when buying a car
to use leverage,
card installment
I do have a car loan
There are many cases where negative accounts are pierced.
I don’t like to be in debt.
I hate unnecessary spending and interest expenses 국민은행 마이너스통장
I prefer a limit loan (minus bankbook) to a general loan.
Interest rates are slightly higher than regular loans
I can pay it back as soon as I get the money
As a result, both the principal and interest of the loan are reduced. 이베이스매뉴얼
So yesterday I tried to open a non-face-to-face negative account,
Kookmin Bank’s first failure!
The reason is?
#Kookmin Bank non-face-to-face matong
#Kookmin Bank minus passbook
In order to proceed to the next step, a certificate must be issued.
It was only issued, but it is not available for 4 days…
Try it at Woori Bank, the main bank, for the second time quickly!
#woori bank matong
# Woori Bank non-face-to-face negative passbook
#Opening of Woori Bank Matong
Yes….?
My credit score is around 900.
Why?
It’s been so hard to break through the muzzle these days.
It’s a really difficult thing to do.
3rd attempt at Kakao Bank!
#Kakao Bank Matong
#cabinmatong
I haven’t used carbine before.
To make matong in Kakao Bank
I had to create a deposit and withdrawal account.
But last time I signed up for Toss and had a nightmare of 20 business days limiting new account issuance…
If you create a cabin deposit and withdrawal account this time,
Thinking that there will be another unexpected restriction, I lightly click the back button.
I heard that it is difficult to open a negative account these days.
I didn’t know it would be like this.
We failed in three places, Kookmin, and Cabin without face-to-face.
visited the window.
4th attempt, visit Woori Bank, the main bank.
When asked about the limit, I asked for about 4,000.
They say that negative bankbooks don’t come out that far these days ㅠㅜ
It is possible to open a business only if there is evidence such as an estimate that proves that funds are needed…
And it seems that the non-face-to-face limit loan was rejected because it was jointly guarantored by the guarantor (the loan for the house I live in now is in my husband’s name and I am the guarantor). The content of ..
It is said that it is only possible to receive a negative passbook without any reason for 1-2 thousand.
Finally, I visited Kookmin Bank.
The reason I went to Kookmin Bank was because the Jeonse Loan belonged to Kookmin Bank.
4 million was rejected
The liver was small, so I requested only 30 million won,
The loan was approved
The interest rate was 5.23 percent…..
yes???
Even with a preferential interest rate of 0.9%
It’s 5.23 pro.
Up to one credit card with an annual fee of 30,000 won was issued…
I said, ‘I don’t want to make a new car.
I have a new car, but he told me after I got it all that I can’t just get the issuance and that I can get a preferential interest rate only when I have completed my performance…
I don’t actually use the window
The reason why I want to do all kinds of banking business non-face-to-face
This was because there were many cases where unnecessary card issuance, Open Bank subscription, and automatic debit registration were required.
If you reject it, it’s embarrassing to say no
However, to sign up for services you do not want
My personal information is at risk.
At one time, it was said that it would be difficult to issue a negative passbook.
There was a time when you and I were issuing maton.
I remember it was around the end of last year.
The public offering shares are also made in Matong
I also do various re-tacks.
As a living fund that you may need
The magic that everyone has one.
I’ve never been before, so just in case
My husband and I wanted to pierce the mating one by one.
As time went on, it became really difficult.
Even if it is difficult to make
What else is the interest rate?
Is the interest rate high because Kookmin Bank is not the main bank? The interest rate received by her husband, who uses Kookmin as her main bank, was 4.57%.
Rather, IBK’s non-face-to-face document review is very simple.
It was possible to open in 5 minutes at around 3.37.
They said that the limit could be up to 3900.
Comparison of Shinhan Woori Bank, which is eligible for negative passbook issuance
Let’s take a look at the subject of issuance of negative bankbooks, which are financial products that are easier to use than credit loans.
First of all, negative bankbooks are free from deposits and withdrawals, and the repayment method also pays only the interest on the amount used monthly and repays it at maturity.
So, let’s take a look at the pros and cons of each product.
