비상금 대출 종류Since loans up to 3 million won are limited to small loans, financial institutions do not need to verify the income, financial history, and debt of the borrower. Conversely, for loans exceeding 3 million won, conditions such as income, credit, and debt are mandatory to be checked.
People with low credit, grades 7 or 8, can also get a simple loan. An emergency loan will not have a significant impact on your credit score. However, the impact on your credit score may vary depending on your credit and personal debt situation. An emergency loan is useful in times like these.
Nonghyup AllOne Emergency Fund Loan is a first-tier financial institution, so emergency fund loans can be used at relatively lower interest rates than other financial institutions. The interest rate or loan limit may be adjusted depending on each individual’s credit or repayment ability. You can borrow for 3 years without a grace period, and the loan interest rate is fixed. Repayment is possible through equal installments of principal and interest.
Shinhan Bank’s convenient emergency fund loan allows you to quickly borrow small amounts ranging from a minimum of 500,000 won to a maximum of 3 million won. The loan period is one year, but the loan can be extended in one-year increments up to 10 years depending on the results of the examination before the end of the loan period. It can be repaid using a lump sum repayment method at maturity, and has the advantage of being able to repay the principal through internet banking even on holidays.
Woori Bank emergency loan can be obtained through the Woori Bank Loan Center. This is a document-free, easy loan product that uses telecommunication information to provide loans. This is an emergency loan that does not take into account employment or income because it utilizes telecommunication ratings. It is possible to proceed with a 12-month fixed interest rate and is repaid through a bankbook repayment method. No preferential interest rates are currently applied.
If you have the Kakao Bank app installed, you can borrow up to 3 million won in just 60 seconds. You can use an emergency fund loan (withdrawal directly from your account) after checking your credit score just by verifying your mobile phone identity. The loaned amount can be withdrawn as cash directly through a Kakao check card or used as an online or offline payment. Kakao Bank, a first-tier financial institution, is an internet bank that allows you to borrow emergency funds at a relatively low interest rate.
Unlike other banks, Cider Bank emergency fund loans have a higher loan limit. Loans of up to 5 million won are possible, and the process can be processed automatically without any documents. Even housewives or freelancers without employment or income information can easily borrow 5 million won. Loans are available only to customers who have opened a deposit/withdrawal account.
You can apply for an emergency fund loan from DGB Daegu Bank through the Finq app. As Daegu Bank is a first-tier financial institution, you can choose the contract method you want. Loans are available through lump sum repayment at maturity or through a negative bank account. The early repayment fee is 0 won. When reapplying for a loan, renewal may not be possible due to reasons such as changes in credit rating. You can easily apply via mobile phone 24 hours a day, 365 days a year.
Hana 1Q Emergency Loan is a loan provided by Hana Bank that allows you to borrow a small amount quickly and easily. Any Korean citizen over the age of 19 can borrow an emergency fund for up to 10 years with extension. Limit inquiry can be easily completed in 90 seconds. In the case of the negative bank account method, repayment is possible through lump sum repayment at maturity.
At DGB Daegu Bank, you can apply for an emergency fund loan, which is a simple loan. The principal can be repaid in equal monthly installments, and loans can be borrowed on an annual basis. The early repayment fee is 0 won, so you don’t have to worry about fees every time you make money. You can easily get a loan regardless of your occupation by simply verifying your mobile phone.
This is a speed loan, a type of credit loan from SBI Savings Bank. If you need a small loan, you can borrow a maximum loan limit of 5 million won without a guarantee, just like Cider Savings Bank. You can repay by equal installments of principal or interest, and a 2.0% early repayment fee may apply.
KB Savings Bank’s Kiwi Bank lends emergency funds through the Kiwi Emergency Loan to customers who meet the company’s personal credit evaluation standards, regardless of occupation and income. You can borrow up to 2 accounts up to a limit of 3 million won. You can easily get a loan because you don’t even need a joint certificate from a limit inquiry company.
Unemployed – emergency loan
Mokona News-Profile-Kim Chun-hwan-Reporter
