무직자 대출 쉬운곳C.S.Lewis
1. Use only low-interest products from financial institutions
In these difficult times, it is really frustrating.
It is a time when not only employment but also healthy businesses are collapsing, so it is regrettable in many ways.
The reality is that the unemployed or the unemployed have to make a living right away.
However, in this situation where new employment is decreasing and unemployment is increasing due to the spread of COVID-19, support measures for ordinary citizens are insufficient, which is truly regrettable.
Many people are unable to overcome their difficult financial difficulties and are resorting to high-interest private loans, and the damage caused by this is also very significant.
However, even if you do not have a job or income, you do not have to use high-interest private loans right away.
Since many people do not know this, I will organize it today.
This is because the government has opened the door for ordinary citizens without jobs or income to receive low-interest loans from financial institutions.
When financial companies lend money to customers, they consider two things.
(1) Is the customer running a job or business that can repay the debt steadily?
(2) Does the customer have assets?
(1) is the most important requirement. Credit loans are loans that are made based on the customer’s income and trustworthiness.
If you don’t have a job or a career, or if you don’t have a steady income, you may not be able to get the money you borrow from the bank.
Of course, even if you don’t have a job or income, if you have a lot of assets, you can trust them and lend them money.
In this case, the bank executes a secured loan by saying, “Leave your assets to me!”
In the end, the basic position of a financial company is, “We will only lend to those who can repay.”
If you have movable or real assets such as cars or heavy equipment, it is better to choose option 2. The interest rate is low, and the limit can be set to a certain level higher than the value of the assets.
However, there is hope for those without assets.
However, if you are prevented from borrowing money because you are unemployed, normal social life will be impossible.
So the government has made it possible to borrow money without proof of employment or income up to a certain amount.
(Of course, if you have a history of loan delinquency, bad credit, or financial crimes, it may not be possible.)
Even if your credit score is at the 7th level, or between 350 and 400 points, it is possible.
Even at a first-tier bank.
If your credit score is a little bad, there is a Telescore product that you can use based on your past mobile phone bill payments.
So, just because you don’t have a job doesn’t mean you should take out a high-interest loan right away.
You should look into first-tier bank loans that are safe and have low interest rates while maintaining your credit rating.
You shouldn’t get into trouble because you don’t know.
I’ve summarized small loans for the unemployed that you can get from first-tier banks in the article below.
Please check them out and use them at first-tier banks so that you don’t fall victim to financial crimes!
In 2023, along with the US interest rate hike, the Bank of Korea’s base rate hike has also begun in earnest. Accordingly, even if the credit score exceeds 950, the minimum interest rate has skyrocketed to 6-7%. This phenomenon will continue until at least mid-2024
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