단기연체 대출 가능한 곳💡 Loan rejection, solutions vary depending on the cause
•If you don’t know the reason, check ‘this’ first!
•If you have a lot of loans compared to your income
•If you have no income
•If you are in the process of personal rehabilitation
•If your employment period is insufficient
If you are currently in arrears or have a history of past delinquency, it will be difficult to get a loan. Typical delinquent items include card payments, communication fees, utility bills, and loan interest.
If delinquency is repeated or continues, the history will be shared with all financial institutions and credit rating agencies, increasing the likelihood of being judged unsuitable during loan screening.
What happens if you are in arrears with your card payments? >
👏 Are you curious about your delinquency record?
Check it out through the NICE or All Credit (KCB) credit inquiry service.
① Prevent long-term delinquency and manage your credit
You need to resolve overdue payments and prevent long-term delinquency. If delinquency persists, not only will you not be able to get a loan, but your credit rating will drop and your property will be seized, which will greatly limit your normal financial life.
If you have been delinquent for less than 1 month, we recommend quick debt adjustment, Sunshine Loan, and small living expenses loans. If you have been delinquent for more than 1 month, you will not be able to get a loan from a public institution, so you should find a way to secure funds through consultation with the Korea Financial Services Commission and prevent long-term delinquency.
Even if you have repaid the delinquent amount, if there is a record, you will not be able to recover your credit and use the first-tier financial institutions right away. If you have a stable income, make faithful repayments, and raise your credit score, you will be able to get a low-interest loan in the future, so don’t give up and manage it steadily.
② Use loans that are advantageous to delinquents
There are loans for those with a delinquent record. Representative products include Sunshine Loan 15, Lowest Credit Guarantee, Small Living Expenses Loan, and other products such as car collateral loans and insurance policy loans. I will introduce three government loans that can be used at relatively low interest rates in detail below.
◼️ Haetsal Loan 15
This is a product for those who have difficulty using regular Haetsal Loans. If you meet the minimum criteria, you can use a high-limit loan at a low interest rate.
Loan limit: Up to 20 million won
Loan interest rate: 15.9% per year
Preferential interest rate: Interest rate reduced every year for faithful repayment (3.0%p for 3 years, 1.5%p for 5 years)
Details: Check
◼️ Special guarantee for those with the lowest credit rating
This is a product for those whose Haetsal Loan 15 application was rejected. The biggest advantage is that you can choose a grace period (1 year), so you can pay only interest without paying the principal for 1 year.
Loan limit: Up to 10 million won
Loan interest rate: 15.9% per annum
Preferential interest rate: Interest rate reduced every year for faithful repayment (3.0%p for 3 years, 1.5%p for 5 years)
Details: Check
◼️ Small-sum living expenses loan
The loan process is simple and quick, so it is a useful product for those who need small amounts of money. It can also be used by unemployed and delinquent borrowers, and the loan amount is small, so the repayment burden is small.
Loan limit: Up to 1 million won
Loan interest rate: 15.9% per annum
Preferential interest rate: Interest rate reduced by 3.0%p every 6 months for faithful repayment, 12.9% per annum for additional loans
Details: Check
Usually, small-sum delinquencies occur unexpectedly. What you need in these cases is ‘cash flow management’.
Pinda provides a ‘cash flow management’ service for free, which allows you to view and manage your assets at a glance. It helps you check loan interest and repayment schedules that are easy to miss in advance, and helps you manage your assets effectively, such as rolling over your savings and making a lump sum.
If you have had concerns about money management as well as delinquency, click the button below to manage it with Pinda! 👇
