Toss Bank, the president’s negative bankbook loan amount exceeded 20 billion won (personal business personal money)
private business personal money
Toss Bank launched a non-guaranteed, non-deductible bankbook for individual entrepreneurs within 4 days of its launch.
It was announced on the 16th that the loan contract amount exceeded 20 billion won. 토스뱅크 사장님 마이너스통장
On the 11th, Toss Bank opened a negative account with a maximum of 50 million won.
The lowest interest rate is in the low 4% per annum (variable rate), and the president has launched a negative bankbook.
Customers can set a limit once approved, and spend money within it. 이베이스매뉴얼
It can be freely inserted and removed and used conveniently.
Unlike general credit loans, the hassle of getting approval every time you take out a loan
Not only that, but especially, you only pay interest as much as you spend, and the amortization fee is free.
private business personal money
In the meantime, individual entrepreneurs have urgently paid their business funds due to lack of operating expenses.
Even if you need to raise money, get money at the right time and at the right interest rate in the financial sector
There were many difficult times. The reason was mostly the lack of accessibility.
Because the commercial bank negative passbook product for individual entrepreneurs is not the main product,
There were many cases of using the product as an individual because they did not receive proper instructions.
Because of this, it is not possible to receive a fair credit rating in terms of interest rates and limits.
I had to go through absurdity.
Busy business owners may experience long waiting times in the process of visiting the bank counter.
There are also issues such as having to turn around due to paralysis of qualification requirements.
had to go through
private business personal money
Toss Bank is a financial consumer based on the concerns of individual business customers.
Anyone who needs urgent money should use the bank without any worries.
I explained that I had judged.
The president’s minus passbook reflects the know-how accumulated through the president’s loan of Toss Bank.
We calculate customer-tailored limits and interest rates according to the credit rating model opened by ourselves.
From loan application to execution, 100% non-face-to-face, no guarantee / no collateral
The limit is given according to the individual’s credit, without a guarantee or the customer’s real estate as collateral.
Available customers are the self-employed and small business owners who are actually running their own business.
Have a business registration number and have been in business for at least 1 year or have lost sales for at least 6 months
say it should happen. The minimum proof-of-year income is 5 million won or more based on the source of proof of income amount.
private business personal money
A Toss Bank official said, “In the president’s negative account, the accumulated amount of the president’s loan, which has entered the market four months after launch, is stored.
The know-how was actively reflected,” he said.
We will carefully review it so that it can become a product like Danbi for customers who need urgent supplies.”
In the case of repayment method, the loan term is one year,
Customers say they can extend it for up to 10 years if needed.
private business personal money
In the case of Toss Bank’s president’s minus passbook
It’s only been 4 days since it was released, but it’s already been incredibly popular.
In addition, non-face-to-face, unguaranteed, unsecured negative bankbooks (limited loans) for individual business owners
It is the first time Tossbank was introduced, so it seems to be gaining popularity even more.
If you need business funds or emergency funds, etc. after checking the target of support and loan limit,
Business owners looking for a loan are encouraged to apply and receive it.
If you are not eligible for support, or if the required amount is higher than the loan limit
If it is bigger, please feel free to contact us 24 hours a day with Money Hero.
Real-time consultation is possible, and through 1:1 customized consultation
We provide customized loans to you!
The long-awaited Toss Bank negative account and credit loan were finally opened today, January 1st.
You should be aware that you are currently in a state of flood waiting for loans.
I’m going to check the actual interest rate and limit by inquiring credit loans and negative bankbooks.
And I want you to actually check it out too.
What is the application menu?
To get a loan with Toss Bank, you must first open an account with Toss Bank.
If you click the borrow menu of Toss Bank below, you can choose between credit loan and negative bankbook.
Loan waiting runaway
However, when selecting the loan menu, a pop-up saying <Loan application overflowing> appears as shown below.
You can also ask them to wait for a notification.
You can enter within 30 minutes to 1 hour at the latest, but you have to go to Seoul, right?
Loan interest rates and limits
My interest rates and limits below are based on KCB credit rating of 993 points. (Based on grades 1 and 2)
Toss Bank has set the <interest rate differential according to the application amount>.
The interest rate is 3.31% per annum for up to 15 million won, which is a small amount as shown below.
However, if you receive more than that, you will receive 4.37% interest at 48 million won.
Last year, as I expected, the 4% invitation rate came out.
Most people will probably crave grass, so you can think of it as 4.37%.
Unfortunately, in the case of the negative passbook, I was already full in Toss Bank, so it was impossible to inquire.
