Even if you are not a sole proprietor running a business, those who need cash flow do not depend on their occupation. For this reason, there are many people who use a negative bankbook loan. The advantage of this negative bankbook loan is that you can borrow and repay the loan at any time within the agreed upon amount like cash, and interest is calculated and paid only for the period of the amount used. 국민은행 마이너스통장
Kookmin Bank supports negative bankbook loans for public officials, so if you need it, please check it out.
Kookmin Bank Public Official Minus Passbook Loan Qualifications
KB Kookmin Bank’s public official negative bankbook loan is a financial product ‘KB Loans for employees and employees’.
Qualifications for this application include full-time civil servants (including those who have passed the final exam), teachers, and faculty members who have been in office for more than 3 months. 이베이스매뉴얼
* Full-time public officials and teachers can apply for a loan regardless of their tenure
Kookmin Bank civil servant negative account loan interest rate
The interest rate on the negative passbook loan for public officials at Kookmin Bank is calculated from the lowest interest rate of 2.37% per annum to the highest rate of 3.37% per annum based on the one-time repayment method, loan period of less than two years, and credit rating of 1st grade. ) and adding 0.50% of the added interest rate, the final interest rate becomes the final interest rate. The calculated interest rate may vary depending on the loan applicant’s credit conditions, loan conditions (repayment method, use of funds, etc.), and bank transactions.
<Preferential interest rate>
The preferential interest rate is up to 1.0% per annum.
– Performance-linked preferential interest rate: up to 0.9% p per annum
① KB credit card usage performance preferential: up to 0.3% p per annum
② Salary (pension) transfer related performance preferential: 0.3% p per year
③ Preferential holding savings account (over 300,000 won): 0.1% p per annum
④ Direct debit (3 or more) performance preference: 0.1% p per year
⑤ KB Star Banking preferential treatment: 0.1% p per year
– 12-month variable interest rate preferential: 0.1% p per annum
Kookmin Bank Public Official Minus Passbook Loan Limit, Period and Repayment Method
Kookmin Bank’s public official minus passbook loan is a non-guaranteed loan, with a maximum loan limit of KRW 100 million, and the loan limit is applied differentially according to the credit evaluation results.
Loan period and repayment method are one year for lump-sum repayment (including automatic general bankbook loan), and the term can be extended up to 10 years.
Early redemption fee
– Excluded in case of comprehensive automatic loan
Overdue interest
– Overdue interest rate: Maximum 15% per annum (loan interest rate per borrower + delinquent interest rate)
(If the loan interest rate is higher than the maximum delinquency rate, the loan interest rate + 2.0% p per annum)
Kookmin Bank civil servant minus bankbook loan required documents and incidental expenses
<Required Documents>
– ID card (resident registration card, driver’s license, passport issued in Korea, etc.)
– Employment confirmation documents (certificate of employment, etc.)
– Income verification documents (earned and earned income withholding tax receipt, etc.)
<Additional cost>
– stamp duty
According to the 「Stamp Tax Act」, a tax paid when a loan agreement is signed. The amount of tax is applied differently depending on the loan amount, and 50% of each is borne by the loan applicant and the bank.
In the above, we learned about the negative bankbook loan for public officials of Kookmin Bank. Keep in mind that you should only choose a loan if your income and repayment ability are sufficient.
Know the pros and cons of Kakao Bank Kookmin Bank’s minus bankbook
Recently, the government is considering regulating credit loans.
As household debt has risen considerably, the government is pushing to reduce the limit on negative bank accounts as well as significantly reduce the limit on credit loans.
Therefore, if possible, it is recommended that you drill a hole in the barrel in advance.
Negative bankbook simply means “how to get a loan”
There are a lot of people who don’t know about negative bank accounts. Basically, matong means taking a loan.
I set a limit based on the score evaluated according to my creditworthiness and open an account so that it is easy to borrow and repay at any time. This is called a negative bankbook.
When you go to the bank and say, “I’ll just open a negative bank account~”, it doesn’t end, but because it’s a loan, you’ll be subjected to a qualification test, etc.
So, you’re talking about maton, so why are you talking about loans? You should not misunderstand it. There are many different ways we borrow money from banks and pay them back.
There is a way to borrow a large amount of money at once, or a way to open an account and use it whenever you need it. The latter is the magic trick.
And there are many ways to repay.
There is a method of repaying the principal and interest every month, a method of repaying the principal and interest at the same time at maturity, and a method of repaying it frequently when you want to repay it and then repaying it at maturity.
If you choose Martong, you will pro-rate the amount you use each month and pay interest on it every month. And it is advantageous in terms of cost savings as the interest is reduced every time you repay in the middle.
Kookmin Bank Kakao Bank Minus Passbook Issuance Conditions, Advantages
Kookmin Bank and Kakao Bank are both leading financial institutions, providing a variety of loan products. The conditions for each bank are as follows.
As with all banks, it is important to note that the following cases do not lend money in common.
Customers who are 19 years of age or older, have no records of credit rating information such as delinquency or default information, have not applied for rehabilitation, bankruptcy, immunity, etc. You must be a non-existent customer.
Kookmin Bank’s negative account has the following conditions of use
– Based on the KB STAR credit loan, an employee who has been at the current job for more than 12 months and a main customer of KB Kookmin Bank
– Customers whose credit score is calculated by the KB Kookmin Bank personal credit rating system
First of all, you must have been working for at least one year, and whether or not you are employed is determined comprehensively by the National Health Insurance enrollment date and certificate of employment.
The maximum limit is 200 million won, but in the case of Kookmin Bank’s minus bankbook loan, the maximum limit is 100 million won or less.
If you use the matong method, you can extend it for a maximum of 10 years in 1 year increments. Because it is a non-face-to-face product, you can apply online as well.
As for the interest rate, the lowest interest rate of 2.86% may be applied based on the highest credit score.
However, since it is a product subject to the interest rate cut request right, you can request a rate cut if your income rises by 20% or more.
The Kakao Bank negative account has the following conditions of use.
Like Kookmin Bank, Cabin has the following requirements. Unlike Kookmin Bank, income requirements are also added. Can you say that it is a bit more demanding than the people?
– Must have been in service for at least 1 year based on the National Health Insurance Corporation qualification certificate
– Customers with an annualized income of 30 million won or more, which is estimated by insurance premiums paid by the National Health Insurance Corporation premium payment confirmation
In the case of cabin, as stated above, you must submit a certificate of qualification acquisition and loss from the National Health Insurance Corporation and a confirmation of payment of insurance premiums.
The maximum limit is 100 million won, however, the limit may not come out as much for negative bank accounts.
The DSR is a system that limits the total amount of loans relative to one’s income, so the overall limit is set in proportion to one’s income + credit score.
In addition, the interest rate is in the range of 2.4 to 4.4%, with a preferential interest rate applied.
And in fact, it may be possible to issue Mattong on better terms than these banks. In the article below, we have compiled a list of bankbooks with the lowest interest rates among commercial banks, so we recommend that you read and use them.