비상금 대출 거절Kakao Emergency Loan is a popular loan for emergency funds because college students and unemployed people can easily borrow money. However, certain people are rejected for Kakao Bank emergency fund loans.
Today, I will tell you about the typical reasons for rejection of Kakao Bank emergency fund loans and how to easily solve them with a smartphone for each reason.
Even if you read the content of this post properly, 90% of the reasons for Kakao Bank emergency loan rejection will be resolved.
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Dear friends, the reason for Kakao Bank emergency fund loan rejection and the clue to the solution lies in the loan conditions and the principles by which the loan is implemented. What is the principle behind loans being granted to college students and the unemployed?
If you meet the five conditions above, you can receive a Kakao emergency loan regardless of your occupation. The most important of the above conditions is the issuance of a Seoul Guarantee Insurance policy.
Why is the issuance of insurance policies important in Seoul Guarantee Insurance?
For a normal credit loan, the loan decision is made based on the loan applicant’s credit rating and score. However, college students or unemployed people with uncertain income or expenses have low or non-existent credit ratings.
Therefore, the Seoul Guarantee Insurance policy guarantees the credit rating of the loan applicant. In other words, if the loan applicant cannot repay the loan, the loan is issued on behalf of Seoul Guarantee Insurance.
Details can be found on the Kakao Bank website or through the customer center (1599-3333).
Ultimately, the reason most Kakao Bank emergency loans are rejected is because a Seoul Guarantee Insurance policy is not issued. The reasons why an insurance policy may not be issued are as follows:
Even if your credit rating is low, you can almost always get an emergency loan. However, if credit rating cannot be measured, Seoul Guarantee Insurance will not issue a guarantee policy. This leads to rejection of Kakao Bank emergency loan.
In general, if you have no history of using a credit or check card, it is impossible to measure your credit rating as above.
If you have a large number of existing loans in your name or a large loan amount, your credit rating will be affected. In Seoul Guarantee Insurance, you must determine whether the person you are guaranteeing has the ability to repay the loan.
If there are such a large number of loans or a large loan amount to repay, the repayment ability evaluation will naturally be poor.
Lastly, if there is a history of overdue loans. Not only loans and student loans, but also telecommunication bills are included in the loan history. If you have a history of loan repayment, it is judged that your ability to repay the loan is low, as above.
When Kakao Bank emergency fund loan rejection occurs, there is a very simple way to resolve each rejection reason.
This is a method that can be used when creditworthiness cannot be measured, such as the reason for rejection of Kakao Bank emergency fund loan number 1. There is a product called a telecommunication company emergency loan. The interest rate and limit are the same as regular emergency loans.
However, for emergency loans from telecommunication companies, repayment ability is evaluated using the telecommunication ratings provided by the three telecommunication companies. So, you can get a loan even if your credit rating is not possible. (However, budget phones cannot be loaned.)
The most representative loan from telecommunication companies is the Nonghyup All One Emergency Fund Loan.
Review of Nonghyup All-One Emergency Fund Loan (How to apply, How to resolve rejection)
Nonghyup All One Emergency Fund Loan is one of the loans that even unemployed people can easily receive through mobile devices. It is especially useful when you need to borrow money in a hurry because it does not require any additional documents. Today, Nonghyup All One Emergency Fund
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This method can be used when the number of existing loans or the loan amount is large. You can consolidate several existing loans into one low-to-medium interest loan. Here’s how to consolidate your refinancing loans:
The Finda app is an app that helps you find loan products that are optimized for your conditions without lowering your credit rating. It’s easy to use, so I recommend checking it out.
Among loan history, small loans have the greatest impact on credit rating decline. If you have overdue telecommunication bills, resolve it quickly. If you apply about 3 months after the date of settlement of your loan history, you will be able to receive a loan without rejection.
Kakao Bank emergency fund loan review: interest, conditions, repayment, refusal
Recently, I needed funds while subscribing to public offerings. I took out an emergency fund loan from Kakao because I wanted to use it for a short period of time. I was surprised to receive it sooner than expected. Today, Kakao Bank Emergency Fund Loan
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