You can expect an interest rate of 0.25% or more higher than that of a credit loan.
What are the interest rates and limits of K-Bank and Kakao Bank?
So, I compared the interest rates and limits of K-Bank and Kakao Bank.
Kakao Bank is not available at all. This is Kakao Bank, which has lost its original mind.
However, in the case of K-Bank, it is said that it is possible at an interest rate of 5.08% for 11 million won.
In the end, Tossbank is more favorable at this point.
The Bank of Korea’s base rate hike in January is highly likely to be prepared…
The possibility of the Bank of Korea’s rate hike in January seems very high.
This is because of the high rate of inflation.
Also, in the US, the probability of an early end of tapering and a rate hike in March of this year is over 80%.
Therefore, the Bank of Korea is highly likely to raise interest rates preemptively this time as well.
The Bank of Korea’s Monetary Policy Direction Decision Meeting, which determines the base rate, is scheduled to announce a base rate hike on either January 13th or February 24th.
January 13th is just around the corner.
In conclusion, if you need a loan, Toss Bank credit loan seems to be very advantageous at this point.
Also, like last time, you don’t know when a loan suspension will occur, so it seems better to hurry.
Even if it is not Toss Bank, if you need a large amount of money, you should continue to closely monitor the interest rate and limit situation.
◆Wednesday, May 25th, economic/financial posting prepared the news of the release of the Internet-only bank Toss Bank minus bankbook.
In addition to revitalizing the business of small business owners and self-employed people who have suffered from business restrictions due to COVID-19 for a long time, Internet-only banks are the first to launch credit loan products for individual businesses.
Commercial banks, which have maintained the reduction and strengthening of credit loans for individual businesses, are also reorganizing credit loan products for small businesses.
Toss Bank loan application can be made non-face-to-face through the website and customer center, 365 days a year, 24 hours a day, 7 days a week.
The president spends as much as he needs and pays as much as he needs
◆The first non-face-to-face individual business owner’s ‘minus bankbook’ customized for the first internet-only bank… Exceeded 20 billion won in 4 days!
◆ Whenever you need a power supply, maximize the strength of the minus bank account… The accumulated know-how of ‘Loan by the President’ is also reflected!
◆Toss Bank official “The first launch of customized products for individual businesses… We will approach customer-oriented products” !
Toss Bank is the first internet-only bank to launch the ‘President’s Minus Passbook’ for individual business owners.
Toss Bank is the first to introduce a non-face-to-face, non-guaranteed, unsecured negative passbook (limit loan) for individual entrepreneurs.
Toss Bank announced on the 16th that it had surpassed the 20 billion won loan contract in 4 days from the release date of May 11th to the previous day.
The maximum of 50 million won and the minimum interest rate of ‘the president’s negative bankbook’ is in the low 4% per annum (variable interest rate).
For the Toss Bank loan of the above product, once the customer is approved and set the limit, money can be freely put in and out of it and can be used conveniently.
Unlike general credit loans, there is no hassle of getting an approval every time you take out a loan, and it is reasonable because you pay interest only for what you spend. The prepayment fee is also free.
In the meantime, there have been many times when it was difficult for individual business customers to obtain money from the financial sector at the right time and at an appropriate interest rate, even when they urgently needed to raise business funds, such as insufficient operating expenses.
The reason was mostly the lack of accessibility.
Because the commercial bank negative bankbook product for individual business owners is not the main product, there were many cases of using the product as an ‘individual’ because they did not receive proper guidance.
Because of this, they had to experience unreasonable problems in terms of interest rates and limits, such as not being able to receive a fair credit rating, and there were also problems such as busy business operators having to wait a long time in the process of visiting a bank window or having to turn back due to lack of qualifications.
Toss Bank focused on the concerns of these individual business customers. It was decided that any ‘financial consumer’ should be able to use the bank without any worries when urgently needed.
Toss Bank’s ‘President’s Minus Passbook’ is an alternative to adding the strengths of Toss Bank while maintaining the strengths of the existing negative passbook, reflecting the accumulated know-how of ‘President’s Loan’, to the credit evaluation model developed by Toss Bank. We have calculated customer-tailored limits and interest rates accordingly.
From application to execution, 100% non-face-to-face, no guarantees and no collateral, and for the first time in an internet-only bank, a credit limit is granted according to the individual’s credit without using a guarantee from a guarantee institution or the customer’s real estate as collateral.
Available customers are the self-employed and small business owners who are actually running their own business.
You must have a business registration number and have been in business for at least 1 year or have generated sales for at least the last 6 months. minimal proof