애플론 무직자 대출Check your interest rate before borrowing
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Even if you use a small loan, 3 to 5 million won is not a small amount of money. As it is a considerable amount of money, it is very fortunate to have even 0.1% of the money taken out of your wallet by several thousand won. Therefore, it is important to be aware of requesting the right to lower interest rates.
The right to request an interest rate reduction is a legally defined consumer right. If your credit rating improves or your income increases, you have the right to request a lower interest rate because your financial situation is better than before.
Credit ratings have the same indicators as society’s report cards. If your score is high, you can get a loan at a low interest rate due to your high rating, but if not, you will have to take out a loan at a relatively high interest rate. From a bank’s perspective, it will not be easy to take risks and lend money at low interest rates to people without coverage.
What you need to do to manage your credit rating is to pay utility bills, maintenance fees, mobile phone bills, credit card bills, etc. without late payments. Additionally, it is best to refrain from using cash advances or card loans. Instead, it is better to manage your credit rating by using small products and paying them off well.
You probably know that you can get a discount on the interest rate through your main bank, and there is also a way to lower the interest rate by combining family performance. If family members transact at the same bank, it is a good idea to combine them.
If you combine family performance, you can receive a lot of preferential treatment from the bank because one family member can fill in a short period of time what would otherwise take several years.
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