케이뱅크 비상금대출By Reporter Kim Yun-seok
2022.12.18 13:12:43
K Bank Emergency Loan is a non-face-to-face loan service available from K Bank, a first-tier financial institution, without verification of occupation or income.
It is available with a minimum annual interest rate of 7.17% to a maximum of 15.00%, and the actual applied interest rate varies depending on each customer’s transaction terms and credit situation and can be confirmed at the loan agreement stage.
The loan limit is up to 3 million won. If you do not meet the self-screening criteria, have a history of delinquency, or already have other loans from K Bank, your application may be restricted.
K Bank Emergency Fund Loan is an ‘emergency fund minus account’ that can be used immediately in times of emergency, and is available to Koreans aged 19 or older.
In addition, if you are eligible for a loan and can issue a Seoul Guarantee Insurance policy, you can apply for this product regardless of your job or income.
However, if you do not meet K-Bank’s screening criteria, have delinquent payments, have applied for credit recovery, etc., you will not be able to take out a loan.
To ensure that you can use the loan stably, we limit the monthly application amount, and once the application amount is closed, you can use it the following month.
Anyone who is eligible for a K-Bank emergency fund loan is a Korean citizen over the age of 19 and meets the K-Bank screening criteria for issuing Seoul Guarantee Insurance insurance policies.
K Bank emergency fund loan is a negative account account, and the limit is from a minimum of 500,000 won to a maximum of 3 million won.
The basic loan period is 1 year, and you can apply for extension before maturity every year using the website or app. The unit is 1 year, up to a maximum of 10 years.
The loan interest rate ranges from a minimum of 7.17% per annum to a maximum of 15.00%, but the actual interest rate varies depending on each customer’s transaction terms and credit situation.
You can apply for the K Bank emergency loan through the K Bank app or website, and no separate documents are required.
However, membership registration is required because a simple password or biometric authentication is required to proceed with the application process.
Before applying for a loan, please carefully check the product details and compare it with other products to choose the one that is more beneficial to you.
You can apply for the K Bank emergency loan through the K Bank app or website, and no separate documents are required. However, membership registration is required because a simple password or biometric authentication is required to proceed with the application process. Before applying for a loan, please carefully check the product details and compare it with other products to choose the one that is more beneficial to you.
Total time: 5 minutes
Run the app and log in. If you have not registered as a member, please sign up first.
On the My Account screen, select a product at the bottom.
On the product screen, select a loan from the list.
From the list of loan products, select Emergency Loan from Credit Loan.
Touch ‘Check limits’. You can proceed by following the procedures such as consent to information and identity verification.
Please keep in mind that it may be difficult to apply for an emergency fund loan if you have other K Bank credit loan products.
Loan repayment can only be made from an account in your name, and in case of late payment, a late interest rate of up to 15% per annum is applied.
Emergency fund loans are exempt from stamp duty because they are small loans of less than 50 million won.
An annual 3.0% is added to the loan interest rate.
Payment is made every month on the day the loan is executed or on a date designated by the customer. If there is no such date, payment is made on the last day of the month.
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