Today, I would like to learn more about emergency loans.
The target of this comparison is the Nonghyup All One Emergency Loan and the Woori Bank Emergency Loan.
The two products have in common that the condition is determined through the communication grade along with the limit condition of 3 million. 통신등급 조회
Now, let’s take a look at what the two products have in common and the differences, and let’s take a closer look at the conditions of interest rates for the two products, which are said to have risen a lot these days. 이베이스매뉴얼
Nonghyup All One Emergency Loan?
Limit: 3 million won
Interest rate: from 5.30%
Duration: 3 years
Repayment method: Repayment in equal installments of principal and interest
The first product to check is the Nonghyup All One Emergency Loan.
This product is an emergency loan product of the Nonghyup, and the maximum is 3 million won.
The minimum interest rate is 5.30%, and the credit rating 1st grade amount is 3 million won and the period is 3 years.
In the case of the Nonghyup All One Emergency Loan, the conditions that can be used are summarized
1. 19 years of age or older
2. It is possible to calculate the communication level
3. These are people who are using a demand payment account with the Nonghyup.
Because the product itself can only be signed up for the Nonghyup All One Bank app, which is a smart banking app, you need to sign up for the online banking service to use it.
You can use the interest rate cut request coupon, and you can use it even on holidays including Saturdays and Sundays, so you can use it more flexibly.
What is Woori Bank Emergency Loan?
Limit: 3 million won
Interest rate: 6.50%
Duration: 1 year
Repayment method: limit loan [minus passbook]
The second is the Woori Bank emergency loan product.
The lowest interest rate is 6.50%, which is also a condition of using 3 million won for one year with a credit score of 1st grade.
Because it can be used as a negative bank account, many people use it as a small negative bank account.
New customers who do not have a loan with Woori Bank can benefit from a 0.3% preferential rate during the first contract period.
If we summarize who can use this product,
1. An adult 19 years of age or older
2. Those who use the three telecommunication companies KT, SK, and LG that can calculate the communication rating must be
3. Those with the lowest CB [credit rating] 1 to 6 can use it.
In fact, it is known as the last emergency loan available in banknotes, and this product can also be used only with smartphones.
It is also the first product I recommend if there are people around me who need a small negative bankbook.
So what is the communication level?
There is one word that appears in common in Nonghyup All One emergency loan and Woori Bank emergency loan, and that is communication grade.
This is a kind of credit rating based on customer information used by the three major telecommunication companies.
In the case of a telecommunication company, it retains customer usage information and uses it for mobile phone opening or terminal installment.
As more and more people use smartphones, they are using it for loans.
For more details and how to inquire about communication level, please use the link below.
Easy access to communication level inquiry
Before trying to easily search for communication ratings, I learned about the emergency loans of Woori Bank and Nonghyup, and I…
Is the interest rate higher than the one here?
As I mentioned in my previous post, the actual interest rate using the product is higher than the interest rate listed here.
Interest rates on emergency loans are known to be in the 7-8% range.
Most credit loan interest rates indicate the lowest interest rate, and the lowest interest rate is literally the lowest possible interest rate.
The interest rate that I received up to the last preferential interest rate at a certain rate of the limit that I can borrow with a credit rating of 1st grade
says
What is important here is the reason that the emergency fund loan is 3 million won in the case of the limit.
Please check this through the link below.
Why is the K-Bank and Kakao Bank emergency loan limit 3 million won?
Today, I would like to take a look at a slightly interesting topic. Credit limit, which many people know about…
So which bank is better?
I say this every time, but it varies from person to person.
Both the Nonghyup All One Emergency Loan and the Woori Bank Emergency Loan have a preferential rate for customers who use each bank under the condition of preferential interest rates.
In the case of Nonghyup, when using the NH Chaeum credit card, and in Woori Bank, you need a Woori Bank account to use it.
So, which bank to use and which product to use depends on individual circumstances.
