대환대출 온라인 플랫폼At 9:00 am on May 31, 2023, the ‘online one-stop loan exchange service’, which had been a hot topic even before its launch, finally took its first step. In short, ‘online one-stop refinancing loan infrastructure (service)’ is ‘a system that helps users to exchange existing credit loans with more favorable conditions using a smartphone’. This infrastructure will return significant benefits to financial consumers.
First of all, you can easily view your existing credit loan information at a glance, and you can easily switch to a lower interest rate. All of these tasks can be conveniently done with a smartphone at home, at work, or in transportation.
In addition, this infrastructure allows you to check the real-time interest rate change according to the selection and cancellation of the preferential interest rate when transferring to a loan with better conditions, or to easily determine which product is best to move to by comparing prepayment fees, etc. let it be Since all information is disclosed to financial consumers in detail, competition among financial companies will be triggered, products with better conditions than now will be released, and loan interest rates will naturally be lowered.
As of May 31, loan transfer is available on 7 platforms and 53 financial institutions. Almost all fintech apps and financial companies are participating.
I have a loan product, so I decided to try changing loans using several apps (Kakao Bank, K Bank, Pinda, Toss Bank).
In some cases, it was necessary to update the app in line with the establishment of this infrastructure. If you click on the “loan” item for each app, a list such as transfer to a loan exchange is conspicuously placed.
It was impressive that Kakao Bank minimized text and used a lot of graphics and photos to improve readability. For your information, you can apply for a refinancing loan from 9:00 a.m. to 4:00 p.m. during bank business hours. I tried it during business hours, but was informed that all of the refinancing loans prepared today were exhausted. Since it is the first day that attracts the most attention, it seems that a large number of consumers who want to inquire and use it have gathered.
In the case of K-Bank, a loan transfer service was also placed at the front. After checking the purpose of the loan, repayment method, holding assets, credit score, etc., the documents were safely and safely brought to Public My Data.
In Pinda, which is in the limelight as a loan comparison platform, as soon as you start the app, ‘transfer loan’ appears in the form of a pop-up. After looking up the products I was borrowing from, I was able to select the loan account I wanted to borrow and apply for a refinancing loan.
In the case of Toss Bank, the application deadline is displayed at the top of the app, and an event is held to give Toss points if a lower interest rate is not found.
I tried refinancing loans in various apps like this, but I couldn’t switch to another financial product I wanted. There are probably many people who are in the same situation as me, but I think it is more important to try to access this infrastructure and look up to lower interest rates.
The financial authorities laid a very good board. We just need to make more and more active use of this wonderful infrastructure. If you faithfully repay the principal and interest of the existing loan products and your credit score goes up, you will be able to refinance loans with favorable conditions. Of course, efforts by financial authorities and financial companies to ease the transfer conditions are also important.
According to the Financial Services Commission, about 47.4 billion won of loan assets were actually transferred through a total of 1,819 loan transfers between financial companies through the refinancing loan infrastructure by 4:00 pm on the first day of the infrastructure start. Inter-bank loan transfers accounted for 90% of the total.
Several cases of interest rate cuts were also found. There was a case where the interest rate of 15 million won for a limit loan of 15 million won and 9.9% was lowered to 5.7%, and there was also a case in which the interest burden was drastically reduced by switching from a general credit loan of 80 million won and 15.2% to a bank loan product with a high interest rate of 4.7%. did.
On the other hand, please remember that in this infrastructure, among the existing loans of less than 1 billion won received from 53 financial companies, only credit loans without guarantees and collateral, such as office worker loans and negative bankbooks, can be transferred. However, it is said that emergency fund loans from Internet-only banks (Kakao, K-Bank, Toss Bank) cannot be transferred because they have SGI guarantees. This part is a bit disappointing.
For reference, card loans (long-term card loans) are expected to be able to view and transfer all card loans from July 1st, and just checking the loan conditions on the platform will not put you at a disadvantage to your credit score, so you can safely and actively Please check it out.
An online one-stop refinancing loan infrastructure that will bring about a new change in the loan market! It is hoped that meticulous monitoring by the financial authorities and goodwill competition between financial companies will be conducted correctly and soundly so that people living in an era of high interest rates can take a little less stress from the interest burden.
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