Shall we increase the negative account limit?
A negative bankbook is a good bankbook that you can freely find and use whenever you need it by setting a credit limit in advance.
Compared to other general loan products, there is no charge for early repayment, and in the case of general products, a new subscription is required to borrow again.
In addition, since interest only has to be paid on the amount marked negative, many office workers and self-employed people are using it. If so, how can I increase the limit on the negative account?
You can use additional products according to your credit rating and income proof that monthly income is coming into your account for any product. In order to increase the limit of the negative bankbook, proof of my income and credit rating are checked as with general loan products.
For example, the limit is set at 5 million won, and it was increased from 3 million won last year. However, there was a case where I applied for an increase of 8 million won because living expenses such as school expenses were a little insufficient, and it was approved.
Common documents for increasing the limit of negative bankbook 마이너스통장 한도 증액
1. Income withholding tax receipt
2. Certificate of employment 좋은뉴스
3. ID
In common with banks, the above three documents are required. One thing to note is that if my income rises even a little compared to when I made a negative account, the probability of getting approved increases.
In other words, if you prove with documents that your economic situation is slightly better than when the passbook was issued, the bank will approve the increase of the limit. It is defined that the economic situation has improved when a certain product has been redeemed, the salary has risen due to good salary negotiation results, or the income has risen because of two jobs.
How can I increase my negative account limit?
Bring the 3 documents described above and go directly to the issued passbook bank. When you visit a bank, a counselor will guide you separately. At first, you will check your credit rating through the computerized processing system and ask if there is any delinquency. If you regularly repay without arrears, you can get a good score and increase the limit.
Stamp tax is also required to increase the limit, but in the case of stamp tax, it is not paid if it is less than 40 million won.
In case of more than 4 million won
If you pay 40,000 won, 20,000 won is paid by the bank, so you only have to pay 20,000 won.
In most cases, if the credit rating is less than 6, the increase of the negative account limit proceeds smoothly. If you are curious about what your credit rating is, please refer to the link below. This is a site where you can check your credit rating for free.
Up to this point, we have looked at how to increase the limit of a negative bank account and the necessary documents. thank you