If I had to recommend it, if the interest rates of the two banks are the same, the advantage of Woori Bank is that it can be used more flexibly because it is a negative account.
Of course, in the case of the Nonghyup All One Emergency Loan, there is a three-year period, so the repayment amount is not large, so please check the monthly repayment amount in advance and use it.
organize
This time, we compared the product information of Nonghyup All One Emergency Loan and Woori Bank Emergency Loan, which are widely known as telecommunication grade loan products.
In fact, many people look at it because of the fact that there is no requirement for occupation and income, but after checking this time, isn’t the interest rate too high? I’ve been thinking about it
I hope that today’s content will be helpful to those who are looking for a loan because they need a small amount of money.
#It’s a hard life in the age of Corona
I’m working hard, but I’m not like my heart
Still, I want to live without shame.
do my best again
I want to run forward
Corona will end soon
#The day I can return to my life
I hope you come to me soon
I’m talking today
# How to check credit rating
#Let’s talk about how to increase credit
I’m also trying to raise my credit.
I’m trying this and that, but it doesn’t work
Please refer to the contents
First of all, as you all know
# Do you know who uses credit cards?
If you use it well without overdue
It helps a lot with credit recovery.
And the moment you overdue even once
Your credit rating is going down quickly.
That’s why using a credit card
You should not use it excessively.
(The problem is that I use it too much)
So, how to check your credit rating
and how to increase credit rating
Is credit management good?
Credit rating is really important
You have to manage it carefully.
Thinking about the next day
# Favorable conditions in financial transactions
It is the first condition that you can have.
buy the same price
You can live with a lower interest rate and have a good credit rating.
Therefore, even in the case of a loan
Loan limits and scope vary.
Clearly applicable to employment
#To get a job in the financial sector
To check your credit rating at the time of joining
You may be restricted from work
And there are no restrictions when opening an account.
It may be
Therefore, credit management is really
It is better to do it thoroughly
Then #how to check credit rating
I will also find out about
The credit rating is approved by the Financial Supervisory Service.
#Determined by a credit rating agency
Credit rating in Korea
There are several companies evaluating
All Credit / NICE Keep Me / CB
It is said that there are
If you want to check your credit information
#Euroservice provided by each company
You have to sign up for
Most are free up to 3 times a year
say you can look up
#NICE Please refer to the following ↓↓↓ for how to search
NICE keeper
No. 1 credit rating agency, nice credit habits that increase your credit score
Of course, go to the website.
After registering as a member
You can look up the menu.
through credit ratings and ratings.
You can check your credit rating
#See all credits below ↓↓↓
Korea’s representative credit information all-credit established and used by financial institutions
All Credit allows you to view personal credit scores for financial institutions, manage credit, and raise your credit score. From free credit score inquiry to credit card, loan usage status, delinquency check, credit information change alarm, customized coaching program for rating improvement, credit improvement law, etc., you can check credit and manage credit growth together.
In the case of Allcradat, the first screen of the homepage
Credit management > Credit improvement free diagnosis
you can check
You can check up to 3 times for free.
It would be good to refer to
Also, free inquiry on each site
And the time is different.
Please check and use
A credit information company determines an individual’s credit rating, etc.
Things to understand when evaluating
Credit card usage amount from loan repayment history
And the current loan status for the period, etc.
Proper credit card use
It is useful to increase
No delinquency while using a credit card
If you use it well, you get extra points.
If the period of use is also longer
Your credit rating will only increase.
I didn’t know
If you use a debit card of 300,000 won per month or more,
Use for more than 6 months
4 to 40 points depending on the credit bureau
They say they give you points
In addition, telecommunication charges, health insurance, national pension
Electricity bill, water bill, city gas more than 6 months
to pay in good faith
Of course, if you have
Your credit rating is going up
In the case of payment performance, the telecommunication company
to the National Pension Service
You can request it
I think trust is very important.
Always use only what you need
It’s better to keep your credit