Toss Bank’s growth is scary.
K-Bank, the first internet bank, is also waiting to be listed.
Internet banks are growing rapidly.
Due to the recent rate hike
Banks will report their earnings.
Toss Bank can be said to be at the center of it. 토스뱅크 사장님 마이너스통장
Toss Bank is similar to other banks.
We issue emergency funds, credit loans, and negative bankbooks. 이베이스매뉴얼
What is a negative account?
The official name of negative bankbook is limit loan.
Unlike a credit loan, where the loan agreement and loan amount are paid at once,
Set a maximum and within that range
You can withdraw it and use it when you need it.
It’s about setting a limit on how much money you can pay.
Because when you withdraw money from the limit loan account, it becomes negative.
It’s called a negative account.
If not used, no interest is accrued.
The amount used is prorated and interest is accrued.
Advantages
– Refund possible by deposit and withdrawal
– Interest is accrued only on the amount used
-There is room for credit rating improvement when using less than 50% of the contract amount
disadvantage
-Higher interest rate than credit loans, compound interest
-The negative bankbook itself is a debt
– Full repayment of the loan at maturity
Subject to issuance of negative passbook
A negative account is a limit loan.
Your credit rating determines the limit and interest rate.
Therefore, a credit score above a certain level is required.
Each bank is different
You must be 20 years of age or older, subscribe to the four major insurance policies, have worked for at least 6 months, have an annual salary of 20 million won or more, and have a credit rating of 1 to 6
Basically, unemployed people or housewives are not allowed to open a bank account.
The interest on negative bankbooks is usually 4-6%.
The interest on the negative bankbook is calculated on a pro-rata basis.
The faster you repay the borrowed money, the cheaper you can borrow.
The longer the repayment period, the greater the interest burden.
In other words, writing it down and paying it back right away is the best way.
Negative passbook issuance subject, conditions, advantages (compare credit loan difference) Which is more advantageous?
Negative passbook issuance subject, conditions, advantages (vs. credit loan difference) Which is better? The Bank of Korea is preemptive compared to the US…
Toss Bank minus passbook
Subscription target
The period of tenure is the date of acquisition of qualifications of the current employer on the certificate of qualification acquisition by the Health Insurance Corporation.
Loan limit
The limit is a minimum of 1 million won and a maximum of 150 million won.
It depends on your personal credit and repayment ability.
Required documents
Salary income earner: Health insurance qualification certificate, health insurance premium payment confirmation
Interest rate information
4.64~13.6% per year (as of 22.6.30)
The additional interest rate is applied to the base rate to calculate the loan amount.
You can choose the base interest rate for negative bankbooks from 3 months for financial bonds, 6 months for financial bonds, and 12 months for financial bonds.
It is linked to the base rate and fluctuates.
In case of non-payment as of the monthly payment date, the interest overdue will be applied at the loan interest rate + 3% per annum.
The liquidity party is now over.
As the time of austerity arrives
I think a lot of people are suffering from a rate hike.
Even if interest rates rise, consumers who need it will always use it.
Even if you need funds, if you unreasonably get a credit loan or negative bankbook
You can run into great trouble.
Loans can be a great way to make your life better if used well.
Things to watch out for must be observed.
As interest rates began to rise recently,
If you are a banker, you are looking for the lowest interest rate possible with each bank.
Personally, I chose the Toss Bank negative account.
The reason was because I found the lowest interest rate by doing a Naver credit loan search.
You can also check your credit rating in 1 minute on the Toss app.
I was able to check the limits and interest rates available to me.
▼ Learn more
Summary of toss negative account interest rate limit conditions
Recently, a bankbook with a high deposit interest rate of 2% has been released from Toss, and interest is high. The limit on loans has been improved widely, and it has the advantage of being able to use it at a lower interest rate than other banknotes.
There are a total of 3 products available at Toss.
is made up
These are the Tos credit loan, the negative bankbook, and the emergency loan.
Probably the highest limit
Loans of up to KRW 270,000 are possible.
But if you don’t need a lot of money right now
An emergency fund would suffice.
▼ Toss Emergency Loan Detailed Qualifications and Interest Rate Comparison
Toss Emergency Loan Qualifications Interest Rate Limits
Recently, the economic situation is so bad that even if you want to get a job, you can’t even find a job, and there are many cases where you can’t find a job even if you need a lot of money.
It is more realistic than the interest rate conditions listed on Naver.
