Today is sad news that has recently appeared in the news.
Negative passbooks at all 4 major banks
The loan limit has been lowered to Rs.
Very sad news.
The limit of matong, the breath of an office worker 국민은행 마이너스통장
At the news of the decrease, many workers
I hear a heartbreaking sound.
Shinhan Bank, Kakao Bank, Kookmin Bank, 이베이스매뉴얼
Our bank reduced it to 5,000.
Fortunately, the Nonghyup that I am using is
I’m limiting it to 1 billion.
Also, in this case, the farmer who grew up in the countryside
As a son, I feel a little happy.
Got K-Bank up to 150 million won
Tongkeun negative bankbook is still possible.
However, along with this issue, interest rate hikes
I have another heartbreaking issue
100 million negative bankbook loan accounts
I wonder if it will remain.
Interest rate hikes start with stocks
It makes a lot of things difficult.
My main bank is Nonghyup
Kookmin Bank also uses it a lot.
So, according to Kookmin Bank
Let me tell you.
KB is for employees who have been in service for more than 1 year.
If your credit rating is between 1 and 4,
Up to 100 million won and interest rates ranging from 2.36 to 4.74%
It wasn’t a bad rate.
But now it can be up to 5 million won.
If you are an existing customer
Up to 1 billion is possible. Another limiting factor is
Limit the credit loan to within the annual income
I threw it away.
Subject to issuance of negative passbook
There are various conditions.
Occupational groups of the iron rice bowl series are always
Loans are good.
This includes teachers, civil servants, and military personnel.
In addition, the tenure of service is more than 3 months
High-quality workers or over 6 months
Negative bankbooks for general office workers
You can open
another word for maton
This is called an automatic general bankbook loan.
Now you can only get up to 5 million won.
My heart hurts a lot more than in the past
There are two types of automatic general passbook products.
You can choose.
normal limit trading and
There is a method of increasing or decreasing the contract limit.
Trade products that are right for you
Choosing well is the key to financial success
That’s a long way to go.
There are not as many application documents as you might think.
Any ID card that anyone has
If you have a driver’s license or passport
and additional employment confirmation documents are required.
Whether you have a job or not
This is important when taking out a loan.
In addition
In addition, your income
As proof of income
‘Receipt of withholding tax on earned income’
You can bring it with you.
My circumstances are very good.
If you get a preferential rate, it will be even lower.
But if you exclude that, 3.16~4.16%
It seems to be the usual interest rate.
If you can open a negative account
It is usually a 12-month (1 year) financial bond.
There are various ways in which preferential interest rates are applied.
So, if you are in that
Please actively seek out.
In capitalism, what is as important as seed money is
So, you have to save and save a little.
It saves time in raising seed money.
When you want your interest rate to be a little too high
Please apply for a right to request a rate cut.
When making a loan, the purpose of use is one of the most important factors to consider when choosing a loan product. You need to understand the benefits well so that you can create cash flows from negatives and use them deliberately.
Kookmin Bank KB As I wish, the loan period for negative bankbooks is one year, and the repayment method is a lump sum repayment. Kookmin Bank’s negative bankbook loan product The advantage of negative bankbook is that it can be used freely or whenever necessary within the initial loan contract amount.
For those who want to manage the loan like a cash asset, it may be useful to get a negative bankbook loan, and it has the advantage of paying interest only for the period of use of the loan amount. It is the same as the negative bankbook you are familiar with, and you can use it up to a maximum of 100 million won.
To those who do not know the concept of a negative passbook, it is a product that uses the required amount and refills it in a way of freely depositing and withdrawing from a passbook with a certain limit.
In some cases, it is used as an emergency fund because interest does not accrue unless it is actually retrieved from the passbook to which the initial limit is granted, and interest is charged only on the amount actually withdrawn or transferred.
