1. Park*ju 1
It’s stable since households don’t go up.
Why do self-employed people always talk about dying? Haha
2. Park*shin 1
Unnecessary. Groups and organizations should be closed down.
3. Park*shin 1
This is because of the old one-child policy. If there are more than two, it’s disadvantageous. They’re building a population tower. If you get a vasectomy, you’re exempted from reserve force training, etc.
Mainly housewives who devote themselves to housework have no earned income, so it’s difficult for them to use financial services from banks. The financial sector usually decides whether to lend based on employment status, subscription to the four major insurances, regular income, etc., but it’s difficult for housewives to satisfy this. This is why, in order to secure living expenses or a lump sum with a loan, you have no choice but to seek out secondary financial institutions that charge higher interest rates.
However, even full-time housewives can receive low-interest loans if they meet simple employment conditions or use emergency fund products. This is through ‘Haetsal Loan 15’ operated by the Korea Small Business Finance Agency. Haetsal Loan 15 is a system that supports low-credit borrowers who have no choice but to use high-interest loans to use bank loans if they meet only the minimum criteria.
If your annual income is 45 million won or less, you can borrow up to 20 million won. The interest rate is 15.9% per annum and the term is 3 or 5 years. However, if you repay steadily without delinquency, the interest rate will be lowered every year. A 3-year term is reduced by 3%p and a 5-year term is reduced by 1.5%p, so you can use the loan at an annual interest rate of 9.9% in the last year. Currently, the bank credit loan interest rate for low-credit borrowers with a credit rating of 8 or lower is around 15-19% per annum.
In order to use the loan, you must meet certain qualifications. First, you must prove that you have been employed for at least 3 months within the past year. Part-time work from home or part-time work for a few hours is also possible.
It is also advantageous to receive your salary by bank transfer rather than cash. If you can prove that your salary transfer history with a 3.3% withholding tax is applied to your salary account, it is easier to be recognized as a worker and it is easier to use financial services.
Another method is to use an emergency fund loan from a commercial bank. Woori Bank’s ‘Woori Emergency Fund Loan’ is a product that provides loans of up to 3 million won regardless of your job or income using your telecommunications grade. The telecommunications grade is calculated based on the rate plan, membership, payment amount, and unpaid amount used by the telecommunications company you are subscribed to. If you have not repeatedly failed to pay your telecommunications bills or been delinquent, your chances of getting a loan increase. The term is 1 year and the interest rate is 7.2-12% per annum.
Emergency fund loans are also available from Kakao Bank, an internet bank. Again, if you have no history of delinquency, bankruptcy, or financial fraud, you meet the qualification requirements regardless of your job or income. The limit is 3 million won and the interest rate is 4.8-15% per year. The loan period is 1 year. If you agree to financial transaction information, a preferential interest rate of 0.1% is applied.
[Reporter Choi Min-jun chmj0317@mstoday.co.kr]
[Confirmation=Han Sang-hyeok Desk]
