Kookmin Bank Business Loan KB Business
Global inflation and interest rate hikes. Both of these factors can increase the burden of self-employment. At the Federation of Banks, there was an announcement called ‘Measures for Implementing Social Responsibility in the Banking Industry’. It is a direction to waive the early repayment fee or to support the vulnerable. Mainly related to Judamdae.
Today, let’s take a look at interest rates, qualification conditions, and documents for KB business owners who are looking for business loans through Kookmin Bank. It is possible to issue a negative bankbook within the limit, so please check the relevant details.
Kookmin Bank Business Loan Qualifications 국민은행 대출상담
Products to support household life stabilization funds for self-employed and freelance customers 이베이스매뉴얼
If you choose the automatic bankbook loan at your own discretion, you can freely increase or decrease the usage limit within the initially agreed-upon amount, and additional preferential rates are provided.
Qualifications to apply
Self-employed persons who are currently conducting business with a business registration certificate
Subject to business income withholding tax: insurance solicitors, car dealers, tutors, freelancers, vocational activists, etc.
usage limit
Up to 100 million won (within minus 50 million won in a bank account)
If it is difficult to issue a proof of income amount for less than 2 years of business, a portion of KB Kookmin Card sales is reflected in the estimated income to calculate the limit.
Term and repayment method
Redemption at maturity: 1 year (can be extended for up to 5 years)
Equal amortization of principal and interest: Minimum 1 year ~ Maximum 5 years
Can be operated for a period of up to 12 months within 30% of the total period
interest rate
6-month variable rate 5.82%~7.12%
12-month variable rate 6.16% ~ 7.46%