If you are an office worker, you may be thinking about matong when you are in a hurry.
Recently, not only the limit on negative bankbooks is low, but there are also many people who are worried about interest. Let’s introduce Kookmin Bank and Woori Bank as an example. 국민은행 마이너스통장
Kookmin Bank negative account
●KB It is possible for any office worker to use a credit loan product. 이베이스매뉴얼
Up to 100 million won per year (can be extended for up to 10 years).
Kookmin Bank negative passbook issuance targets are as follows.
The tenure must exceed 3 months, and the employee must be an excellent employee selected by Kookmin Bank or a general employee with a tenure of more than 6 months. However, regular civil servants, military personnel with middle and above rank, and teachers do not have any relation to the tenure of office.
Kookmin Bank negative account interest
Highest interest rate based on 12-month financial bonds 5.18%
The highest interest rate on a six-month financial bond is 4.64%. The interest rate level is quite high, so be careful.
Of course, you can benefit from up to 1.0%p per annum in the preferential interest rate section, so it is good to refer to this section as well.
If you proceed with the automatic general bankbook loan, it is good to refer to the part where the maximum rate of maximum exhaustion rate preferential rate of 0.4%p per annum is applied for one month.
Kookmin Bank negative account limit
●Maximum within KRW 100 million
It is less than 100 million won when proceeding with the maton. In the case of the limit, there is no fixed part because it depends on the individual credit score.
In the case of credit loans, the maximum amount is 300 million won, and for those who have been employed for less than one year, it is possible to receive up to 50 million won.
Repayment method
It is a one-year repayment including automatic general bankbook loan, and it can be up to 10 years. If it is an automatic general bankbook loan product, the repayment method is as follows.
① General method limit transaction loan
② Contract limit increase/decrease method limit transaction
How to open
Whether you are a KB employee or a KB employee through the Internet, you can apply for a credit loan through the Internet or make a reservation by visiting a branch.
You can proceed without difficulty.
If you apply online, you must agree to the basic information input terms and conditions to check whether you are eligible for a negative bankbook.
In the case of automatic examination, you only need to enter contract information, and there are cases where you need to submit documents. If it passes here, the execution proceeds.
Woori Bank negative account
Woori Bank minus passbook issuance target
●It is possible if you are an employee.
This is a subscription product for office workers. It is possible if you are employed by a general company or a designated blue-chip company. You must be registered as an employee of the National Pension Service and pay at the same place of business for at least one year.
Customers with an annual income of 30 million won or more, or if the annual income is 20 million won or more and the main transaction requirements are met.
– Main transaction requirements include salary transfer, normal Woori Card payment, automatic transfer, etc.
Woori Bank negative account interest
●Based on the lowest interest rate, it is 3.1~3.9%.
Based on the loan amount of KRW 50 million, the amount is as above when the period is 12 months. Even if you receive a preferential interest rate, you can expect an interest rate of about 3% or higher.
Interest rates can be even higher if your credit score is low. Be careful as interest may be charged in case of overdue payment.
limit
Although it is up to 200 million won per person, the scope of the approval limit itself may vary from person to person. In the case of Matong, it is good to note that the contract is for less than one year, but it can be extended up to a maximum of five years.
How to open
If you go to the Woori Bank Loan Center website, click ‘Loan Products’, and then click ‘Loan Products’, you can check the product called Employee Loan (Internet Banking).
Click the ‘Apply for Loan’ button here.
You can proceed after completing personal authentication login, and you can apply and proceed 24 hours a day, 365 days a year.
Cabin Matong
At Cabin, you can proceed with a minimum interest rate of 3.8% per annum from a maximum of 30 million won. If there is an advantage of Cabin Martong only, credit score may be affected during Marton in 1st Finance, but there is no problem because Cabin products are not received in 1st and 2nd finance.
Of course, there is interest on arrears, so you should compare them carefully.
Toss Matong
At Toss Bank, customers who have been at their current job for 3 months or more and have a proven annual income of 10 million won or more, receive a minimum of 1 million won and a maximum of 150 million won.
The interest rate of mateon is 3.97~12.56% per annum, and it is good to refer to if you need mateon urgently.
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The central bank interest rate is rising day by day. It is said that it may reach 2% within the year, but today, if you are in a hurry, we will look at the subject and conditions for issuing a negative passbook.
Kookmin Bank negative account opened
●KB It is possible for both office workers and credit loan products.
If you are an employee, you can apply, but there are specific requirements. In addition, if you use the ‘Your own personal bankbook automatic loan’ product, you can freely decrease or increase the amount within the initial contract amount.
How to open
●Available at the bank or on the Internet.
You can proceed with the ‘KB Office Workers’ loan product on the KB Kookmin Bank website, or you can apply directly at a branch.
Also, loans are available 24 hours a day regardless of Saturdays and holidays, and screening is only possible from 9:00 to 17:00.
Kookmin Bank minus passbook issuance target
●No difference from most banks.
1 As it is a financial sector, it is difficult for the unemployed or freelancers to borrow. You must be a high-quality employee with a tenure of over 3 months or a general office worker with a tenure of over 6 months.
However, there is no limit to the length of service for full-time public officials, military personnel, and teachers.
(Reference) Shinhan Bank minus passbook issuance target
●Shinhan Bank is no different.
In most cases, Matong is only open to office workers. The standard is for employees with an annualized income of 22 million won or more who have been working for more than one year.
You must be 19 years of age or older and have an estimated annual income of 22 million won or more.
(Reference) Subject to issuance of Kakao Bank negative passbook
●For employees who are salaried workers.
Although Cabin is not in the 1st and 2nd financial sectors, it is provided to salaried workers with good credit scores.
In fact, for unemployed freelancers, it is not easy to borrow.
Kookmin Bank negative account limit
● Less than 100 million won.
In the case of first-time social workers with less than one year of service, the maximum amount is 50 million won. However, it should be noted that interest rates and limits are becoming more demanding as interest rates rise recently.
(Reference) Kakao Bank Limit
●Maximum of 30 million won.
Unlike Kookmin Bank’s negative account limit, you can start with a minimum of 1 million won and go up to a maximum of 30 million won. Since it is an internet bank, it is possible to process loans quickly, but the ‘limit’ is not high.
The repayment method is also set at one year for lump-sum repayment at maturity.
Kookmin Bank negative passbook interest rate
●Differs depending on the product.
It is also worth noting that the base interest rate is 2.37% based on 12-month financial bonds. If you choose the automatic general bankbook loan, an additional 0.5%p per annum will be added to the above interest rate.
Kookmin Bank preferential interest rate benefits
If the above conditions apply, you can receive up to 1% per annum. There are various things such as preferential treatment for using KB Credit Card, preferential treatment for holding deposits, and preferential treatment for direct debit.
Matong products recommended by other banks
● Woori Bank products are also available.
Up to 2 million won per individual is possible, but there are differences. In addition, it is recommended that you refer to the terms of lump-sum repayment and limit loan, which is a contract within one year.
In the case of product preferential interest rates, there is a separate one, so please refer to it carefully.