Toss Bank will launch a credit loan product that can receive up to 270 million won from the 5th.
As major commercial banks are blocking or restricting major loan products, there is concern about the excessive ‘balloon effect’ that is drawn to Toss Bank loans.
According to the banking industry on the 4th, Toss Bank will sequentially open banking services such as sales of incoming and outgoing products and issuance of check cards for pre-applicants from the 5th. Last month, Toss Bank introduced a frequent deposit and withdrawal passbook that pays 2% annual interest unconditionally without any restrictions on the subscription period or deposit amount, and it is receiving a lot of attention. 토스뱅크 마이너스통장
As of the 2nd of last month, the number of customers who applied for banking service in advance exceeded 1 million.
The Toss Bank check card also offered up to 4,500 won cash back every month without any performance conditions from the previous month, and offered a condition of instant cash back of 3% of the amount used overseas. 이베이스매뉴얼
Main products of Toss Bank to open on the 5th
receiving passbook
Condition: 2% annual interest rate
Competitiveness: There is no need for conditions such as subscription period, deposit, etc.
credit loan
Conditions: Interest rate of 2.76-15% per annum, minimum limit of 1 million won – maximum of 270 million won
Competitiveness: Lower interest rates and higher limits than commercial banks
negative passbook
Conditions: Interest rate of 3.26% to 11.47% per annum, maximum limit of 150 million won
Competitiveness: 3 times the limit of commercial banks (50 million won)
An emergency fund loan in the form of a small negative bankbook
Conditions: You can borrow between 500,000 and 3 million won at an interest rate of 3.56 to 14.92% per annum.
Toss Bank is also not expected to be free from household loan regulations by the financial authorities.
Toss Bank has set its own limit of credit loan products at a maximum of 270 million won, but it is known that it will be limited to ‘within annual income’.
Toss your mood, read more
Toss Bank website
Toss Bank
Meet a whole new bank
On October 5, I created a bank in Toss, which was used as an app.
Because it is an internet bank, we will toss joy to you with unconventional benefits.
You can do banking business with one Toss account at 2% per annum without any conditions.
It is said that you can get a loan with just one inquiry without a difficult and complicated process.
Express your personality with a variety of colors instead of dull black cards.
Toss your mood on the other person.
Saying ‘I’ll pay today’
It is said that the moment you use it every day, 300 won is accumulated in your bank account one by one.
You can receive it once per day for each category.
If you get up to 46,500 won per month, you can get up to 558,000 won per year.
$600,000 a year is not a small amount of money.
I will have to pile it up step by step like Ticklemore Taesan.
It is said that you can receive the 300 won cashback benefit immediately every day without any performance conditions until January 2022.
This is a type of cashback that allows you to receive 300 won per day for each category.
You can get a refund of up to 46,500 months a month, so it would be good to use Toss Bank well.
This is Toss Bank product/service guide.
There are three fields: passbook, credit card, and loan.
This is a product guide.
There is the most basic Toss Bank passbook.
Toss Bank collection passbook.
Toss Bank sub passbook.
Toss Bank corporate passbook.
Toss Bank corporate term deposit.
There are 5 bankbook products.
This is a loan product guide.
Toss Bank Credit Loan.
Toss Bank negative account.
There is a Toss Bank emergency loan product.
This is a card product.
There is Toss Bank check card product.
Among them, let’s take a look at the Toss Bank minus passbook products.
Toss Bank Minus Passbook Product Information
There are common conditions and subscription conditions that apply to everyone.
This is a common condition for negative bankbook and emergency loan.
This product is only applicable to Koreans over the age of 19.
There must be no record of credit rating information such as delinquency or bankruptcy information.
There must be no evidence of sacrifice, bankruptcy, indemnification, etc.
There must be no history of holding overdue loans or incurring losses with our bank.
There must be no records of financial fraud and other financial transaction settlements.
This is a condition for signing up for a negative account.
You must have at least 3 months of service at your current job and have an annual income of 10 million won or more.
Business Registration Symptoms 12 months or more from the date of business opening, and proof of annual income of 10 million won or more.
This is an emergency loan application.
You must be able to subscribe to Seoul Guarantee Insurance’s personal finance and credit insurance without restrictions on employment and income.
We learned about Toss Bank and negative bankbook, which will start deposit and loan services from October 5th.
There is no limit to the unreasonable loan.
I want you to get a loan that you can repay and pay it back well.
That way you can keep your credit score good. 🙂