This time, I extended my Kakao Bank negative account as the expiration date was approaching. Interest rates have risen, but I can’t feel it
It’s a situation I haven’t been in, but seeing the interest rate that has risen surprisingly through this update, the burden of using it is approaching. (Is this toss the same?)
In addition, since negative bankbooks are not frequently used for emergency purposes, the limit has been reduced to the limit, so I think that it is an effect of government policy.
The changed limits and interest rates are as follows: 토스뱅크 사장님 마이너스통장
Loan limit (previously) 50 million won –> (changed) 40 million won: 10 million won decrease 이베이스매뉴얼
Loan interest rate (previously) 3.823% –> 5.377%: about 1.55% increase
When calculating the interest rate, you will not feel it, so if you take a full loan of 40 million won, you can analyze the one-month interest rate as follows.
<1 month interest on a 40 million won loan>
Interest rate about 3.82% –> about 127,000 won
Interest rate about 5.37% –> about 179,000 won
—————————————
(Increase) KRW 52,000
Compared to a 40 million won loan, one month interest increased by about 50,000 won
If it’s 50,000 won, my son’s juice is paying extra for a month. For me, it’s like a month’s clothing cost…
Then, I suddenly wondered how much interest rates have risen since 2019, so I looked for data.
2019 (new): 3.248%
2020 (1st extension): 3.036%
2021 (2nd extension): 3.823%
2022 (3rd extension): 5.377%
There have been times when the interest rate on loans has also decreased.
It is used when it is necessary for public offering stocks or emergency situations, but it was a loan extension review where the interest burden was felt.
We hope this helps you to check the latest trends. Please don’t let other people
Even if you deposit money in your bankbook for just one day without any conditions, you can pay interest at an annual interest rate of 2% before tax and protect depositors up to a limit of 50 million won. 1 Although it pays higher interest than the recent time deposit products of other banks in the financial sector, there are no restrictions on maturity. You can borrow the funds you need at any time, and you can even earn a lot of interest!
There was a small amount of savings that had recently expired, but considering the extension of the credit loan next year and the balance of the sale rights, it was very vague as to when the deposit maturity should be set.
Pre-registration for opening a deposit/withdrawal account – Besides, I was once again impressed by Toss’ marketing, which allows me to open a bankbook with priority as my waiting order gets faster every time a friend pre-orders one by one through my referral link. Loans that bind all kinds of loans like these days, and even unconventional loans during the cold season are being promoted extensively, so it seems to have used the psychology of financial consumers who want to rush because the limit is going to be exhausted at the right time.
I applied for account opening in advance on October 1, and at the time of application, the order number was about 1,060,000. was able to open
Account opening completed,
Toss money you already have is automatically transferred to your bank account.
Immediately after opening the bankbook, the deposits scattered here and there due to ambiguous maturity were canceled and moved to Toss, and the large amount of money was separated using the ‘Collection’ tab of Toss Bank. The deposit and withdrawal account will be used as a parking account. The deposit products of existing banks had a lot of difficult incidental transaction conditions to receive 1.5-3% interest. can 🙂
It’s easier and more convenient than any non-face-to-face account opening that I’ve done before, from the bankbook opening procedure to applying for a check card, so even those who usually hate being bothered can open the account with their eyes closed for the first time and change the automatic withdrawal account for various utility bills. Dare to recommend! All you need to prepare is a mobile phone and another bank account to verify your ID.
And in my case, I didn’t need an additional loan right away, but I looked up credit and negative loans to compare loan conditions. In fact, I didn’t expect much since I had some existing loans, but as a result of the loan review, the interest rate for the credit loan was calculated at an interest rate of about 2.8-4% depending on the additional loan limit and amount of about 30 million won (expected borrowing at the time of repayment + 3,000). Loans are capped at 10 million won in the 3% range, so they have a hole in them just in case.
