If you try to borrow money, you can be worried when interest rates are high these days. In particular, if you don’t know where to borrow emergency loans for unemployed people, today we will look based on Kabang products. 카오뱅크 비상금대출 연장
What about Kakao Bank’s emergency payment loans for unemployed people?
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It is a product that can be easily borrowed on a mobile phone with a maximum of 3 million won and a minimum interest rate of 5.26% for less than a minute.
What are the conditions of Kakao Bank’s emergency loan?
● Loans from a minimum of 500,000 won to a maximum of 3 million won for one year
Regardless of your job or income, you can borrow it comfortably as long as the standards are met.
Customers who are 19 years of age or older and have no credit rating judgment information such as delinquency or bankruptcy information, no application such as bankruptcy, indemnification or rehabilitation, no financial fraud-related records, and no history of holding or losing overdue loans can borrow them comfortably.
Depending on the applicant, you can borrow an emergency fund or a medium credit emergency loan.
What is the interest on Kakao Bank’s emergency loan?
General emergency fund loans range from 5.25% to 15% per year. Mid-term emergency fund loans are higher than general products, starting at 6.720% per year and at 12.241%. The loan interest rate is the interest rate obtained by adding an additional interest rate to the base rate and subtracting the preferential interest rate.
Delinquent interest may also result in overdue interest, and 3% per year may be still added to the loan interest rate.
Kakao Bank’s emergency loan repayment?
● Interim repayment is a transfer of the borrowed amount to the existing account number of Kabang
There is no interim repayment cancellation fee, so you can repay it at any time. The interest payment method is the settlement date of the new date of the loan, and the interest payment is automatically transferred at this time.
It is also good to check the part that can be changed to the date you want after the new loan. If the deposit balance is insufficient, it can be withdrawn within the loan limit. It is recommended to check the repayment schedule carefully because overdue interest can be incurred.
Since the concept of a negative bank account is to proceed with the emergency loan, if you want to proceed with the intermediate repayment, you only need to transfer the amount you borrowed from your Kakao Bank existing account number.
Kakao Bank’s emergency loan extension?
In order to extend the loan period, it is necessary to apply for an extension through the app every year before maturity. Depending on the individual’s credit status, the extension of the period may be rejected depending on the results of the period extension review.
In this case, the loan balance and unpaid interest must be repaid. If the loan is not repaid after the expiration of the loan, the overdue interest rate is applied to the balance by the delinquency period, and the delinquency can cause disadvantages such as registration of credit information targets.
Credit score down?
Borrowing from the first financial sector does not affect the credit score decline. Maintaining transactions without delinquency can also help manage credit scores. Even unemployed people can borrow comfortably.