케이뱅크 신용대출플러스 자격조건Are you curious about K Bank Credit Loan Plus? Shindaeple is a first-tier financial institution credit loan product that allows even people with low credit to receive loans of up to 300 million won. In the text, we will tell you all about the conditions, limits, application method, and reviews.
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K Bank is an internet bank and a leading financial institution. Because it is a first-tier financial institution, the interest rate is relatively low and it has the advantage of not having a significant impact on your credit score.
Let’s take a closer look at the Credit Loan Plus product, a product for people with low to medium credit that can provide up to 300 million won.
Workers enrolled in National Health Insurance with an annualized income of 20 million won or more, with a tenure of at least 6 months, and those with low to medium credit who satisfy the internal screening criteria. However, for some customers, loans are available even if the employment period is less than 6 months.
Credit Loan Plus is a credit loan for people with low to medium credit. Here, low to medium credit refers to the bottom 50% of credit scores based on KCB.
Basically, it is for people who have been employed for more than 6 months, but if you look at the last condition, some customers can get a loan even if their tenure is short. Even if it’s been a while since you joined the company, we recommend you give it a try.
After K Bank’s new loan was released, it received a lot of love as a loan for the unemployed, but due to the recently high delinquency rate, the probability of receiving loans for the unemployed has dropped significantly.
More details will be covered in the Shindaeple review below.
※ In the case of unemployed people whose new application has been rejected, we recommend K-Bank’s emergency loan of up to 3 million won.
▶K Bank Emergency Loan
Your loan may be rejected in the following cases:
Reasons for loan rejection: Late payment, bankruptcy, self-reorganization, bankruptcy, exemption from liability, applying for credit recovery listed in financial institution credit management information, or a person with a confirmed history of loss at JK Bank or a history of financial fraud.
If your K-Bank credit loan has been rejected, it is better to look into government-supported products first rather than credit loans or loan companies from second-tier financial institutions.
※Recommend government-supported products
▶ Find out about Sunshine Loan Youth ▶ Find out about small living expenses loans ▶ Find out about the lowest special rates
Up to 300 million won is possible. Even though it is a credit loan, the limit is very high. In the case of limits, there is a monthly limit. If it runs out, you can apply next month, so we recommend applying at the beginning of the month.
Interest rates range from a minimum of 5.38% per annum to a maximum of 12.74%. In fact, the lowest interest rate can be considered an interest rate that is difficult to obtain, and the average interest rate for those who received a new loan is 6.72%.
Limits and interest rates may vary depending on an individual’s credit score and market conditions, and you must inquire directly to find out the exact information.
Go to K-Bank Shindaeple Limit Inquiry
Credit Loan Plus allows you to set a loan period of up to 10 years and must be repaid using the equal principal and interest repayment method.
The equal repayment method is a method of repaying the principal and interest equally until maturity. If the amount is large, you may have difficulty repaying it, so you should carefully plan the loan period depending on the amount.
Since there is no early repayment fee, you can repay whenever you want.
So how much interest do you actually have to pay?
This is the monthly interest calculated when borrowing 10 million won with a 3-year contract. When applying the average interest rate, you will have to repay a little over 300,000 won per month.
If you want to calculate the exact loan interest, you can use the loan calculator below.
Click here to calculate loan interest
You can apply through the K Bank app. It takes less than 3 minutes to search in the app.
Invest just 3 minutes and check it out right now. Limit inquiries do not affect your credit score.
Download K Bank (Google Play)
Download K Bank (App Store)
K Bank’s Shindaeple was launched and was loved by many people as it made it easy for even the unemployed to get loans. However, as conditions have recently changed, the chances of the unemployed being approved have dropped significantly.
Unemployed person rejected
The applicant is unemployed, and although a new application appeared on the Toss app, the actual limit was not displayed when checked on the K-Bank app.
A review of an office worker receiving a loan of 19.8 million won at 5.64%
The applicant was an office worker, had expected loans as above, and received a new loan for the purpose of refinancing a card loan. At the time of the Toss app inquiry, my credit score was 795, and after actually applying, I received a loan of 19.8 million won at an interest rate of 5%.
We recommend that you check it through the Toss app. Of course, there are cases where a loan does not come out from K-Bank even if you use the Toss app, but on the other hand, there are cases where you can inquire through K-Bank, so try both.
We learned about K-Bank Credit Loan Plus. It was a product that was like a light for the unemployed, but unfortunately, it seems to have become difficult these days. However, since it is not 100% impossible, I recommend that you first look into it, and if it is rejected, please look into the alternative product I suggested.
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