Many people know about credit rating or credit score, but there are some people who do not know about communication rating. Telecommunication ratings also have a similar meaning to credit ratings, so these days, there is a trend that more and more financial institutions use telecommunication ratings as a criterion for loan screening. Let’s find out how to look up telecommunication ratings and banks that can loan telecommunication ratings.
Hide Table of Contents
1 What is telecommunication service provider’s communication class? 통신등급조회
2.1 KT Telecom Rating Inquiry Method
2.2 SKT communication rating inquiry method
2.3 LG Telecom Rating Inquiry Method
3 Places where you can borrow with telecommunication grade 좋은뉴스
3.1 Nonghyup Allwon emergency fund loan
3.2 Woori Bank emergency fund loan
3.3 Finck Living Expense Loan
What is the carrier’s communication rating?
Before knowing how to look up communication ratings, I will briefly explain what communication ratings are. Telecom ratings are used for the same meaning and purpose as credit ratings or credit scores. In order to receive a loan from the financial sector, a loan review is conducted, and the credit score is evaluated based on work, income, and property. However, telecommunications ratings are determined by telecommunications companies such as KT, SK, and LG based on mobile phone bill payment records or SNS usage records, and this is called telecommunications rating.
The reason why telecommunication ratings are needed is that those who have repayment ability but have difficulty proving income, such as unemployed and freelancers, can easily review loans.
Find out about the 3 conditions for issuing a credit card
Communication class inquiry method
In the case of telecommunication ratings, each telecommunications company uses its own data. Therefore, there may be differences between telecommunications companies and names may also differ.
In particular, you should pay attention to the communication rating because the rating may come out low if there is a case of unpaid mobile phone bill or micropayment.
KT communication rating inquiry method
In order to inquire the KT communication rating, until recently, it was possible to inquire through self-certification on the site called KT Financial Benefits, but the service was last stopped on September 30, 2022. Therefore, to check the KT communication rating so far, You can check by calling the center.
SKT communication rating inquiry method
You can check the SKT communication rating through the PINK application. PINK is a financial platform, and you can check the T score (communication rating) through membership registration after self-authentication.
Download the PINK app
Sign Up
At the bottom of the app… menu selection
credit tab
After selecting the T score, you can check the SKT communication rating.
For reference, only SKT members can search, so you must register as a member before proceeding.
LG communication rating inquiry method
LG U+ does not provide a service that allows you to query the communication level separately. Therefore, it is impossible to directly check the LG communication level and there are only two ways to check it indirectly.
The first method is to check if communication fees such as mobile phone bills or micropayments have been overdue, and to check how long the subscription period has been. In the case of telecommunication rating, the longer the subscription period of the telecommunication company, the higher the telecommunication rating is maintained. do.
The second is to issue an insurance policy of Seoul Guarantee Insurance. Since the insurance policy of Seoul Guarantee Insurance can be issued if there is no problem with overdue or period of use, if there is a problem, the insurance policy will not be issued.
Where you can borrow by telecommunication grade
Finally, let’s find out what kind of loans you can get with the telecom grade. Most banks still use credit scores for loan screening, but more and more banks are lending using telecom ratings.
The advantage of the communication grade is that it is possible to quickly review loans without proof of income or occupation, so college students and housewives as well as unemployed people without jobs can borrow.
We recommend 4 places where you can get a loan for the unemployed
Nonghyup AllOne Emergency Loan
Nonghyup All-One Emergency Loan
Nonghyup All-One Emergency Loan is the most representative loan product using telecommunication grade. Since the loan barrier is not high, it is possible to borrow sufficiently if the telecommunication rating of the three telecommunication companies is good, and the interest rate is also lower than other financial institutions. In addition, since it is a loan in the form of a negative bankbook, you can use it as much as you want, and there is an advantage that there is no prepayment fee.
Loan interest rate: 2.98%
Loan period: 3 years without grace period
Loan limit: up to 3 million won
Loan conditions: Customers using 3 telecommunications companies
Woori Bank Emergency Loan
Go to Woori Bank Emergency Loan
If it falls between CB 1-6 based on communication level, it can be used without difficulty. With a loan limit of up to 3 million won, the interest rate is 5.08% to 12% fixed rate. Since it is an emergency fund loan, it is operated as a negative bankbook and you can pay interest every month as much as you use it.
Loan interest rate: The annual maximum interest rate is 12%, and the fixed rate
Loan period: 1 year extension possible
Loan limit: up to KRW 3 million
Loan conditions: Customers using telecommunications companies
Finck Living Expenses Loan
Go to Pink App Loan for Living Expenses
Finck Living Expense Loan is a loan product provided in partnership with SKT and Hana Bank. You can easily get a loan from the Finck app, with a maximum limit of 5 million won, and a loan period of up to 5 years.
Qualifications: Koreans over the age of 20
Loan limit: up to 5 million won
Loan interest rate: from 3.917%
Loan period: up to 5 years
Repayment method: Choose one of payment at maturity or installment payment with equal principal amount
Today, we looked at how to look up telecommunication ratings and loans using telecommunication ratings. Loans using telecommunication ratings do not prove work, income, or property, but simply review telecommunication ratings, so housewives, office workers, and unemployed people have the advantage of being able to borrow without difficulty if they do not have a cell phone bill overdue. It is very important to not overdue payments and manage them