카카오뱅크 비상금대출 조건By Kim Yun-seok, reporter
2022.12.18 13:12:38
Kakao Bank Emergency Loan is a non-face-to-face mobile micro-loan operated by Kakao Bank, the No. 1 financial institution.
It is said that the average time from loan review to execution is 60 seconds, and loans of up to 3 million won are possible regardless of job or income.
The type of loan is not to pay interest on 3 million won in the way of a negative bankbook, but you only have to pay interest on the amount used.
Kakao Bank is a representative mobile bank, and loan screening and execution can also be done through mobile applications.
Loans can be applied for by any Korean who is 19 years of age or older and can issue insurance policies from Seoul Guarantee Insurance, regardless of occupation or income.
In addition, you can easily check whether or not you have a loan by simply verifying your identity without submitting documents.
Any Korean who is 19 years of age or older who can issue a Seoul Guarantee Insurance Co., Ltd. insurance policy, regardless of job or income, can apply even if he or she is unemployed.
In addition, there must be no record of credit rating judgment information such as overdue or bankruptcy information, and there must be no application for rehabilitation, bankruptcy, or indemnity.
In addition, you must have no history of holding overdue loans or causing losses, and you must be a customer with no record of financial fraud, so please check the eligibility requirements carefully.
Loans are available from a minimum of KRW 500,000 to a maximum of KRW 300,000. The important point is that the loan is a ‘minus account’ method.
If you received a loan of 3 million won, you do not have to pay interest on the 3 million won, you only have to pay interest on the amount used within the limit of 3 million won.
Loans are available for up to one year. However, if you apply for an extension before the loan expires, you can extend the loan by one year increments depending on the review.
Those who need an extension of the period can apply for an extension through the app. If the loan is canceled because the extension is not extended, please note that re-application is not possible for 10 days.
The loan interest rate is the base interest rate + additional interest rate – prime interest rate, and since the 1-year linked interest rate on financial debentures changes every year, the loan interest rate does not change during the loan period.
In addition, at maturity, the loan interest rate changes in conjunction with the base rate that has changed according to the arrival of the fluctuation cycle.
The additional interest rate is applied differently depending on the screening results for new and extended loans, and does not change during the loan period. The preferential interest rate is applied when you agree to provide financial transaction information.
Kakao Bank Emergency Loan can only be applied for through the app, and it is impossible to proceed without signing up, so please sign up for Kakao Bank first.
Application can be made anytime, 365 days a year, between 06:00 and 23:00, and a process such as identity verification is required. Please note that you can apply for an interest rate reduction request according to your credit status improvement after taking out a loan.
You can download and install the Kakao Bank app through the smartphone app store or the Kakao Bank website.
The post-authentication process could not be added because it was not possible to capture it due to the application security policy. Please note that you can easily apply for a loan by completing your identity verification as instructed in the app.
An emergency fund loan is a negative bankbook loan. Therefore, a limit will be granted so that you can use it at any time. Therefore, interest is not charged if you do not use it, and interest is automatically paid from your bank account on the monthly payment date by applying the contracted interest rate for the amount you used.
Depending on your current credit score and debt status, the impact on your individual credit score may vary, but Kakao Bank is the number one financial institution, so if you maintain transactions without overdue, it can help manage your credit score.
The yield on distribution of financial debentures is linked to the standard interest rate of 1-year bonds. The fluctuation cycle of the base interest rate is one year. During the loan period, the interest rate does not change, and at the time of maturity every year, the loan interest rate changes according to the base rate that has changed according to the fluctuation cycle.
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© 2023 Pi News | info@finance-news.co.kr | Title: Phi News | Registration No. Seoul A 54737 | Registration date: 2023-03-10 | Publisher : Kwangho Kim | Editor : Kwangho Kim | All contents (articles and photos) of Phi News are protected by copyright law, and unauthorized reproduction, copying, distribution, etc. are prohibited. Violation of this may result in legal sanctions.