Completed opening of Toss Bank minus account. 12-month fixed rate 3.67%
Of course, the loan limit and interest rate will vary depending on individual income, credit rating, and debt ratio, but in my case, the limit was calculated that exceeded my annual salary, and the interest rate was not very low. Although there are individual differences, I am waiting for a bank account to open because I need a loan urgently, but I will leave it in detail for those who are curious about the loan conditions.
As a result of opening an account directly and applying for a negative loan, the conclusion!!
An unconditional 2% interest rate payment on deposits is highly recommended,
In the case of a loan, the limit is definitely large and the interest rate is not bad.
The procedure is very simple and convenient ;
From 11:00 am on January 1, 2022, Toss Bank resumed credit and negative bank loan services.
I already made a negative account with Woori Bank. To find out how much loan is available at Toss Bank, I immediately checked it out at 11 am and made a loan.
If you have already used Toss and created a Toss bank account, you can proceed even faster. I also opened Toss Bank, so I was able to do it easily in advance. But that doesn’t mean it can’t be done, it’s so simple that anyone can do it!
To check the loan limit before opening an account, you can go to this website and check it.
What will my limit be?
Find out the Toss Bank loan limit easily
First, run the Toss app. After running it, if you click All in the lower right corner, it will appear like the first screen.
From there, select Toss Bank and go to Borrowing. It does not take long to check the limit, so you can check the limit. I made it in advance so I can borrow it right away.
In addition, as of January 1st and 2nd, the government’s DSR regulation policy is not yet included, and from the 3rd day onwards, the DSR regulation policy is included, so the loan limit and interest rates may change.
In this way, two credit loans and negative bankbooks come out. You can use the loan you want.
I would choose to borrow with a credit loan.
After making your selections, click Continue. If you have 4 questions, feel free to ask.
There is an item for each of the 4 questions, so you can refer to it.
Next, you will find what you need to know and an explanation of the product.
If you want to read it in detail, you might want to read it.
Click OK to start the review.
The time for each review is different, so you can leave the app on and wait.
If the screen is off, the review may not be possible, so we recommend that you leave the app on and the screen on.
After the screening is over, each person has their own limit, but in my case, I knew that it was possible from 1 million won to 23 million won.
You can see that the annual interest varies with the amount. You can set it according to the amount and interest you want.
When you have set everything, click Borrow and the following window will appear.
You can set the repayment method, interest rate change period, period, and interest payment date, so it would be good to do what you are comfortable with.
You can easily create it by making an application like this, linking an account, and creating it.
You can borrow only as much as you need through the amount and interest you want.
Reckless loans can cause anger, so I think you should only borrow as good as you can afford.
Since Toss Bank is online non-face-to-face, it is easy to borrow money without taking a long time.
Considering interest rates last year, interest rates have risen so much this year that it is not easy to get a loan.
I think it would be good for everyone to use the loan safely!
Hello, I’m Demi.
Today, I will introduce how to create a Toss Bank negative account.
1) Enter the Toss app and click the Toss Bank menu.
2) Loan limit is reviewed.
* In my case, the loan limit is displayed because the loan has already been reviewed.
3) Select the Borrow tab at the top, check the loan limit and interest rate, and click Borrow at the bottom.
4) Select the minus passbook and click Borrow with minus passbook at the bottom.
5) Negative passbook review is in progress.
6) Select the limit of the negative account amount by moving the upper scroll left or right, and click Set at the bottom.
7) Check the conditions such as the borrowing amount, interest rate, interest rate change period, period, and interest payment date, and click the Create button at the bottom.
8) A negative account is opened with the words of congratulations.
9) When you go to the initial screen of Toss Bank, you can see that the negative bankbook is displayed on the loan received at the bottom.
10) You can check the used limit and remaining limit by pressing the minus account.
* For reference, if you open a negative account and do not use it, no interest is accrued.
Therefore, even if you do not need money right away, it is good to open it in advance for emergencies and use it when you suddenly need money.