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Barobaro Loan 300 Loan Rejection Reason Small Loan Easy Place Unemployed Approval Rate.
If you are unemployed, housewife, employee with short employment period, or business owner with low credit rating or difficult income verification, it is not easy to use institutional financial institutions.
Even if you have low credit, you are fortunate to be able to use it through government-supported loans that can verify income for more than 3 months, but if you are rejected, you have no choice but to check the availability through a loan company, which is the last step.
Barobaro Loan operated by Barocredit is a consumer finance company, although it is part of an institutional financial institution. It is known to have a high approval rate and easy small loan, but please check the contents to see what conditions are required and use it safely.
Contents
This is the most basic condition. Although it does not apply regulations related to employment and income, the maximum amount that can be applied for as a credit for the unemployed is 3 million won.
If you have a low credit score but can verify income, an additional limit is given here, allowing you to use up to 30 million won. Most people think of it as around 5 to 10 million won.
If you own a car in your name, you can also check out how to increase the limit by using the car as collateral. This is a method where you keep the car you were driving as it is and the limit is given according to the market price of the car.
The two methods above are the ones you can find out in terms of credit. The advantage is that the approval rate is high even for people with low credit or low income. On the other hand, the disadvantage is that you have to use it at an average interest rate of 16% or more per year.
If you use the free repayment method, which is an interest-only repayment method, and borrow 5 million won, you will apply an annual interest rate of 20% and pay 83,330 won per month.
If you use 3 million won, you will incur an interest cost of 50,000 won per month.
Since there is no early repayment fee, even if it is a small amount such as 100,000 won or 200,000 won, you can reduce the interest burden in the long term by using it in a way that pays it little by little whenever you have spare money. Since the interest rate is not low, you should choose it for temporary use when you need it rather than using it for a long time.
If the delinquency continues for more than a week as of the application date and the fact is registered with the Korea Federation of Banks, it will be rejected. In addition, if the number of cash service usage is excessive or the repayment amount exceeds the annual income, it will be rejected.
Although the proportion is considered low compared to higher institutions, if you have both a lot of debt and a low credit rating, you will not be able to use it.
If you are an office worker who can prove your income for more than 3 months, you can use the policy fund regardless of your occupation, such as part-time, regular, irregular, or dispatched, so please check this part as well, and it can also help you expand your options by learning about the steps.
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