Yesterday, the Toss negative loan was informed of an interest rate hike.
It has been 6 months since I opened a negative account. Time flies so fast… 토스뱅크 마이너스통장
Today, I’m going to talk about why I chose to cancel the loan after comparing the loan rates of Toss, Kakao Bank, and K-Bank’s negative bankbook, and even the process of switching.
Toss negative account interest rate hike 이베이스매뉴얼
The toss negative bank account interest rate has risen from 3.39% to 4.01%. (0.62%p increase)
Kindly send me a text message as follows.
Kakao Bank’s loan interest rate is too high.
The loan interest rate for the negative bank account of Kakao Bank, which was renewed on January 20 of this year, is 4.525%.
It is 4.01% because Toss raised the interest rate, but the interest rate on the negative bankbook of Kakao Bank is too high.
What is the negative interest rate of K-Bank?
So this time, I looked up the interest rate on the negative bankbook loan of K-Bank.
How is it?
April 6 Today’s K-Bank negative passbook interest rate is much more advantageous than the Kakao Bank interest rate four months ago.
Despite the gradual rise in interest rates on loans in the past 4 months, how
I checked whether the interest rate of the negative bank account of Kakao Bank is bad.
Kakao Bank cancels negative account
My choice was so easy.
I immediately canceled Kakao Bank’s negative account.
And tomorrow, we plan to switch to K-Bank minus bankbook loan.
K-Bank offers a minimum of 3.57% and a maximum of KRW 200 million.
Kakao Bank is no longer a bank with low loan interest rates.
Rather, K-Bank’s negative bankbook comes out with good interest rates and limits.
If you think Kakao Bank is everything…
If you do not have a K-Bank account, you should now consider K-Bank as a loan option.
In addition, there is even a lucky box event of up to 100,000 won when you sign up using the link below.
<Receive K-Bank lucky box and join K-Bank>
I actually got 10,000 won. I’ll give you my luck.
Even if you don’t, you can get at least 5,000 won.
Bank of Korea to raise base rate
At the Bank of Korea Monetary Policy Direction Meeting on April 14th, the base rate hike is definitive.
It will increase from the current 1.25% to 1.5%.
Of course, all loan interest rates will increase.
So, if you plan to get a loan, it is a little more advantageous to get it this week.
Loans are also timing..
On the same day, Woori Bank’s non-face-to-face application is available at an interest rate of 4.83% and a limit of KRW 17.2 million. When I inquired at a Woori Bank branch, if I submit documents (certificate of employment, income certificate, etc.) Opinion that it could be better. If you open a negative account in Kakao Bank, Woori Bank seems to lower the limit. x