연체자 대출If you think about it simply, we are trying to lend money to someone, but we cannot lend our money to someone who usually does not repay the money.
Of course, delinquent borrowers must be in a state where they can sufficiently trust the financial institution that provides the loan.
However, not all delinquent borrowers are in the same situation. It can be categorized into cases where delinquent borrowers can get a loan and cases where it is not possible. Loan results may vary depending on whether short-term and long-term delinquency are identified first and whether the information is registered with the Credit Rating Agency.
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Please read the content first through many websites or blogs. Outdated information only adds to the confusion. It is important to be able to make the right decision with accurate and proper loan information rather than just offering a variety of products.
What is more important than where you can get a loan for delinquent borrowers is your delinquent status.
Records for 3 years after repayment
If you check the table above, even if the delinquent amount is less than 300,000 won and the number of delinquencies is more than 5 business days, there is no effect on your credit score, and the information sharing period with the records office only lasts for the delinquent period, so if you pay right away, the information will be erased.
In other words, if the amount is less than 100,000 won, you can immediately take out a credit loan or emergency loan. Additionally, you can receive a loan if you pay off the delinquent amount immediately, up to 1 time, for less than 300,000 won or less than 30 days.
If you are overdue on your telecommunication bill, the overdue information is not shared. This may vary slightly depending on the contract terms of each carrier.
However, you must be careful because if you are overdue on your device installment, not when you are overdue on your telecommunication bill, the overdue payment will be recorded in the Credit Rating Information Service.
From the moment delinquent information is recorded, financial transactions are restricted at all financial institutions.
Did you understand what I explained earlier? If there is a delinquency of less than 30 days, less than 300,000 won, or one case, a person who can get a loan by paying the arrears immediately is called a short-term delinquent person.
There is a wide range of credit loans that short-term delinquent borrowers can receive. As long as you have a high credit rating, you have a wide range of options to choose from.
From now on, we will recommend products based on loan information found through Naver Loan, Bank Salad, Financial Services Commission, Korea Federation of Savings Banks, and Korea Federation of Banks.
1st financial loan products that are available to short-term delinquent borrowers are products that can issue guarantee insurance policies or calculate telecommunication ratings. Therefore, depending on your personal credit score, it may vary by up to 3 million won.
If you need a larger amount, you should check out secondary financing or a loan business rather than primary financing.
If you are able to repay your arrears, you can receive a loan through various small loans for the unemployed other than the products identified above. If you would like to check out other products, please check the link below.
There are two types of products available in 2nd finance. Since this is for reference only and not a product recommendation or recommendation, you are responsible for any problems that arise during use.
Cider Bank is a smartphone mobile app developed by SBI Savings Bank. We launched an emergency fund loan as a mobile-only financial product.
We provide deposit, savings, and loan (credit) products. It has the advantage of being available regardless of location and time.
This is a loan product that you can receive if you have a credit card and have a history of using it. Limits are determined differently based on credit card performance.
We have created an FAQ based on the most frequently asked questions regarding loans to delinquent borrowers. If your questions are not resolved after checking the contents, please ask in the comments.
You can receive Sunshine Loan, Sunshine Loan 15. However, there is a condition that all arrears are paid in full. If it is a small amount, you can repay it right away, so if you need to repay it yourself and borrow a larger amount, you can use it after paying the delinquent amount.
