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Home » Kakao Bank emergency fund loan interest rate and application method?
Kakao Bank is an Internet-only bank classified as the No. 1 financial sector, and has the characteristic that transactions are conducted only through mobile devices.
The Kakao Bank emergency fund loan to be introduced this time is a small minus loan product, and you can easily apply and use it through mobile when you need cash in a hurry or need to prepare it in advance.
When the loan is executed, you can withdraw or transfer directly from your account, and you can also use it online or offline by paying with a check card.
Then, let’s look at how the qualifications and conditions for this product are formed.
The standard conditions for Kakao Bank’s emergency fund loan are Koreans over the age of 19, regardless of occupation or income, and can issue insurance policies of Seoul Guarantee Insurance.
However, please note that it is difficult to use if you have overdue or bankruptcy information, registration or application for rehabilitation, bankruptcy, exemption, records related to financial fraud, and Kakao Bank overdue loans.
loan limit
up to 3 million won
loan period
1 year
loan interest rate
Minimum 6.804% per annum
The limit is from a minimum of 500,000 won to a maximum of 3 million won.
The basic loan period is within one year, but it can be extended according to the result of the extension review, and it is in units of one year.
Please note that extension is not automatic, and you must apply before the expiration each year through the app.
If you do not repay the balance after maturity, overdue interest rates may apply and your credit may be penalized.
The repayment method is a lump sum repayment at maturity, which can be repaid and reused at any time within the limit, and you can pay interest for the amount used each month and repay the principal at maturity.
The loan interest rate ranges from 6.804% to 15.000% per annum, and the additional interest rate and prime interest rate are added or subtracted from the standard rate.
The standard interest rate changes every year, and the additional interest rate is applied differently depending on the review results for each credit rating.
If you agree to the financial transaction information, you can apply a preferential interest rate, and the overdue interest rate is 3% per annum added to the loan interest rate, up to a maximum of 15% per annum.
Kakao Bank Emergency Loan can be applied for on mobile between 06:00 and 23:00, 365 days a year. Mobile phone authentication is required during the process, and it takes only about 60 seconds on average to apply and execute.
If you maintain transactions without overdue, please note that it may be helpful when managing your credit rating because Kakao Bank is the No. 1 financial institution.
When applying for an extension of the deadline, it may be rejected depending on the credit status of the borrower. In this case, please note that the loan balance and interest must be repaid in full.
If there is an amount available for loan based on the credit evaluation result, you can apply for a minus account or credit loan even while using the emergency fund loan.
inquiry
Kakao Bank main phone number
1599-3333
Kakao Bank website
www.kakaobank.com
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Company Name: Su Business Address: Hanwha Oberlist No. 908, 127 Jungdae-ro, Songpa-gu Representative: Hyunsoo Kim Business Information: 306-19-51942 Contact: kwt505@naver.com