Kookmin Bank minus passbook issuance target
① Employees who have been employed for more than one year
② Persons eligible for the Bank’s credit rating
Find out about Kookmin Bank minus passbook issuance qualifications and Sunshine Loan products
Find out about Kookmin Bank’s minus passbook issuance qualifications and Sunshine Loan products This post is for those who are using Kookmin Bank as their main transaction and are thinking about issuing a minus passbook. What is the standard for issuing kb negative bankbook?
▲ Kookmin Bank can provide up to 100 million won [150% of annual income] for current employees, and the interest rate is in the mid-4% range.
Shinhan Bank minus passbook issuance target
ⓐ Employees who have worked for more than 1 year
ⓑ Including Shinhan Bank Tier
ⓒ Annual income of 28 million won or more
ⓓ Choose 1 between credit loan and negative bankbook
Learn about Shinhan Bank minus bank account qualifications and government-supported loans
Shinhan Bank Negative Bank Account Qualifications and Maintenance Support Loans Why do I need to create a negative bank account? First of all, the biggest advantage of a negative passbook is that it is not a loan product that can lower your credit score when you need cash.
Preferential interest rate applied
1. Salary transfer – 0.4%
2. Use of Shinhan Card – 0.3%
3. Subscription to a product for accumulation-type products – 0.2%
The limit of Shinhan Bank products is 50 million won, which is lower than that of the public.
Woori Bank minus passbook issuance target
㉠ 20 years of age or older
㉡ Woori Bank existing customers
㉢ Candidates within the range of CSS calculations
Woori Bank Minus Passbook Issuance Qualifications and Sunshine Loan
Learn about Woori Bank’s minus passbook issuance qualifications and Sunshine Loan How much is the interest rate according to your credit rating?
▲ Woori Bank sets the exact limit and interest rate through the Credit Rating System (CSS), so there are many differences depending on the customer’s credit rating.
Above, we compared negative bankbook products by financial company. If you have additional questions, please check the detailed information through the shortcut.
You can choose one of the two repayment methods and repay it as you wish: ① payment of principal and interest together or ② one-time repayment of the principal at maturity.
Choice of repayment method
The applicable interest rate is less than 20% per annum, but it fluctuates depending on your credit rating. As previously announced, there are no management-related fees incurred during the process and no fees for the principal paid during the mid-payment period, so you can use a method to reduce the debt burden.
final preparation
◆ Organize your documents by giving them information.
◆ In summary, in relation to income or tenure, such as the original
◆ Most of the required documents are documents that can be issued over the phone.
◆ The hassle-free way to prepare documents without worry.
◆ You can receive inquiries and guidance as other documents are sometimes required.
I hope that you will find a product that is right for you and use debt management systematically or safely. If you need money urgently, even if you want to know the banking standards, it is difficult to know which part is right for you or which part you need more because they provide a lot.
It is cumbersome to find out if there are other conditions or if there are additional files, and it is more difficult because there is no precise direction guide.
So, I’m trying to figure out the circumstances this time, but I think there is no problem in understanding and the implementation is very simple compared to what everyone knows.
■ Anyone who can become an ordinary office worker can expect to raise money through credit management. However, □This is a breakdown of how much you worked and how much you earned in essential businesses.
It can have an impact. The verification process is not easy, so we give up halfway through.
《Conditions for maintaining credit》
Difficulties can arise as there are restrictions on progress.
If you use the financial sector from now on, unlike the previous provisions, even if your annual salary is 10 million won. One, proceed is also possible. qualified.
In general, as the standard for human resource positions of 3 months or longer has been adjusted downward, you can apply after working for 1 month or longer.
There is no overdue or non-payment including use of existing other financial companies and credit cards, and it can be used if it meets the requirements for guidance.
Even if it is processed now, if you register for past records, you may not be able to apply.
Precautions
From now on, I would like to inform you of the condition of the ongoing process. You can repay the full amount from as little as 1 million won to as high as 50 million won, and from as little as 1 month to as long as 5 years.
Please note that the maximum annual interest rate of up to 20% can be differentiated according to personal creditworthiness or additional content.
There may be a screening process before you receive it, so you will need additional documents or other materials.
There are a lot of ideas for smartly creating a financial life, but things don’t just go away and there are circumstances that I don’t have. I am depressed.
There are many articles that apply strict standards such as annual income as well as workplaces, but which bank can solve these difficulties?