Nonghyup All One Emergency Loan vs. Toss Emergency Loan Interest comparison As the economy gets more difficult, there are often times when a small amount is urgently needed. It may not seem like a big deal when you have it, but when you don’t have 1 million won or 2 million won, there may be situations that need to be resolved.
In addition, there are people who are afraid that if they open a negative bank account with a too large amount of money, they will fall into overspending, and there are people who plan to make it for emergencies only with a small amount. 농협 올원 비상금대출
In the past, if a housewife or unemployed person wanted to borrow even a small amount, regardless of whether office workers, business owners, housewives, or freelancers, they had to use a loan company called 3 Finance. However, various problems arise from this, and if you have been good at managing your credit for about 3 million won in one financial sector, it is possible to borrow without difficulty. 이베이스매뉴얼
Two places to look at today are Nonghyup All One Emergency Loan and Toss. You can easily check the limit, find out the interest rate, and apply for both without visiting. However, there are some differences in how the credit rating is used.
Qualifications for the Nonghyup All One Emergency Loan
It is intended for customers calculated only by telecom rating, regardless of occupation and income. You must be using a mobile phone under your name, you must have an Nonghyup account, and you must be enrolled in e-banking. Simply put, if you are a customer of the Nonghyup, you are eligible to apply.
Unlike general emergency loan products that operate with a negative bankbook, the principal and interest are fully repaid without a deferral period. Interest is applied at 6.69% to 7.89% when a 3-year fixed-type financial bond is selected.
As for the reason for rejection, if the applicable reasons such as overdue loan holders of financial institutions or customers who have registered credit rating information, it is impossible to apply for a loan according to the bank’s internal examination criteria.
Customers with registered accounts to report financial fraud, etc., or if they fall under any of the transaction restrictions such as deposit or payment suspension registration to the loan limit linked account, the application will not be accepted.
Toss Emergency Loan
Unlike the Nonghyup, it is for those over the age of 19, but it is secured by the guarantee of Seoul Guarantee Insurance, not the telecommunication grade. If you have experience using policy funds, some of you may have experience in getting a guarantee through this site before using it.
The application amount is the same from a minimum of 500,000 won to a maximum of 300,000 won. The difference is that it operates like a negative bankbook, so you just have to pay monthly interest on the amount used within the set limit.
Therefore, the deadline is one year, and if there is no credit rating or abnormality, you must apply for an extension up to a maximum of 10 years annually. Interest is applied differently depending on the grade within the range of 6.54% to 15% per annum.
If you are already using similar products, some of you may be wondering if it is possible to apply for duplicate. If there is no credit problem, it can be approved on the assumption that there are no existing debts up to two or three.
However, the fact that it is easily implemented without proof of income and employment can mean that credit ratings play an important role. In both cases, if you want to be able to stably apply from application to approval, at least grades 1 to 5 are safe, and if grades 6 or less, variables may occur depending on the situation.
Although the existing cut-off is grade 7, those who are currently at this level are likely to have some existing debt, so approval or rejection may be decided according to the existing credit transaction patterns.
If the rating is not good, as in the past, it is necessary to check whether it can be used in stages through 2nd or 3rd finance.