케이뱅크 마이너스 통장K Bank will provide the first month’s interest to customers who are receiving emergency loans for the first time. The target is customers who are receiving emergency loans for the first time by February 22nd and have paid the first month’s interest normally. K Bank will refund the first month’s interest to the emergency loan account on the business day after the customer pays the first month’s interest.
However, customers who have not paid the interest or have repaid the loan in full before paying the first month’s interest are excluded. The period may end early depending on the situation.
The emergency loan has a lower limit of 3 million won compared to a credit loan (overdraft account), but it is a product with a lower loan threshold. If you are an adult (19 years of age or older), you can receive a loan if you can issue an insurance policy from SGI Seoul Guarantee Insurance without any separate income or employment conditions. You can apply in less than a minute with biometric authentication or a simple password without having to submit the documents yourself.
Like an overdraft account, you can freely deposit and withdraw money with an emergency loan within the limit, and you only have to pay interest on the loan amount every month. The interest rate is 5.63% per annum as of the 25th, and the loan period is 1 year with an annual extension of up to 5 years. There is no separate early repayment fee.
A K Bank official said, “Emergency loans are a product that allows customers who need small amounts of money in a hurry to easily and conveniently receive loans,” and added, “We will continue to provide various benefits for mutual finance, such as reducing customer interest burdens and expanding mid- and low-credit loans.”
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