You must prove that you have worked at your current employer for at least one year, and those who have received Kookmin Bank’s credit rating (CSS) ratings 1 to 4 can apply. As mentioned above, the period of use is 1 year, but it can be extended up to 10 years.
When using the product, interest does not accrue if you do not find money, and interest accrues after you find it. Since you can take it out at any time, it can lead to aggravation of debt, so please use it carefully according to your purpose.
When calculated based on the first grade of credit rating, the lowest interest rate is calculated as 2.88% to the highest interest rate 5.14% per annum. Please note.
Please note that it varies depending on when the credit rating is at the highest credit rating, when repayment is made mid-term rather than a fixed interest rate without conditions, or when the product period is extended. Individual differences may be applied by combining the applicant’s credit rating, annual income, and repayment capacity.
When deciding on a loan, be sure to make a sober assessment of whether your income and repayment ability are sufficient before making a decision.
As the coronavirus continues, many self-employed
Small business owners are facing great difficulties.
Of course, workers are no exception.
For ordinary people in need, the first thing to do is to open a negative bankbook.
It is also a product that you should know well because it is used and so popular.
Once opened, interest is not paid immediately.
You have to take it out of your bank account and use it to get out of interest.
There’s nothing like saving interest rates.
This time, Kookmin Bank negative passbook issuance targets and
We will check the document requirements and procedures.
▼Learn more
Kookmin Bank Minus Passbook Document Conditions Application Method Summary
What we will learn today are the conditions for a negative passbook at Kookmin Bank and document procedures.
If you’ve ever been through it, you’ll know.
As a product with a certain limit set from the beginning
You can think of it as a free deposit and withdrawal method.
As much as I took it out of the account and used it, I can return it later.
All you have to do is fill it up with interest.
If you look at Kookmin Bank’s representative products, kb
I have a negative account
You can adjust the limit and need funds urgently
It can be a big advantage for you.
Of course, there are many different types of products.
It is recommended to check several things at once before making a decision.
▼ Conditions for issuance by type of negative passbook
A summary of easy places to borrow a minus bankbook for unemployed people (recommended collection!)
These days, the economy is very difficult, so if you are a poor ordinary person, you probably have experience using negative bank accounts.
As demand surged, last year, from credit loans
In the beginning, the qualifications were strict.
However, the limit varies depending on the annual income conditions.
You can see that
Usually used by people with annual income of 30 million won or more
It can be said that other banks are in the same situation.
The maximum is 150% of annual income.
Yes, it is set at a maximum of around 1 billion won.
If you use a lower interest rate with a larger limit at once
If you have to, rather than a negative bank account
We recommend that you look at it as a credit product.
▼ If you are an office worker, you must know the products you need to know.
Summary of qualifications for credit loan for office workers and document procedures
Comparison of the Best Credit Loans in 2020 We have selected the products with the lowest interest rates among the credit loans on the market. Easily compare the best loan for you based on your income, credit rating, and employment status. Citibank..
These days, it can be said that working conditions are almost mandatory.
Yes, you need to carefully manage your credit rating.
Credit rating of 4 when reviewed by Kookmin Bank
Within
Most of the repayment methods follow the lump sum repayment method.
The period of use is initially 1 year.
Of course, up to 10 years can be extended by applying for an extension before the expiration date.
You can use it, so you don’t have to worry too much.
The interest rate is set at a minimum of 2.88%.
By applying a preferential interest rate, you can keep it as low as possible.
Guide to preferential interest rate benefits and documents to prepare
Most of the procedures are carried out by the main bank.
This is because a preferential interest rate benefit can be applied if certain conditions are met.
Kookmin Bank negative passbook
Up to 0.3% per annum for those with good kb credit card performance,
For those who have set up salary transfer, 0.3% per year, 3 automatic transfers
0.1% per year for those who use Dalseong and kb Star Banking respectively
This is also the reason why you should take care of it because you can save up to 1.5% per annum on the maximum preferential interest rate.