If you have an annual income of around 21 million won and you can only borrow 5 million won in cash, how would you handle it if you need 10 million won in a hurry? Or, what would you do if you have about 90 million won of loan to repay, but you are faced with financial problems and cannot repay it? Just thinking about it may sound overwhelming, but that doesn’t mean it’s an insurmountable challenge. Urgent cash can be brought 국민은행 마이너스통장 through the financial sector, and loans with unaffordable conditions can be dealt with through a rehabilitation application. However, there is a sufficient condition that you should know all of this about financial information, so I will teach you about these economic information so that you can make decisions flexibly according to your conditions.
We will provide you with the essential information in an easy-to-understand manner. 이베이스매뉴얼
For those who are curious about Kookmin Bank’s negative bankbook
In the case of the difference between the first financial sector, which refers to banks, and the second financial sector, which includes other savings banks and capitals, it is usually confirmed in the interest rate, but it cannot be judged that it will be entirely useful just because the interest rate is low. The first financial institution can get a loan at an interest rate of 4.02%, so the payment amount is reduced a lot, but it may be difficult to borrow a large amount because the limit is not high at 50% of income. This is about 9.89%, but the limit is more than three times that of one financial sector. In addition, since the examination result is determined according to the credit conditions of the applicant, first, the product is decided in consideration of the purpose of use of the loan funds, and then, the interest rate and the maximum amount are decided, and the focus is on dealing with the immediate problem. You must take advantage of the loan.
You can find unfamiliar loan products
Kookmin Bank’s negative passbook will be summarized!
However, there are policy products for people who do not have easy access to general loans and lack the ability to repay because they have a low credit score and lack of cash. These products can be repaid within 3 to 6 years at a low interest rate of 8.90% or less, and they can be used safely even if the user’s conditions are not good.
You also need to understand the balance between finance and finance.
Kookmin Bank’s negative bank account is summarized
As the times change and the types of income other than salaries diversify, we will also point out the know-how related to financial technology, which is trending among young people. First of all, Real Estate Finance wants to inform people about mortgages who know they may need to raise a lot of spare money. The limit of the mortgage loan is determined by the official land price and LTV and DTI of the real estate collateral, not your economic conditions, so even if you have poor credit conditions, you can easily get it according to the regulations if you can put a small down payment, but with the strengthening of current real estate regulations and By lowering the limit, you have to study carefully so that you can use it to your advantage. This means that if you study complex knowledge clearly, you can enter into housing investment with only 19 million won. In addition, if you use the 2nd Financial Savings Bank from the stock exchange, you can receive the loan within 2 weeks at an interest rate of 4.30% as stock collateral, so it will be useful to know the above loan.
Invest an hour at a time and study.
Information on Kookmin Bank minus passbook
In this way, the bank can be used to provide for living expenses, or sometimes it is used to gain income and to preempt economic freedom. You can profit just by jumping through the situation of the market economy, and you can start by taking a slightly more advanced position by borrowing large amounts of money at an interest rate as low as 4.40%. Of course, this is possible only on the premise that you have studied the economic ecosystem. Therefore, whenever you have time, I hope you will develop your ability to understand objective market conditions through numerous mediators, make judgments based on judgment standards, and use rational financial products in a much more rational way.
increasingly intelligent
The old Korean-Chinese dialect cannot exist.
Speaks perfect standard language.
First of all, there was no financial damage to me.
How to fall for voice phishing
want to share
Originally, I was always ignoring loan text messages or phone calls, but I had to get a loan for personal reasons, so I applied for a credit loan with Kookmin Bank face-to-face.
Then, did you come from Kookmin Bank after looking at the text written on Kookmin Bank Loan? If you do not have any doubts and want counseling, you are told to send number 1, so I sent number 1 (from here I am going into the voice phishing graveyard).
I usually wonder who gets voice phishing instead, but I got a text message while looking for a credit loan with Kookmin Bank and fell into a swamp.
