Hello~^^ Today, I brought you a case of approval for a monthly rent deposit secured loan~^^
Last week, the customer who inquired about a monthly rent deposit secured loan at our Bank & Loan
was a customer who was currently working at a steady income-generating job and was able to prove employment and income ^^
(If you cannot prove employment and income, there may be many restrictions on the review.)
The monthly rent deposit for the house you live in was 30 million won, the monthly rent was 1.1 million won, and the contract was made through a certified real estate agent.
(You can apply for a monthly rent deposit secured loan starting from 5 million won/The approval rate may be lower for individual contracts.)
The contract period was a 24-month contract from February of this year to February 2023. (You must have at least 6 months left until the contract expires.)
We provided you with the documents to prepare for the financial institution review (simple income verification documents, contract documents)
After checking the possibility with about 3 financial institutions, 2 financial institutions (affiliated companies) gave us a limit of 23 million won~^^
(In the case of a deposit-secured loan, you can borrow up to 60-80% of the deposit on average.)
The customer wanted to proceed with 20 million won, and as a result of the application, the day after leaving a consultation request
you were able to receive the necessary funds ~^^
Below is the conversation between me and the customer~^^ Please refer to it.
Thank you ^^
Company name: Bank & Loan Brokerage Co., Ltd. | Representative: Choi Gyu-yeol | Corporate business registration number: 125-81-99378 | Location: 505, B-dong, Dongtan Jiwell Estate, 160 Dongtan Banseok-ro, Hwaseong-si, Gyeonggi-do | Business type: Loan brokerage | Representative number: 1599-2486
2022-Gyeonggi Hwaseong-0014 (Loan brokerage) | Corporation registration number: 131311-0110729
| Loan brokerage registration attempt name: Hwaseong City Hall, Gyeonggi-do (Loan brokerage manager: 031-5189-2694)
Loan interest rate: Within 20% per annum (default interest rate: within 3% of the contracted interest rate + 20% per annum) (Applies to new contracts, renewals, and extensions from 2021.07.07) | No brokerage fee is charged separately from interest. Requesting or receiving a brokerage fee is illegal | No handling fee, early repayment fee, or other incidental expenses. However, for some secured loan products, mortgage establishment, termination costs, and early repayment fees may be incurred (early repayment fee: within 3% of the early repayment principal in case of early repayment within 2 years from the loan date, applied differently by each financial institution. However, the sum of the prepaid interest and early repayment fee does not exceed 20% per annum)
The repayment period of all products advertised on the Bank & Loan Loan Brokerage website is 60 days or more and less than 60 months. Example of total loan cost (equal principal and interest repayment) If 1,000,000 won is loaned for 12 months at an interest rate of 20% and a maximum annual interest rate of 20%, the total repayment amount is 1,111,614 won. It may vary depending on the repayment method of each loan product.
Those who have public information, credit rating information, default information, etc. may be restricted from receiving loans. [Excessive debt is the beginning of suffering. When taking out a loan, your credit rating or personal credit score may decrease, which may restrict other financial transactions.]
General financial consumers have the right to receive a sufficient explanation from a financial sales business operator, and after understanding the explanation, please read the financial product description and terms and conditions before entering into a contract.
If the principal and interest that must be paid for a certain period of time are overdue, you may be obligated to repay all principal and interest before the contract expiration date.
We are a loan brokerage company that brokers loans from multiple financial sales businesses and are registered as a regular member of the Korea Loan Finance Association.
The direct sellers of the product are Golden Capital Loan Co., Ltd., OK Financial Loan Co., Ltd., Geo Capital Loan Co., Ltd., Yellow Capital Loan Co., Ltd., H&H Financial Co., Ltd., and APL Financial Loan Co., Ltd., and through direct contracts, Bank & Loan Loan Brokerage Co., Ltd. is in charge of advertising and brokerage work. There is no authority to conclude a contract during the brokerage.ㅣPhone number: 1599-2486
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