카카오뱅크 햇살론 15 조건“Can I apply for Kakao Bank’s Sunshine Loan 15 without a face-to-face meeting?”
In conclusion, you can apply for both Kakao Bank’s Sunshine Loan 15 special guarantee and general guarantee without a face-to-face meeting. The key is that when you check your credit loan at Kakao Bank, it automatically checks your qualifications and asks whether you want to apply for Sunshine Loan 15. You can apply at that time. I have summarized the application method and precautions.
“Please don’t give the loan broker a commission of 1 million won or 500,000 won like this, but visit the Small Business Finance Promotion Agency center!”
Government-supported products
Handling locations
Sunshine Loan 15 / Sunshine Loan Bank / Sunshine Loan Youth / Special guarantee for those with the lowest credit rating / Small-sum living expenses loan / New Hope Holsi
Sunshine Loan Promotion Agency (commercial bank)
Business owner, worker Sunshine Loan
Second-tier financial sector
(Savings bank)
Sunshine Loan 15 is done at a first-tier financial general bank. You don’t need a broker. You can apply through the Seogeumwon app, or if that’s difficult, you can visit the center and receive the money. “Be sure to check the center near you.”
Sunshine Loan 15
General Guarantee
Sunshine Loan 15
Special Guarantee
Target
Conditions
Bottom 20% of credit score
Annual income 45 million won or less
Annual income 35 million won or less Credit score irrelevant
Employment period 3 months or more
Those who received monthly salary 3 times
Health insurance premium payment 3 times or more
Same
Same
Same
Employment period less than 3 months
Those who receive monthly salary in cash (daily wage)
In case of difficulty in proving income
Limit
Up to 20 million won
Same
Interest rate
(Interest)
15.9% per annum (including guarantee fee, single interest rate)
Same
Period
Repayment period 3 years or 5 years
Same
Repayment
Method
Equal installment repayment of principal and interest
Same
Application
Method
Korea Income Promotion Agency app > Sunshine Loan 15 > Select bank > Apply on bank app
Korea Income Promotion Agency app > Sunshine Loan 15 > Special Guarantee > Guarantee Availability Survey > Select Loan Bank > Application
Rejection
Reason
If there is a large difference in health insurance premium payment (last 3 months)
Health insurance premium overdue, non-payment (last 3 months)
If there is a record of safety net loan, change dream loan, and Haetsal Loan 17 in the past when rehabilitating, recovering, or going bankrupt
Same
Handling
Banks
KB Kookmin, Shinhan, Woori, IBK Industrial, Hana, Nonghyup, Suhyup, Gyeongnam, Gwangju, Daegu, Busan, Jeonbuk, Jeju, SC First, Kakao Bank
Same
If you look at it like this, it may seem too complicated and difficult. Just think, “Oh, Haetsal Loan 15 is like this,” and move on. In fact, it will be very basic information for those who have applied.
Download the Small and Medium Business Administration app and click Haetsal Loan 15 on the home screen. Then, click [Apply].
You must register as a member. Even if you visit the center because it is annoying, you have to do it again there. Agree to the terms and conditions, verify your identity, and proceed with registration. (Detailed explanation omitted)
After signing up for the Small and Medium Finance Promotion Agency, select Kakao Bank. At this time, you must have a Kakao Bank app and account. Click on Loan Credit Loan/Medium Credit Loan Loan in the menu.
When applying for a Kakao Bank credit loan, the Sunshine Loan 15 application field can be automatically selected. If you apply through the app, the agreement will now be sent to you via text message/KakaoTalk. After writing the agreement, you will receive a guarantee (guarantee number), and finally, if you apply again through Kakao Bank, the loan will be executed in 1 minute.
It may seem complicated, but it will not be difficult if you follow it. However, depending on your qualifications, income, credit, etc., you may be asked to “visit the center.” Then, go to the nearest center.
I will explain from after signing up for the Small and Medium Finance Promotion Agency app. (Refer to the general guarantee application method above for the previous content.) Now, select the special guarantee at the top and click Go to Apply.
After that, fill in the source of income, health insurance, national pension subscription, and date of employment at your current company to check whether you are eligible for support.
When the survey is completed, you will be given your loan eligibility. After that, enter the loan repayment period, lending bank, and your personal information and verify your mobile phone. You can set the lending bank to Kakao Bank.
After checking the loan amount, complete the application. Usually, the next day, when the contract text arrives, fill it out and immediately receive the guarantee (guarantee number text message), and finally go to the Kakao Bank app.
Click Kakao Bank Menu > Loan > Credit Loan/Medium Credit Loan > Check My Limit. Since the guarantee and application information are already in the computer system, you can proceed quickly. Now, the loan is executed at the same time as the application.
Usually, the general guarantee limit for Haetsal Loan 15 at other banks is 20 million won. However, you should be aware that Kakao Bank’s special guarantee is 20 million won, but the general guarantee is up to 7 million won.
There are many cases where Haetsal Loan 15 applications were rejected. It will vary depending on your conditions, but it is important to know many cases. In particular, there are many cases where loans were received by changing branches or banks.
Please refer to the above article. Comment
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