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For housewives who have difficulty proving their income, it is generally more difficult to get a loan than for working people.
However, there are government-supported loans and 1st financial sector loan products that allow you to get a loan without proving your income by proving your spending power or by going through a separate process.
This article will explain in detail where it is easy for housewives to get a loan and where housewives can get a loan, focusing on government-supported loans and 1st financial sector loans. Please read through to the end and get help.
The main reason why housewives have difficulty getting a loan is because they cannot prove their income.
Most lending institutions require documents proving the income of the loan applicant and calculate the loan limit based on fixed income. In the case of housewives, they may have spending power but cannot prove their income, so it may be difficult to get a 1st financial sector loan.
However, recently, there has been a significant increase in non-face-to-face loans from 1st financial sectors that allow housewives who have difficulty proving their income to easily get a loan.
From now on, I will tell you about the 1st financial sector loans and government-supported loans that full-time housewives can apply for.
The emergency loan currently being implemented by the 1st financial sector is a non-face-to-face small loan product that allows loans without income verification.
If you can obtain a certificate of guarantee from Seoul Guarantee Insurance, you can quickly execute the loan by receiving the deposit on the same day after applying.
You can easily apply non-face-to-face on the 1st financial sector bank app, and you can check the availability, limit, and interest rate in real time.
If you are a full-time housewife who has difficulty proving income but has a good personal credit score, please look into emergency loans.
Go to the 1st financial sector emergency loan page
Full-time housewives who have difficulty proving income can also apply for government-supported loans if they meet certain requirements.
If you are a full-time housewife under the age of 34, it would be a good idea to consider using the government-supported loan product, Sunshine Loan Youth.
Sunshine Loan Youth is a government-supported system to support the youth, and is the most advantageous loan product for young people under the age of 34.
Even if you have no income or a slightly low personal credit score, you can get a loan with a high probability of getting approved if you meet the age requirement.
Check Sunshine Loan Youth for full-time housewives
If you are a full-time housewife who has difficulty proving your income and has a very low personal credit score, you can use the government-supported living expenses loan.
You can get a loan approval for the government-supported living expenses loan even if you have no income or insufficient repayment ability.
It is the loan product with the easiest loan approval among both commercial bank loans and government-supported loans, because it is a loan product created by the government to support the working class.
The low limit is a disadvantage, but the loan approval rate is high and you can receive the deposit on the same day, so if you are a full-time housewife with a low personal credit score, I recommend you consider using the living expenses loan.
Go to the full-time housewife living expenses loan
If you have difficulty proving your income and are having difficulty finding a loan that is right for you, please use the customized loan service of the Small and Medium Business Administration.
The customized loan service is a platform that compares the interest rates and limits of loan products that you can apply for with one inquiry, and its characteristic is that you can find the loan product that is most advantageous to you with just one inquiry.
If you apply for a loan through the customized loan service, there are additional interest discount benefits, so if you want to find a loan product that is right for you, please use it.
Go to the Small and Medium Business Administration customized loan
