단기연체 대출 가능한 곳Especially, even if it is a short-term delinquency, its impact cannot be ignored, and it is a big obstacle to using loans.
Just like a shadow holding you back, a delinquent record raises the threshold for financial transactions and causes frustration.
But don’t lose hope! There are definitely places where short-term delinquents can get loans.
As a nationally certified credit counselor, I will provide you with detailed information on places where short-term delinquents can get loans and ways to resolve delinquency so that you can overcome your financial difficulties and prepare a foundation for a new start.
Places where short-term delinquents can get loans: A key that will open closed doors
It is difficult to get a general bank or credit loan, but you can secure the necessary funds through institutional financial institutions and some local government loan companies.
1. Institutional financial institutions: Small-sum living expenses loan
Emergency support open to everyone: This is a system for those who are having difficulties due to a sudden lack of living expenses.
• Loan target: Annual income of 35 million won or less, credit rating in the bottom 20% or less (including unemployed and delinquent borrowers)
• Loan limit: Up to 1 million won (minimum 500,000 won for first use)
• Loan interest rate: 15.9% per annum (single interest rate)
• Repayment method: Lump sum repayment with 1-year maturity (no early repayment fee)
• Advantages: Easy application process, available to anyone
2. Some local government loan companies: Same-day OK Loan, Good Loan, Solid Loan
• Same-day OK Loan: Provides quick and easy loan services to various customer groups (office workers, unemployed, low-credit borrowers, business owners, housewives, etc.) in need of urgent funds
• Good Loan: Provides high approval rates and reliable loan services, and provides customized products to customers who have difficulty getting loans, such as those with excessive existing loans or low credit
• Solid Loan: Boasts fast deposits and high approval rates within 24 hours, and requires proof of income Providing fast and reliable loan services to a wide range of customers
Loan delinquency, its criteria and solutions
• Short-term delinquency: If you are delinquent on an amount of 300,000 won or more for 30 days or more but less than 90 days
• Long-term delinquency: If you are delinquent on an amount of 1 million won or more for 90 days or more
Delinquency records remain on your credit information for a certain period of time even after repayment, which can restrict financial transactions. Therefore, it is important to resolve delinquency quickly when it occurs.
How can we resolve short-term delinquency?
Short-term delinquency is an obstacle to credit recovery, but it can be overcome if you actively deal with it.
• Rapid debt adjustment: If the delinquency period is 30 days or less, you can apply, and you can receive benefits such as a reduction in delinquent interest and an extension of the repayment period.
• Pre-debt adjustment (pre-workout): If you are delinquent on an amount of 31 days or more but less than 89 days, you can apply, and you can receive benefits such as a reduced interest rate and installment repayment.
• Debt adjustment: If you have been delinquent for more than 3 months, you can apply and receive benefits such as interest and delinquent interest reduction and principal reduction.
Conclusion
Short-term delinquency is the main culprit in lowering your credit score, but there is no need to despair.
If you secure the necessary funds through short-term delinquent loans and actively resolve delinquency issues by utilizing the debt adjustment system, you can overcome financial difficulties and move toward a bright future.
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