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Home » What are the qualifications and conditions for K Bank Credit Loan Plus?
K Bank Credit Loan Plus is a product that can be easily applied for via mobile, so there is no need to submit cumbersome documents proving your income.
The characteristic of this product is that even unemployed people can apply regardless of occupation or income, and the limit is up to 300 million won.
The interest rate ranges from 5.97 to 12.73% per year, and no fees are charged even if you repay early.
Credit Loan Plus does not ask whether you are employed, and you can apply if you meet K Bank’s screening criteria.
The repayment method is to repay by equal installments of principal and interest, dividing the total interest and principal by the loan period and repaying by the maturity date.
For reference, the early repayment penalty is exempted, so if you repay at least part of the loan when you have funds available, you can reduce the interest burden.
This loan is a household credit loan product. The limit is up to 300 million won, and the loan period can be selected from ‘1, 2, 3, 4, 5, and 10 years.’
There is a monthly limit, and if this is used up, the sale may end early and then resume in the following month.
Please note that it is possible to request an interest rate reduction if the borrower proves that his or her credit status has improved.
The limit is up to 150 million won, and is applied differently to each borrower depending on credit status, etc.
Also, please keep in mind that if you have a loan from K Bank or another financial institution, your limit may be affected.
The loan interest rate ranges from 5.97% to 12.73% per annum. This is a method in which an additional interest rate is added to the base interest rate.
The interest rate applied to the borrower varies depending on credit situation and transaction conditions, and the actual applied interest rate can be confirmed at the loan agreement stage.
However, please note that in case of late payment, a late interest rate of up to 15% per annum will be applied.
You can apply for K Bank Credit Loan Plus through the mobile app or website, and mobile phone verification in your name is required.
Please note that taking out a loan may have repercussions such as lowering your credit score, so please make your decision carefully.
You can only repay the loan using an account in your name, and you can change the principal and interest payment date only once during the loan period.
Please note that you may not be able to apply for a loan if you have a delinquency history or do not meet the screening criteria.
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