전업주부 신용대출 가능한 곳In this way, there are many social movements to recognize the legitimate value of housework by full-time housewives. However, regardless of these movements, the reality is that housewives are still not given preferential treatment in the loan market. No matter how much the value of housework is evaluated, there is no actual income that housewives earn on a regular basis, and therefore there is no collateral that can be trusted and approved for a loan.
As a result, many housewives are frustrated by the strict housewives’ loan conditions at commercial banks and naturally turn to secondary financial institutions or loan companies. Regarding this, a financial industry expert advised, “It is very regrettable that housewives who need urgent money have few options at commercial banks. Therefore, housewives need to broaden their horizons and look at various loan products rather than focusing on the keywords ‘housewife’ or ‘woman.’”
If your credit rating is not low credit but within the 6th grade, it is helpful to first look into small loan products at commercial banks. There are smartphone-only financial products that allow you to get a small loan without submitting documents such as proof of income by using the smartphone applications of each bank. You can also quickly check whether you are eligible for a loan, and if you have a lot of transaction history such as card use at your main bank, it can help with the loan conditions.
In addition, if you have used a credit card in your name for more than 12 months, it is assumed as income, so even full-time housewives can get a credit loan. However, since it is only assumed as income and is different from direct proof of income, the loan limit is lower than that of general credit loans.
If it is difficult to use a commercial bank, you can use a loan product for housewives from a savings bank or capital. Experts advise that housewives should first settle their loans within the secondary financial sector, as they have no clear income and thus have difficulty repaying loans. The interest rates for housewives’ loans from secondary financial institutions are inevitably higher than those of commercial banks. However, to offset these disadvantages, convenience is sought in loan procedures and approval speeds, and if you have real estate or cars in your name (including your spouse’s name), you can receive preferential treatment in loan limits and interest rates. Also, since it is only used to confirm that you have assets, there is no establishment or infringement of rights. However, you need to know in advance that it is difficult to be recognized if you live in a villa, townhouse, or general house on a jeonse or monthly rent.
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