비상금 대출 거절Developer who smells money
From 2021 to 2022, emergency fund loans were close to perfect as loans for the unemployed. It was easy to apply, so it was convenient for young students who are not familiar with loans, and the screening took less than 5 minutes and the results were easy. However, recently, it seems like emergency loans are also being regulated.
Recently, an item asking for a credit card has appeared in emergency loans such as Kakao Bank Toss. Due to the nature of being unemployed, it is unlikely that one would hold a credit card. Previously, this information was not needed. Even around 2021, it was possible to easily use two emergency loans for the unemployed. However, recently, even if you only receive one loan, all subsequent emergency loans are rejected. In other words, the number of loans that an unemployed person can receive has now decreased further.
Now, emergency fund loans from first-tier financial institutions such as Nonghyup All One, Woori WON emergency fund loan, and Shinhan Bank Sol emergency fund loan have become a pie in the sky. Literally, it is a loan that can be easily obtained once by a person with a normal credit rating, and if there is actually a little bit of expected loan or anything that makes the credit rating ineligible, it will be unconditionally rejected. If you are rejected for an emergency fund loan from a specific financial company, you can say that 90% of emergency fund loans from other financial companies are also rejected.
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What loans are left for the unemployed? If even emergency funds disappear, loans for the unemployed from Sunshine Loan Youth or loan companies (even these are mostly loans for housewives) or mortgage loans will be the only loans that the unemployed can receive. If you go beyond that, you will need to take out a personal loan, which is a transaction between individuals. In other words, if an unemployed person takes out a loan, he or she can get a loan with a high interest rate of 20% even if the expected loan is less than 10 million won.
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The emergency fund loan was previously a loan that allowed deposits to be made even on weekends, but after recently checking with a few places, the name of the emergency fund loan that can be used 24 hours a day has become meaningless, and it has become a half-loan that can only be applied for and deposits made on business days. In conclusion, if you have received a Sunshine Loan Youth, Youth Sunshine Loan, etc. while unemployed, and even received an emergency loan from a first-tier financial institution, it is better not to proceed with any further loans. If you are in a situation where you must receive the loan unconditionally, and a 20% high interest rate is okay, and you can repay it unconditionally, go to a private company. I hope you find it.
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