Kookmin Bank is using about 5.5 million won in a negative passbook… I was shocked when a message came saying that I would reduce this amount. It turns out that if 70% of the loan amount in the negative bankbook is not used, the reduction is automatically applied. It was said that a quick response was necessary because it was said that the negative limit was being reduced, which could not be increased further. I wanted to increase the limit even more, but I was patient… I am preparing bullets to hold even a few weeks when subscribing to public offerings or purchasing high-quality stocks in the short term… 국민은행 마이너스통장
This is a warning message about the execution of negative account automatic deduction.
Notice that 5.5 million won is currently being used, of which 600,000 won will be automatically reduced.
On that date, 600,000 won will be reduced – only 4,900,000 won can be used. 이베이스매뉴얼
It looks like this even if you pay interest and use money.
The recalculated interest rate is a whopping 5.7%, oops! This is why you should refrain from using it whenever possible. At a time when you need to save even a penny, even the loan interest rate is so high that it is difficult to use it. You cannot cancel it. This is because you cannot blow away the opportunity cost of earning even a chicken price rather than the money that sometimes pays for short-term interest.
Whether it is internet banking or smart banking, the procedure is the same for both and can be handled very simply.
After logging in through an official certificate, click ※Banking → Product Management/Cancellation
After that, you are using a negative bankbook. ※ Click Loan → Change/Cancel Loan Limit.
After that, right away click on Increase instead of Decrease or Cancel. It is the maximum amount that can be restored to its original state with the amount previously used. You can check the notice telling you to handle the loan limit increase/decrease carefully because it is impossible to cancel it.
After confirming the changeable amount of 600,000 won, enter 5,500,000 won in the limit amount.
After confirming the information, the limit for change is set to 5.5 million won in blue text.
The loan limit increase has been processed. Be sure to check the text.
Once again, click on the electronic confirmation for inspection and check the balance of the final change.
Increase immediately after confirming the automatic reduction of Kookmin Bank negative passbook
Kookmin Bank is easy to use for both internet banking and smart banking.
It is possible to process all business non-face-to-face without going to the bank, so it is difficult to use it as a main account.
It’s really convenient. Even if the customer shouts a little, I can see him trying to deal with it as much as possible in a friendly, non-face-to-face manner.
Last year, the loan regulation was severe, so it was reduced from 20 million won to 5.5 million won. I was not so embarrassed when I reduced this money again, but I was relieved because it was designed to be easy to increase to the amount I was using.
You have to go to the bank again for this. I got a little angry at that, so I’m glad I found a way to deal with it non-face-to-face. Due to the COVID-19 pandemic, non-face-to-face transactions are becoming more active. Now, it seems that the day when all banking-related business processes are handled non-face-to-face is not far away.
Aren’t K-Bank, Kakao Bank, and Toss Bank already providing non-face-to-face loans?
Instead of providing convenience, information security will be further strengthened, and the identity verification process should be stricter.
I am very curious as to what convenience will be provided if another Internet bank is established in the future.
Now, the trend is online banking services. Fintech technology seems to have no choice but to grow further.
So today, let’s take a closer look at fintech-related stocks.
It is difficult to make a living with stricter loan regulations.
Or if you are already using it for investment
I think there are many people around and neighbors who are having difficulties.
Finally, a review of the extension of kb Kookmin Bank’s negative passbook (limit loan).
While I’m leaving, I’ll say goodbye to negative account related posts now!
The expiration of the negative account is one month away. What should I do?
Sure enough, I saw it in another neighbor’s post haha
A mail will arrive at my house a month ago.
The mail was also kindly received. A month before the expiration date, the texts come several times.
Since I am a loan approved by the headquarters group, the application does not extend it.
Because I had to go to the store directly.
I use my lunch break to go to the loan counter!
I went to the loan window with everything ready.
I brought the required documents because I was informed in advance.
Certificate of employment, proof of income (withholding tax), a copy of resident registration, etc.
I was very nervous that the limit would be reduced.
I don’t know when it will change, but first of all, what is the salary limit you are most curious about?
It seems to be carried out only for ‘new loans’.
(It may vary from bank to bank)
Instead, the interest rate is slightly higher when extending.
In particular, I was using a KB minus bankbook, which is about 1% more expensive than Shinhan Bank.
It rose from 3.11% to 3.6%.
Thank you for not reducing the limit though.
The staff also gave me tips on how to maintain the limit.
According to KB Kookmin Bank,
Based on the average usage rate 3 months before expiration, the unused amount
I was told that the limit would be reduced.
This content is for me or those who use Matong
Because it can be recognized as unfavorable (?) content and spread
If you really need it, please leave a comment and I’ll let you know.
In addition, I did not receive the preferential interest rate.
After consulting, I came across a tip on salary transfer.
Unlike other banks, kb Kookmin Bank has a preferential rate of 0.3% for salary transfer.
I was not covered because
The pay transfer date was set right away.
So if the payday is set as the 25th,
On the 25th, 500,000 won or more must have been transferred in items such as “salary”
The fact that it is recognized!
When credit card usage is added
A preferential interest rate of about 0.9% is possible.
Alas, there was a secret of KB Kookmin Bank’s preferential salary transfer!
Preferential Condition Details
Assuming risk management with my credit as collateral
We hope that you will be able to protect your precious rights.
“Is it a true story that it is impossible to get a mid-payment loan?”… Anti-compulsory waiver of subscription successively [Maeburi Letter]
I’ll have to check to see if this really made it impossible.
It’s bittersweet. The reason I was able to get it at a lower price than the selling price
what is it Are you short on cash and difficult to get a loan?
People wonder and feel sad if they can’t afford their own house.
.
If you look at the qualifications to apply, you must have served for at least one year and have a credit rating of 1 to 4 can apply. You can apply for up to 150% of your annual salary. If you are using a product from another bank, the limit will be reduced that much.
It can be used for a period of one year and can be extended up to a maximum of 10 years. In addition to the current product, there are limits for each product, so it would be good to refer to the product link above.
KB Kookmin Bank negative passbook documents are simple. As a document received in most financial institutions, you will need a proof of employment and a withholding tax receipt that can prove your income.
In addition, there may be documents required by the bank for each individual, so it would be better to prepare after consulting with them in detail.
The stamp tax amount is not taxable up to 50 million won, but if it is more than 50 million won, you will have to pay half of it with the bank due to differential application, so please use it with reference. There are people who sometimes mistake this stamp duty as a work cost, so I’m telling you.
The interest rate varies depending on your credit rating and income, and the lower 2% is considered the minimum interest rate. It is better to find out more precisely through the website or through consultation.
In order to receive the preferential interest rate, you can receive preferential treatment through credit card performance, salary transfer, and savings account. And in order to use the lower interest rate you received initially, you can apply for a right to request a rate cut when your current credit or position is high.
If you become delinquent, the interest rate will rise up to 15% per annum, and your credit score will drop to the point where you can no longer create a negative account.
Until now, I took the time to learn about the documents for the negative bank account of Kookmin Bank, how to apply, and the types. Now, with interest rates in the financial sector rising, many people are frustrated.
In order to find out better interest rates and limits, please check the types carefully through the link above.