There seems to be a cheaper side when checking the toss app.
In the case of Toss Bank negative passbook, the interest rate requirements are
It is a variable interest rate that changes every 3 months, and the interest payment date
You can set it yourself
In fact, a place where you can compare toss and interest rates
It’s not much, but I can compare it with Kakao Bank.
In many cases, as the same mobile bank
It is no exaggeration to say that there is an interest rate competition.
▼ Differences and features of Kakao Bank’s negative account interest rate limit
Kakao Bank Minus Passbook Qualifications and Application Procedure
Recently, when using a negative bankbook, more and more people are using the negative bankbook of Kakao Bank. Interest seems to be rapidly increasing because of the convenience of Kakao Bank. So today is Kakao Bank..
It takes 5 minutes to apply for a negative bank account.
You can make it so easily that it won’t hang
In case you have a different credit product from another bank,
For those who have progressed, the usage limit is higher than expected
I can’t come
Expected interest rates may change accordingly.
Because interest rates have recently risen
In the case of Toss Bank negative passbook, the current
If it’s in the 3% range, I’d say it’s pretty good.
How to apply: Borrow from Toss Bank
Click the button to start the review right away
Of course, some questions
Income, repayment method, purpose of use
I will ask you back
But I don’t think it’s that important
You just have to write the truth
It seemed to take about 50 minutes to review.
It should be noted that during the examination
If you close the Toss Bank application, the review will be stopped.
It can be, so you should be aware of this.
After the review, set the limit of negative bankbook
You can, of course, even if it’s not the maximum
You can enter the amount you want.
Check the last usage period and interest payment date
If you have checked the payment connection account, click the Create button to finalize it.
In Toss Bank, there are various ways to prevent delinquency.
You have a device, but your credit score is delinquent
Deposits and withdrawals from other banks with the largest balance on the 6th day before
You can set up automatic withdrawal of money from your account
After opening a matong, your credit rating will decrease temporarily.
Please note that there may be
Customers who paid attention to the 2% interest rate on the frequent deposit and withdrawal bankbook, but were more obsessed with ‘loans’ after seeing the news
Credit up to 270 million won, Matong 150 million… Toss Bank departs in earnest today
Perhaps there are many people who are thirsty for launching products that can use ‘money’ to increase various assets such as real estate/securities due to abundant liquidity of funds.
#Toss Loan #Toss Credit Loan #Tossmartong
So, I pressed the [Rent] tab of the Toss app to see if I could really get it.
Toss Bank loans are broadly classified into three categories.
1. Toss Bank Credit Loan
2. Toss Bank negative bankbook loan
3. Toss Bank Emergency Loan
Like a news article that can borrow up to 270 million credit, I went through a credit score check to see how much I could get.
Credit loan is really 2.76%
And, if you pay off another bank account minus a passbook, you can receive about 1/3 more of the limit.
If you need the money right now, you can use the limit at a pretty decent interest rate.
Again, Toss Bank’s aggressive operation had no choice but to make ‘Kabin’ nervous.
However, I was curious about the <interest rate> for #Matong #minus account because I do not use loans continuously.
Reliable wallet for office workers, negative bankbook
early years of society
A saying I heard from a senior at the company, ‘A negative bankbook is a reliable wallet for a salaryman~~’
I didn’t understand it at the time.
It has the (old) way of thinking that negative bankbooks are loans and loans are a ‘social evil’, so I’ve only recently started to understand a little bit about matong.
If you do not use it, you do not have to pay interest rates, so it is the most ideal loan for investment.
The interest rate covered in the news headlines, 2.76% is credit loans.
The product I was most curious about was the negative passbook interest rate #Maton interest rate #TosMaton interest rate
Maximum limit of 150 million
Minimum interest rate 3.26%
These days, the amount of money received from the main bank at work is almost 3%.
If it is 3.26%, I think the interest rate is still quite good.
[Interest rate hike] The corner of office workers trust, even you in a negative bankbook… (reducing limit, raising interest rates)
After opening a negative account, you have to use it frequently to maintain the limit. #Maton, which I thought I used for a while, a star every year…
In addition, the credit rating 1st-grade self-esteem was scratched by reducing the limit by checking the performance of the use of Matong for the past year.
How much is the limit in Toss Bank? how is the interest rate?
Let’s see if we can get it.
1. Annual Income Level
2. How to repay after loan