If you are looking for a loan from the Credit Counseling and Restoration Committee, it may be helpful to find out the terms and conditions of applying for a loan and how to apply. So this time, the Credit Counseling and Recovery Committee will find out the application conditions, loan limits, and application methods for a loan called a small non-face-to-face simple loan. 신용회복위원회 소액대출
Credit Recovery Commission Loan Small non-face-to-face simple loans?
First of all, I will briefly tell you about small, non-face-to-face simple loans among the Credit Recovery Committee loans. In addition to small, non-face-to-face simple loans, the Credit Recovery Committee has a small loan for sincere patients.
The Credit Recovery Committee directly supports those who need emergency funds such as living stabilization funds, student funds, and operating funds for those who are faithfully repaying them after receiving donations from financial companies, general companies, individuals, and organizations.
In the case of small loans for sincere patients, it is a system that allows you to easily apply for emergency living stabilization funds of up to 5 million won on your PC or mobile without visiting the branch.
Conditions for applying for a small non-face-to-face loan
The conditions for applying for a small non-face-to-face loan from the Credit Counseling and Recovery Service are those who have been faithfully repaying their debts for more than six months without unpaid payments or have completed debt adjustment repayment within the last three years. If it costs a little more money, such as a deposit for monthly rent or marriage funds, please contact the customer center and ask for the necessary supporting documents after consultation, bring the documents with you and make a reservation at the nearest branch office for consultation.
In addition, it is better to find out and check the reasons why the loan may be rejected regarding small non-face-to-face loans, but first of all, if you don’t have enough income to repay the loan or if you have income, you may be rejected during the loan review.
Those who have overdue information listed in their personal credit transactions may also have difficulty in lending. Also, please note that loans may be restricted for those who have excessive new loans or have a lot of assets after debt adjustment.
Limit of application for small non-face-to-face loans and interest rates
As the name of the loan product suggests, it is a small non-face-to-face loan that is intended for urgent use of living funds, so the application amount is not very large. You can apply up to 5 million won, but you can usually apply up to 3 million won in the first session, but there may be individual differences depending on the amount of small loans by the Credit Recovery Committee and the debt-adjusted repayment period.
And the loan interest rate is available at a low interest rate of less than 4% per year, so if you need small funds, please check it first if you meet the application conditions for the product.
Small non-face-to-face loan period and repayment method
The loan application period can be used for up to three years, and the repayment method applies an equal installment repayment method of principal and interest that can reduce the burden of repayment of principal at maturity by repaying the principal and interest together monthly.
How to apply for a small non-face-to-face loan
From now on, I will tell you how to apply. You can apply on your PC or mobile, so you need to have a mobile phone under your name for identity verification.
1. If you apply for it on your PC
If you apply for a PC, search the website of the Credit Counseling and Recovery Service, access the site, and use the microcredit section at the top to go to the non-face-to-face microcredit page. And click Apply at the bottom and follow the procedure. If you use the link below, you can go directly to the website of the Credit Counseling and Recovery Service, so please refer to it.
Shortcut to the website of the Credit Counseling and Recovery Service
2. If you apply via mobile
If you apply via mobile, you must first install the Credit Counseling and Recovery Service mobile application before proceeding. If you want to apply, please refer to the video below.
Precautions for Loans
▶ In order to apply for a non-face-to-face simple loan, a joint certificate is required.
▶ Non-face-to-face simple loans do not require separate document submission. However, since document-related verification is carried out through scraping technology, you must be registered as a member on the government 24 site in advance.
Shortcut to the Government 24 website
▶ For additional information, contact the Credit Recovery Commission consultation number ☎ 1600-5500 for more information.
Q&A Frequently asked questions
Q. How long will it take from the application to the loan?
A. It will take 1 to 5 business days. (However, the period may increase if additional documents are requested.)
Q. What should I do if the loan repayment date is a public holiday?
A. If the loan repayment date is a public holiday or Saturday, you can repay it on the business day.
Q. I’m using a small loan before, so is it possible to make an additional loan?
A. It’s possible, but you can apply after at least 6 months of the existing loan execution date.
Q. Do I have to apply for a loan myself?
A. You have to visit the branch in person and apply. If it is difficult to visit, you can simply authenticate it through a PC or mobile app before proceeding.