If you need a credit loan, you usually have to go into each bank to see if you can get a loan. However, this takes too much time, and in particular, the inconvenience of having to go through the membership registration and authentication process dozens of times. There are ways to reduce this hassle. There are sites and platforms that allow you to query and compare credit limits with a single credit check with the participating banks. If you use the platform site, you can easily compare the loan products of the agreement banks and inquire the limit.
Let’s learn about loan limit inquiry and loan comparison sites and platforms. The reference materials introduce credit loan products, so you can get good information by referring to them.
Anyone can access Kakao Pay easily. Even if you do not have the Kakao Pay app, you can access Kakao Pay through the Kakao Talk app. Kakao Pay provides a loan comparison service.
Various companies such as general commercial banks, savings banks, capital, P2P, and insurance companies check your credit score and financial information and provide loan products within one minute. It is considered to be the service that provides the most diverse loan information among the companies concerned. In particular, since the authentication process is not complicated, it has the advantage of being able to search very comfortably.
Based on the loan products, you can easily compare loan interest rates, limit conditions, etc. If you want to look up the loan, you can easily check it by referring to the screenshot.
Toss Bank
Toss Bank also provides a service to compare and inquire loan products. You can check your credit limit by comparing credit lines and offering limits. It’s simple to check that content. You can easily compare loans in Toss Bank by clicking on the loan menu. If you are using Toss Bank, try using the corresponding loan comparison site.
OK Cashback
OK Cashback provides a loan collection service. If you search for personal information, there is an advantage that you can be introduced to a loan product with a little more detail. It’s a little inconvenient because you have to sign up for OK Cashback, but you can still find a good loan product if you use the contents.
Finck – Loan Comparison
Through an agreement with Hana Bank, Finnq is also allowing loan products to be viewed on the Hana Money app. The advantage of this service is that you can easily and quickly search for loan products from 43 financial institutions. In order to use the service, you can download the application or use the Hana Money application to inquire about loan products. It doesn’t take a long time, but it can be a little inconvenient due to authentication.
In addition, we provide a variety of financial services. Like Toss, it is an application that allows easy remittance, asset management, and credit management.
The Tweezers N platform is the most recently released application among loan product inquiry function applications. If you use the application, there is an advantage that you can easily search for a loan. Likewise, there is a complicated process to download and authenticate the app. It provides various financial services such as asset inquiry and expense management.
Pinda, like Finck, is one of the most competitive companies. Through advertisements, many people came to know about the application, and it provides a variety of financial services. Many people are using it because it is one of the platforms that provides various services such as long-term rental, long-term lease, repayment schedule, credit score, as well as comparison of loans from more than 55 financial companies.
It’s December, the last day of the year. At the end of the year, banks try not to lend to prepare for next year’s loan plans. But this year, even government-sponsored funding has been severely banned. It is unfortunate that microfinance is subject to stricter and stricter screening depending on the bank’s circumstances at the end of the year.
I think what is needed at this time is an additional loan through Sunshine Loan. To be honest, I can’t easily tell my family and friends about money matters. Because it affects human relationships. Sunshine Loan is a government-supported loan product. There is nothing to be discouraged by the result of the 1st financial sector’s refusal of approval. Sunshine Loan is a loan product for the common people, so anyone has the qualifications for easy approval. Please understand that use is restricted for those who are classified as high credit or high income earners.
1. What is Sunshine Loan?
It is a loan product for the common people, through guarantee support from cooperative savings banks, to people with low personal credit ratings or low incomes who have difficulty accessing institutional finance, and the government lends to them at an annual interest rate of 9-10%. As it is a low-income low-credit loan product, even those with a personal credit rating of the bottom 20% can apply for a Sunshine Loan.
If you do not know your credit score, you can do credit inquiries at All Credit or Nice three times a year for free, and if your credit score is in the top 80% or higher, it is more advantageous to take out a general credit loan from one financial sector than a government loan Sunshine Loan loan. (1 financial sector – KB Kookmin Bank, Woori Bank, Hana Bank, ibk Industrial Bank of Korea)
2. Sunshine Loan Eligibility
(1) If the annual income is less than 35 million won, it can be applied regardless of credit score. If the annual income is less than 45 million won, if the personal credit score is in the bottom 20%, NICE 744 points, KCB 700 points or less, search for a loan and apply for a Sunshine Loan (This is a loan for the common people.)
(2) For workers who apply for Sunshine Loan loans, they must work for at least 10 days a month and for at least 3 months, and for female workers, maternity leave of up to 90 days is recognized as the working period. However, even if they are subject to Sunshine Loan, the final result is determined by the results of credit screening by low-income financial companies, and credit delinquents cannot apply. And people with bad credit ratings should take education at the People’s Promotion Agency. However, if you listen to education, it is possible to cut interest rates. I’ll tell you the details later.
(3) In order to apply for a sunshine loan loan, of course, you must be able to prove your income, and office workers over the age of 19 can apply. (The approval rate is good because it is a government loan.)
3. Savings Bank Sunshine Loan Limit
Those who meet the qualifications for a Sunshine Loan loan can receive a loan by temporarily increasing it from a maximum of 15 million won to a maximum of 20 million won until this year (December 31, 2022). It may change depending on your credit rating and income level.
4. Sunshine Loan Interest Rate
The loan interest rate is within 10.5% per annum and is determined by the base rate + additional rate. The standard interest rate is determined by the weighted average interest rate of all one-year time deposits at savings banks in the previous month, and the additional interest rate is applied differently depending on the customer’s credit rating. How do I repay the low credit sunshine loan and what is the loan period? Repayment is optional over 3 or 5 years, amortized in equal installments.
In the case of the self-employed, the principal can be repaid equally over 4 years with a 1-year grace period or within 5 years without a grace period. The guarantor is the People’s Finance Agency, and the guarantee rate is 90%, the guarantee fee is 0.9-2% per year, and there is no prepayment fee.
5. Subjects to lower interest rates on Sunshine Loan loans