Recently, due to COVID-19, the Republic of Korea is suffering. The self-employed and small business owners are having a really difficult day. That’s why there are people who apply for short-term loans or people who are looking for local government subsidies. state.
Therefore, there are many people who look for negative bankbooks at the banks they normally trade with.
Shinhan Bank, Kookmin Bank, Woori Bank, and Kakao Bank negative accounts are used by the most people. Sometimes there are people who use the IBK negative account…
This negative bankbook is a product that allows you to easily borrow and repay money whenever you need it with a set limit. Once opened, it has the advantage of being able to withdraw money whenever you need it… In addition, interest is accrued only on the amount borrowed from a negative bank account.
You can make a negative passbook through mobile banking (Kakao Bank, K-Bank, etc.) Of course, if you have good credit, you can apply quickly… and proceed without difficulty.
In order to increase the limit, you must submit the documents required by the relevant financial institution. Each financial institution requires different documents, but in most cases, documents such as proof of income are requested. It is convenient to think of it as the same as taking an additional loan. 마이너스통장 한도 증액
The advantage of a negative bank account is that you can borrow money conveniently instead of using a credit card loan or cash advance, which can affect your credit score when you need an emergency. 좋은뉴스
Usually, people who trade stocks, real estate, or cars, etc. have it, but you can see a lot of masters of financial techniques that you use!!!
Credit information companies such as NICE and KCB say that if a negative bankbook is used consistently at less than 50% of the contracted amount, it can be evaluated positively and it can be an opportunity to increase the creditworthiness.
However, it is recommended to use a negative bankbook if you need a small amount of money, because the negative bankbook is listed as borrowing as much as the loan limit according to the credit information (if you have a 10 million won limit account, you can borrow 10 million won even if you spend 100,000 won). Do not.
Recently, Gyeonggi-do has been very difficult… Government-supported loan products such as corona loans have recently been very low with very low interest rates, so there are many products for each bank. If you meet these conditions, we recommend that you first find out about the government-supported loan products and apply for them. On the contrary, interest rates may be lower.