케이뱅크 신용대출플러스 자격조건K Bank offers a variety of benefits and events as it falls behind other internet-only banks such as Kakao and Toss. We put a lot of effort into attracting new customers, so it will be more useful if you are a new subscriber.
K Bank credit loans can be divided into regular and plus. In the general case, as the word suggests, customers with average credit scores are eligible. However, the Plus product is available to people with medium/low credit.
Eligible applicants are Koreans who have worked for more than 6 months and have an annual income of 20 million won or more. At this time, you must provide proof that you are a wage earner enrolled in National Health Insurance.
Please note that for some customers, loans are available even if the period of employment is less than 6 months.
It can only be used by customers with medium or low credit who meet K-Bank’s internal screening standards as a minimum requirement. If your credit score is below the bottom 50% of the KCB credit rating, you can proceed with this product.
However, if your personal credit score is in the top 50%, check out general credit products rather than plus.
This product has a minimum annual interest rate of 5.05% and a maximum annual interest rate of 15.00%. Loan interest rates are applied differently depending on credit score and loan period. The longer the period of use, the less the monthly payment burden, but the higher the total loan interest.
K-BANK Credit Loan Plus allows you to borrow up to 300 million won. It is a place where you can get a loan, but it is impossible to easily reach the maximum limit. Usually, the loan limit can be up to 200% of your annual income.
Even if you receive a maximum of 200%, the final decision is made after considering your credit score and existing debt situation.
Borrowing more money than necessary can lead to difficulties such as monthly payments, repayment interest, and access to additional loans. Therefore, make a thorough financial plan before proceeding.
The period of use for this product is up to 10 years. There are differences depending on the repayment method.
K Bank Credit Plus is a product that is exempt from early repayment fees. Therefore, there are no other preferential benefits. There is no fee for early repayment, which means you can repay the principal at any time.
If you repay the principal little by little in advance when you can afford it, the final interest payment will be reduced, so it is a good idea to do so.
There is no handling fee, but if the loan amount exceeds 50 million won, the bank and the bank must each pay 50% of the stamp duty according to the Stamp Duty Act. Please note this.
The overdue interest rate is 3.00% per annum added to the loan interest rate at the time of contract. However, the maximum delinquent interest rate does not exceed 15.00% per annum.
You can apply for K-BANK Credit Plus by downloading the K-Bank app.
👇Click the button below to learn more
Apply for K Bank Credit Loan Plus (Credit/Emergency Fund)
In Korea, the Korea Inclusive Finance Agency, an organization under the Financial Services Commission, operates financial products to support the common people.
Therefore, if you need a maximum amount of less than 20 million won, you can use products such as Sunshine Loan, Sunshine Loan 15 special guarantee, and lowest credit borrower special guarantee at the Microfinance Integration Support Center or Mutual Savings Bank.
Loan method at the Microfinance Integration Support Center (Seoul, Gyeonggi-do) / Phishing and precautions
Loan, negative bank account, emergency fund loan, people with medium/low credit, K Bank
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