Five minutes after sending the text number 1? I got a call saying that I am Kim 00, a loan consultant at Kookmin Bank, but he said he couldn’t make a call because he was in the subway, so he smiled and asked me to send him a message asking me to call him through Kakao Talk at a time convenient for me. I’m scared of how to get it, I’m scared…)
Now that I think about it, KakaoTalk…ha…I’m not even a person without doubts, but when I think about it after lending counseling through KakaoTalk…it’s really ridiculous.
Through Kakao Talk, ‘I am Deputy Representative Kim 00 of Kookmin Bank. You can send me a Kakao Talk here.’ So when I got home, I sent ‘I can call you.’ When I got the call, the first word is “Customer, I saw the chat late because I was consulting with another customer, and now I’m calling.” Never speak hastily, never act hastily. It is equipped with the mind of a loan counselor who says that the borrower is in a hurry and we are in a hurry.
I started counseling for loans, and after consulting (very professional), I was told that up to 80 million won with a negative account of Kookmin Bank is possible. I have opened a negative account in the past, but when I make a phone call, even though I know that it was only possible through face-to-face, I get over it.
After consulting for a long time, they are asked to fill out simple personal information to the address sent to KakaoTalk to determine whether a loan is possible. I clicked on the address you sent me without any doubt. Your name, social security number, annual salary, and loan amount are written down. If the password for the card number or account number had been written down, you would have noticed it even in the middle, but I did not suspect it here as I was writing very simple information. How well I did what I was told…I feel so pathetic.
When I click on that address on my phone, a malicious app is installed, all calls I make can be picked up by voice phishing, and the phone number I receive can be manipulated at will. Not only that, it is said that all contacts and text messages stored on my phone will be transferred. The second and third additional crimes are being carried out against those who are stored in the victim’s contact information.
Deputy Kim hung up the phone saying that he would check the loan interest and credit score with the credit information submitted first.
After 30 minutes, I get a phone call and the interest on the loan is about 3.3%, but the credit inquiry department of Kookmin Bank (I can’t remember the exact department name) says that they will call me after inquiry. It is said to take 1 to 2 hours.
Exactly one and a half hours later, the call came to Kookmin Bank’s representative number 1588-9999. It’s a little older woman’s voice. She is professional with this girl too. The loan interest rate is 3.16%, but they say that the score is just 32 points short. If the score is more than 100 points, personal information is shredded and the phone is not made, but the 32 point difference is a disappointing score. do.
Just 10 minutes later, Deputy Kim 00 received a phone call. She said, “Customer, I also received a call and I was told that 32 points were not enough. However, the interest rate is lower than what I inquired.” While doing this, she offers to show you two ways to increase your score.
The first method is to raise your credit score by depositing savings for 6 months, and the second method is to receive a long-term loan card loan from another bank to improve your financial performance. Who would choose the method of receiving a six-month savings account for a person who wants to get a loan? Most of the time, it can be said that it is a setting using the psychology of choosing the second method.
Deputy 00 Kim informs in advance that the second method is illegal, so if you go to the relevant credit card company, you will probably want to check whether they are accepting card loans to increase your credit score, but you should say no. The interest will be around 12%, but they say that you don’t have to worry about it because you will deposit the amount immediately after calling the credit card company. When I call a credit card company to apply for a long-term loan card loan, the call is cut off and a window appears on my phone. This is the website of the credit card company. This is also being manipulated by voice phishing. Anyway, I was drawn to something and applied for a credit card loan that I had never received in my life. The amount is 12,000,000 won. By the time I applied, it was almost 6 o’clock. Deputy 00 Kim said that he would call me in the morning tomorrow as banking business is over today. I hung up saying I was going to tell you what to do next, and two hours later I got a text saying that the 12 million won I received from my credit card loan had been deposited into my account, so I went to Kookmin Bank to confirm, but a warning message appeared saying that a malicious app was installed!
Explaining this now is to voice phishing
Worried about providing other information
But I also use the same method written on the blog.
Thanks to the article, I realized it was voice phishing
Because there was no money loss.
to prevent harm to others
Upload the article.