전업주부 신용대출 가능한 곳Housewife loans refer to loans for married women.
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As a nationally certified credit counselor, I am writing this article today to help housewives who need emergency funds. I know better than anyone that it is not easy for housewives who have no income due to childcare, family, or personal reasons to get loans when they need emergency funds.
However, in the case of small loans, housewives can get loans without documents, so you don’t have to worry too much.
Housewives with high credit ratings can get loans from first-tier financial institutions. Housewives with a credit score of 750 or higher and few outstanding loans can get small loans through mobile loans (emergency loans).
On the other hand, if you have low credit ratings, no collateral, or have already received an emergency loan from a first-tier financial institution, you have no choice but to use housewife loans from second-tier financial institutions.
Second-tier financial institution housewife loans have relatively high interest rates, but the loan qualifications, such as income or assets, are not strict. Mobile loans are loan products that can be easily applied for with a smartphone without visiting a financial institution branch.
Since the entire process from loan application to screening and loan remittance is done on mobile, you can use it anytime, anywhere, regardless of time and place.
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1st financial sector mobile loans have the advantage of lower interest rates compared to small limits, but it is difficult for housewives without collateral to get additional loan approval.
Therefore, if a housewife without collateral is using a 1st financial sector mobile loan (emergency loan), she has no choice but to use a 2nd financial sector housewife loan.
The following are representative 2nd financial sector housewife loans.
Daol Savings Bank Housewife Loan is a product that allows any housewife with a credit score of 560 or higher to apply for a loan of up to 30 million won.
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OK Savings Bank Housewife OK Loan is a small loan product for married women aged 30 or older.
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SBI Savings Bank Housewife Loan is a high-interest credit loan product for unemployed full-time housewives. Learn more
In the case of housewife loans, loan conditions vary depending on various factors such as credit rating, income, collateral, and repayment ability.
Therefore, when using housewife loans, it is important to consider your own financial situation and choose a loan product.
Thank you for your interest in the article on housewife loans until the end.
Housewives are the ones who work the hardest in the household. Many of them are experiencing financial difficulties while raising children, taking care of household chores, and supporting their husbands.
Housewife loans are a product designed to ease the financial burden of these housewives.
Loans are available in various amounts, from small to large, and you can receive loans quickly through simple procedures.
We hope that you will overcome financial difficulties and regain the happiness of your family through housewife loans.
If you have proof of your spouse’s income or assets in your name, you can easily receive them from commercial banks or savings banks. For small amounts, apply easily with a mobile emergency loan.
Document-free housewife loans are not completely document-free. Some financial institutions have simplified mobile small-sum loans so that you can apply with only a joint certificate, but in reality, they check financial information such as credit card usage history. 1. Use mobile loans from financial institutions or savings bank housewife loan products. However, most require credit card usage history of more than 1 year.
They comprehensively review your credit score, spouse’s income, and your own assets. Conditions may vary by financial institution.
If you have assets in your own name or jointly, it may be possible, but in other cases, it will be difficult to proceed with the loan.
Capital companies do not have many credit loan products for housewives, but if you have collateral such as a car or apartment, you can receive a loan with a high limit.
Yes, there are products that full-time housewives can receive loans without income verification. It is important to have assets in your own name.
Reference site: Korea Financial Services Commission
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