우리카드 올인원대출In conclusion, it is possible. When I applied when I was unemployed, I got a small limit. For reference, my credit rating at the time was level 2. However, I was different from the typical unemployed people such as college students, job seekers, and housewives. I had no income, but I had a high credit rating and a steady credit card usage history. In addition, I did not have any outstanding loans.
Considering that it was possible to get a loan with a small limit even under these conditions, it means that college students, job seekers, housewives, and other people who have never used credit may not get a limit. Of course, the loan approval and limit may vary depending on the case, but I don’t think it is a loan that most unemployed people can get approved for. However, as I just said, since it is a case, the surest way is to apply for a loan.
Woori Card All-in-One Loan
The conditions are very simple and the hurdles are low. If you are an individual/domestic citizen over 25 years old, you can get a loan. However, please note that setting such simple conditions means looking at your credit rating and usage history.
There are many reasons for rejection for Woori Card All-in-One Loans. The reasons for rejection are as follows:
1. If you are a man, you are more likely to be rejected if you have not completed your military service.
2. If you have a lot of previous loans, you are more likely to be rejected.
3. If your credit rating is low, you are more likely to be rejected.
4. If you have no income and no credit card usage history, you are more likely to be rejected.
5. If you have a history of using loan companies, you are more likely to be rejected.
6. If you have a history of overdue utility bills, previous loans, or credit card payments, you are more likely to be rejected.
The lowest interest rate is in the single digits, but if you are unemployed, most of the time the interest rate is in the double digits. If the lowest interest rate is set, you may want to consider other first-tier financial institution credit loans. Also, you can unconditionally apply for a lower interest rate for loans based on credit. Please note that you can apply after 6 months from the loan contract.
There are two repayment methods: lump sum repayment at maturity or equal installment repayment of principal and interest. The equal installment repayment of principal and interest can be applied with a grace period. For reference, the lowest total interest cost is equal installment repayment of principal and interest. However, please note that the principal and interest repayment amount that must be paid every month is much more burdensome.
You can borrow from a minimum of 3 million won to a maximum of 50 million won. Although the conditions are low, the minimum and maximum loan amounts are high. However, the important thing is that it is not easy to borrow up to the maximum limit. Therefore, do not be disappointed if the limit is too low.
You can choose a loan period of 6, 12, 18, 24, or 36 months. For reference, 36 months is only provided to individuals who are eligible according to Woori Card’s internal standards. Please note this and proceed with the loan.
Woori Card All-in-One Loan does not require any documents. In addition, unlike other card company loans, you do not need to have a credit card. However, if you have a consistent card usage history, there are many plus factors. And I think that a certain level of usage history is necessary to get approved without a problem if you are unemployed.
There are no fees incurred when borrowing, such as early repayment fees and handling fees. There are more loans without early repayment fees than you might think, so it is difficult to see it as a big advantage. And since the maximum loan amount is 50 million won, even if you borrow up to the maximum limit, there is no stamp duty.
You can apply on the Woori Card website or mobile app. As mentioned earlier, there is no need to prepare separate documents or visit.
Please note that the above article is based on the time of posting. In other words, the loan content may differ depending on the time. Therefore, even if you have read the above content carefully, please go to the Woori Card all-in-one loan page and read it carefully.
