월세보증금 담보대출 가능한곳In addition to monthly rent, you can also get a loan using the jeonse deposit as collateral. These days, there are many reverse mortgages, so from now on, I will review the deposit-secured loans that can be used by all those who have signed a lease contract, regardless of whether it is a jeonse or monthly rent.
📣 Monthly rent deposit-secured loans are available in some secondary financial institutions, and mostly in tertiary financial institutions. I will introduce them from the secondary financial institutions and then in order of tertiary financial institutions.
Table of Contents
OSB Savings Bank handles a product called ‘Plus Home Loan’. This is a loan that can be used by individuals or self-employed individuals who have signed an apartment lease contract.
Individuals and self-employed individuals who have signed an apartment lease contract can use it, and the minimum amount is 5 million won and the maximum is 50 million won.
However, the interest rate is quite high. This is because it is a loan that can be used by people without a job or income.
You can apply on the OSB Savings Bank website. IBK Savings Bank provides loans of up to 150 million won using apartment deposits as collateral. Anyone with a personal credit score of 500 or higher and an income can use it.
Smart Savings Bank handles rental deposit collateral loan products for those who live in or plan to rent a rental apartment. (📣Seram Savings Bank also operates the same product)
Even though it is a savings bank loan, the interest rate is quite low.
So far, we have handled savings bank monthly rent deposit loan products. Now, we will introduce loan companies.
📣 Since there are so many loan companies, we will only introduce the 25 ‘excellent loan companies’ selected by the Financial Supervisory Service. All of the loan companies introduced below are excellent loan companies, so they are trustworthy.
UI Credit Loan operates loan products for those who have a jeonse or monthly rent contract in their own name.
Nexgen Finance Loan is also an excellent loan company. We provide loans using the monthly rent deposit as collateral.
However, the rental deposit must be at least 10 million won. The interest rate is a fixed rate of 20% per annum. (20% per annum is the highest legal interest rate in Korea. It is by no means low, so you should make a careful decision.)
As you can see, the interest rate is 20% per annum even though it is a secured loan. It is a bit harsh, but it is still worth using if you are short on funds.
If you use the monthly rent loan, you can use a loan within 20% per annum. The interest rate is determined based on the individual’s credit, so please inquire directly.
The loan period is determined within the housing lease contract, and can be extended up to 60 months.
Mirae Credit handles a monthly rent deposit collateral loan product for those who are living in a jeonse or monthly rent.
Up to 100 million won is possible within the deposit.
Advance Loan handles the same product as the Mirae Credit Loan introduced earlier. Leadcorp handles jeonse collateral loans. Up to 80% of the jeonse collateral can be loaned.
Million Cash Loan is a specialized loan company for women. Loan consultation is available through a professional female counselor.
We have looked into all the monthly rent collateral loans available in 2~3 financial institutions so far. In addition to the monthly rent collateral loan, we will recommend a list of other loan products that can be used, so please check them all out below.
👉Places where people with low credit scores can get loans
👉Reviews of government-supported loans for people with low credit scores
👉Places where people with bad credit scores can get loans
👉List of 25 excellent loan companies selected by the Financial Supervisory Service
Comment
Save my name, email, and website in this browser for the next time I comment.
