비상금 대출 중복In other words, interest on the loan amount used is paid every month, and the principal is often repaid in a lump sum at maturity.
The emergency fund loan limit is different for each bank, but the loan limit is usually 3 million won, so many people who urgently need more money try to receive two or more emergency fund loans.
Is it possible to receive two emergency loans in duplicate? Let’s find out about this
loan
The key to receiving multiple or two emergency loans lies in the guarantee institution that provides the loan. When receiving a loan from various banks and savings banks, there is usually a detailed explanation of the loan product.
In this case, if the guarantee institution guaranteeing the loan is the same, it is difficult to duplicate emergency funds even if it is from a different bank. Looking at emergency fund loan products, many are guaranteed by Seoul Guarantee Insurance, but in cases where the guarantee institution is the same, it is difficult to overlap emergency fund loans.
Therefore, if you want to receive multiple emergency loans, it is best to receive 2 emergency funds in duplicate by combining 1 loan that requires Seoul Guarantee Insurance and 1 loan that does not require it.
After searching for an emergency fund loan on the website of the financial institution from which you want to receive a loan, check whether the condition of ‘customers eligible for Seoul Guarantee Insurance insurance policy issuance’ is specified in the target customers and application qualifications as shown in the photo below.
Seoul Guarantee Insurance Emergency Loan
For example, the combination of Woori Bank emergency fund loan and Kakao Bank emergency loan can overlap emergency fund loans.
Emergency loans guaranteed by Seoul Guarantee Insurance are as follows. Therefore, you should be careful as there is a high possibility that you will not be able to receive the emergency fund loan below in duplicate or in two and it will be rejected.
If you try to receive a duplicate emergency fund loan from the bank mentioned above, you will see a phrase such as ‘Customers using Seoul Guarantee Insurance’s emergency fund loan cannot apply’ when applying for an emergency fund loan.
Emergency loans from first-tier banks have a limit of 3 million won, while emergency loans from second-tier savings banks have a loan limit of 5 million won. You should get them in the order of first-tier loans > second-tier loans.
This is because using a secondary financial emergency loan is likely to have a negative impact on your credit score and credit rating.
As mentioned earlier, an emergency fund loan is a representative small loan that is good to use when you really need money. Therefore, it can be useful if used well.
In the past, people often used credit card loans (cash advances and card loans) when they needed to get a small loan, but credit card loans are much more damaging to credit scores than emergency fund loans. Therefore, it is much better to use an emergency loan
When receiving a loan, whether using an emergency fund loan or various credit loans, it is your credit score and credit rating that directly affects the loan interest rate.
Although credit ratings have been abolished for a long time, there are still financial institutions that often refer to credit ratings as well.
So, you should try to improve your credit score by getting into the habit of raising your credit score on a regular basis. This is because the loan interest rates for people with high credit are lower than those with low to medium credit.
We have carefully summarized credit score management methods and common misconceptions on our blog, so please read the articles below carefully.
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