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Emergency fund loans for the unemployed are handled by first-tier banks, second-tier financial institutions, mutual finance, and savings banks. Above all, the loan eligibility conditions are not so strict that even housewives and students can apply for the loan, making it easy to get a loan. Even those who are unemployed or have no income can apply for a loan. In addition, it is a convenient product that allows you to apply for a loan on the Internet or mobile app without visiting a branch.
Shinhan Bank emergency fund loan is a small loan available to those who can issue insurance policies from Seoul Guarantee Insurance Co., Ltd. You must pass Shinhan Bank’s screening standards and be within KCB grades 1 to 6 and Seoul Guarantee Insurance credit ratings grades 1 to 5. do.
The loan limit is a minimum of 500,000 won to a maximum of 2 million won. The limit is calculated within the guarantee limit calculated by Seoul Guarantee Insurance Co., Ltd.
The minimum loan interest rate is 7.76% per annum, and a preferential interest rate of 0.2% per annum is given for salary transfer and MY Salary Club certain amount transactions, and 0.1% per annum when using Shinhan Card.
The loan period is up to 1 year and can be extended in 1-year increments up to 10 years. In case of extension, it will undergo an extension review.
This is a Woori Bank emergency loan available to users of telecommunication companies (SK, KT, LG U+) that can calculate telecommunication ratings.
The loan limit is up to 3 million won.
The minimum interest rate is 8.19% per year, and a preferential interest rate of 0.2%p per year is given when you log in to WON Banking at least once a month, and 0.30%p when you do not have a loan.
The loan period is up to 1 year.
This is a Kakao Bank emergency loan available to those with a credit rating (CB) rating of 1 to 8 and issued by Seoul Guarantee Insurance Co., Ltd.
The loan limit is a minimum of 500,000 won to a maximum of 3 million won, and the loan limit is calculated within the guarantee limit of Seoul Guarantee Insurance Co., Ltd.
The minimum loan interest rate is 6.85% per annum, and a preferential interest rate of 0.1%P is given when you agree to provide financial transaction information.
The loan period is one year and can be extended through extension review.
Like Woori Bank’s small loan, this is a small loan product targeting SK, KT, and LGU+ users that can calculate telecommunication ratings.
The loan limit is a minimum of 500,000 won to a maximum of 3 million won.
The minimum loan interest rate is 6.92% per year, and a preferential interest rate of 0.5%P is given if you have an NH Chaeum credit card and 0.5%P if you have a communication grade of 1 to 3.
The loan period is up to 3 years.
Please note that in the case of Nonghyup All-One emergency fund loan and Woori Bank emergency fund loan, budget phone users are excluded from loan eligibility.
Although the emergency fund loan is a small amount, it is a loan product from the financial sector, so you must be careful because overdue interest accrues in case of overdue payment and if the overdue payment continues, your credit may be adversely affected by registration of credit rating information, etc.
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