In my last post, I recalculated the interest rate while receiving a credit loan extension.
Since many people seem to be curious, let’s take a look at what documents you brought when you extended your credit loan and how the interest rate was calculated.
※ Please refer to the link below for the previous article!!! 국민은행 빠른조회
KB Kookmin Bank, recalculation of interest rates on credit loans (22.06.22)
The credit loan (one year) that I canceled and renewed before I went to China last year was about to expire, so I renewed it like this. Choi…
Preparatory documents for credit loan extension 이베이스매뉴얼
In fact, you can proceed with the paperwork without any problems if you take it with you, similar to getting a credit loan for the first time.
1. ID
– Proof of identity, such as resident registration card, driver’s license, or passport
2. Certificate of employment
– Documents proving that you are working for the company, usually 3 months after joining the company? I know that it takes more than 6 months for the document review to take place.
– In my case, since it was a loan approved by the headquarters group, it seemed that company certification was necessary (Isn’t it?
3. Withholding tax receipt (payroll document)
– Visited with a withholding tax receipt for the past 3 years.
– Actually, when I first got a credit loan, I submitted the last three years, so I thought it would be okay to submit only the last year, but just in case, I took it all away.
4. A copy of resident registration, etc.
– I don’t know if it’s necessary, but I took it and took it.
Loan information (KB Kookmin Bank)
There is virtually no content whatsoever.
The term is extended for a loan of 50 million won (new amount).
However, since I am a headquarters-approved group credit loan, it seems to be slightly different from a normal credit loan.
– No, but this headquarters-approved group credit loan cannot be extended through the app or online, so I visited the branch, so I hope others will refer to it as well.
The position and details seem to be treated the same for all employees who have been with them for more than 3 years.
Loan base rate, additional interest rate, etc. + information and preferential interest rates
Ah… it’s difficult from now on.
I have no idea what I’m talking about because I’m a financial ignorant. It’s not that far… They don’t give the calculation method intuitively, so I think these guys need to be a little more alert. So, I’m going to re-arrange it and try again.
If you try to solve the basic information with the difference (actually, you do not know well even if you do not solve it)
It can be seen that the base rate rose by about 2.06%.
The additional interest rate remained unchanged, and the headquarters-approved rate was -0.3%.
by the way,
The existing fixed interest rate is the base rate of 1.17% + 1.8%,
The recalculation is the base rate of 3.23 + 2.1%, how was this calculated!!??
First of all, the benefits of the preferential interest rate do not change before or after.
So, I just rolled the jjanggu and got this calculated value.
The value added to the base rate is
Additional interest rate (A) – Headquarters approved interest rate (B) – Preferential interest rate (C) = D (Real additional interest rate)
The headquarters-approved interest rate seems to work like a preferential interest rate because it is a headquarters-approved loan.
(No, but why did the headquarters-approved interest rate -0.3%… ㅠㅠ In the end, the 0.3% interest rate was added.)
So I finally did the math again…
The following results were obtained.
Finally, the difference
Based on the loan extension in June, the base rate of KB Kookmin Bank’s credit loan (collective headquarters approval) rose by 2.06%.
I do not know whether the headquarters-approved interest rate is different for KB Kookmin Bank as a whole or for each branch, but the benefit decreased by 0.3% (up 0.3%).
※ For those who extend their loans in July, the ‘base rate’ part may increase further because the Bank of Korea (Bank of Korea) raised the base rate (big step, 0.5%)!
What’s the conclusion?
My credit loan interest rate was 5.33%, so the interest burden increased…
With monthly dividends, the monthly loan interest is sufficient.
The interest rate is higher than the dividend rate…
Assuming that the stock price does not fluctuate, it is more profitable to pay off a loan than to buy the stock…
I’ll just have to pay it back little by little from now on.