키위뱅크 신용대출Check your interest rate before a loan
Kiwi Bank, launched by KB Savings Bank, is a mobile bank launched with the goal of increasing and supporting customers’ assets.
Minimum 8.9% per annum ~ Maximum 19.4% per annum
Calculation criteria: Base rate + additional rate
Even if you use a small loan, 3 million to 5 million won is not a small amount of money. Since it is a considerable amount of money, even 0.1% is a few tens of thousands of won out of your wallet. That is why you must know about requesting a lower interest rate.
The right to request a lower interest rate is a legally stipulated consumer right, and if your credit rating improves or your income increases, you can request a lower interest rate because your financial situation has improved.
Your credit rating is like a social report card. If your score is high, you can get a loan at a low interest rate, but if not, you will have to use a loan at a relatively high interest rate. From the bank’s perspective, it would not be easy to lend money at low interest rates to those who are not guaranteed.
In order to manage your credit rating, you should pay utility bills, management fees, mobile phone bills, and card fees without delay. It is also better to refrain from using cash services or card loans. Instead, it is better to use small products and pay them off regularly to manage your credit rating.
You may know that you can get a discount on interest rates through your main bank, and there is also a way to lower interest rates through family performance combination. If your family members are transacting at the same bank, it is a good idea to combine them.
If you combine your family performance, you can receive many preferential treatment from the bank because you can fill in the performance that one family member would have to fill in several years in a short period of time.
※ Applications and loan payments available 365 days a year (excluding 23:20 ~ 24:10)
