate change cycle, loan period, and interest payment date are set.
The longer the cycle of interest rate fluctuations, the higher the interest rate.
In the case of 3 months, it is changed from 8.48 to 1 year, and it is changed to 8.75%.
in my personal opinion
Since the base interest rate is expected to rise at least two more times next year, it would be better to set the interest rate change cycle to one year as long as possible.
Back to the negative account again ^^;
When the loan is complete, go to check it with a congratulatory picture like this~~~ Click to confirm and you’re done!!!
For reference, my credit rating is 1-2 grades (959 points based on nice). Negative bankbooks come in the mid 4% range ㅠ
Even that, the interest rate is lower than that of other banks in the first financial sector.
My husband’s credit rating is in the 3rd grade.
When her husband also opened a toss-minus-minus account
It’s about 6%.
My husband has another credit loan, so the limit is lower than mine.
Loan limit and interest rate change in real time according to personal credit rating / income / base rate at the time of inquiry and government policy.
In this article, we will review the negative Toss Bank account opening review as well as the annual income conditions and interest rate with a cap of 35 million won. After COVID-19, many people have invested in negative bank loans and have benefited from quantitative easing. However, at one time, the opening of a negative bank account itself was blocked and only credit loans remained, and many people were disappointed.
Kakao Bank still blocked the opening of negative accounts, but Toss Bank seems to have resumed opening. Today, I accidentally turned on the Toss app and posted an article about the app, but I saw that a new stall was created and decided to open it myself. If you are thinking of opening additional stalls for Toss Bank’s negative passbook, we recommend that you check your annual income or the conditions under the article to see if it is possible to open it yourself.
Toss Bank resumed loan business on January 1 of this year. The loan business was suspended in 2021 due to loan regulations by the financial authorities, but new loans were resumed from the 1st. Toss Bank’s credit loan interest rate is as low as 4% per annum, with a minimum of 1 million won and a maximum of 270 million won, and a negative account limit of 150 million won, which is considered better than other banks. In addition, the current passbook provides an interest rate of 2%, which can be managed as a deposit, up to KRW 100 million.
In addition to the above services, a limit of KRW 3 million is provided for emergency loans. This product is provided when basic application qualifications are given without special issuance conditions, even for unemployed persons. If your credit score rises due to approval, turnover, or faithful repayment, you may be instructed to exercise your right to request a rate cut. Toss Bank also expects to expand loans to low- and mid-credit users. At the time of the launch of Toss Bank’s negative account, it submitted a plan to the authorities to increase the proportion of credit loans for medium- and low-credit borrowers to 42% by the end of 2022. Therefore, it is expected that we will be able to provide broad and reasonable services by discovering low- and medium-credit users.
Toss Bank negative bankbook Toss Bank has two types of credit loan and negative bankbook. Personally, I need a large amount of money, such as a subscription for public offering, but I recommend using a post that pays only interest when the principal is used for a relatively safe investment. If you run the Toss Bank borrowing tab input app to which the negative passbook is issued, the “Toss Bank Account” item appears on the screen. At the top, there are three categories: bankbook, collection, and borrowing.
First of all, it’s better to know the concept of a magic wand, right? Opening a Toss Minus Account In short, a negative bankbook can be viewed as a bankbook that can be borrowed from time to time. Therefore, it is a loan system that allows you to use the deposit/withdrawal account of the financial institution where the transaction takes place at any time up to the contracted limit. If you do not use the Toss Bank negative account, no interest is accrued, and negative account interest is accrued by calculating the amount used.
In order to subscribe to the product, you must make an agreement with a financial institution. Some banks have a guarantor, but you can open a bank without a guarantor for less than 5 million won. The deposit and withdrawal account used after the contract has a negative function, so its use is expanded, and the limit and interest rate of a negative account is determined by credit score and transaction performance. Entering annual income and financial status for negative passbook issuance Since opening a portal is also a type of loan, it is necessary to accurately input annual income, repayment method, and expected expenditure. The items to be entered are as follows.
This is my annual income.
Loan repayment method
Requires output retention state.
loan purpose
If you enter the information below, Toss Bank will go through the process of verifying that your credit score and financial position registered on the computer are written in accordance with the actual situation.
How can you improve your credit score and reduce your loan interest in 3 minutes?
1. Issuance conditions.
Please note that students, housewives, and freelancers are excluded from negative issuance by default. Interest rates are expected to be high if there is a place that provides a toss minus passbook limit, but in many cases, the issuance is restricted in the 1st and 2nd financial institutions, so please do not use other places to receive it. In addition, if you are an office worker, you need a certain level of credit score, and a proof of employment, ID, withholding tax or certificate is required to verify income.
In addition, the conditions for issuing a negative bankbook are met only if you are 20 years of age or older, have 4 major insurances, have been employed for 6 months or more, have an annual salary of 20 million won or more, and are in the 6th grade based on the previous grade. The unemployed or job seekers who cannot bring their employment certificate are excluded, and the self-employed can receive examination after issuing documents that meet the conditions and proof of income to a financial institution and submitting them for more than one year.
The above is a basic issuance condition that is usually restricted by financial institutions, and we look at the subjects excluding account issuance from Toss Bank.
Set after checking limit and annual interest