신한저축은행 참신한대출 신청방법Check your interest rate before a loan
Shinhan Savings Bank’s Shinshinhan 500 is a non-face-to-face loan that even the unemployed can apply for. Unlike other loans for the unemployed, it boasts a limit of 5 million won instead of 3 million won, and you can easily apply through a mobile app.
Shinhan Savings Bank’s Shinshinhan 500 requires income estimates from NICE Credit Information Service. In other words, credit card performance, which can replace proof of income, must be provided. All of the items below must be met.
Loan interest rate = Base rate + Additional rate – Base rate: Weighted average interest rate for new regular deposits in the previous half – Additional rate: Differentially applied according to internal rating criteria
Even if you use a small loan, 3 million to 5 million won is not a small amount of money. Since it is a lot of money, it is a good thing to have even 0.1% of your wallet take out a few tens of thousands of won. That is why you must know to request an interest rate reduction. The right to demand a lower interest rate is a legally stipulated consumer right. If your credit rating improves or your income increases, you can request a lower interest rate because your financial situation has improved.
Your credit rating is like a social report card. If your score is high, you can borrow money at a low interest rate, but if not, you have to borrow money at a relatively high interest rate. It is not easy for banks to lend money at a low interest rate to those who do not have any guarantees.
In order to manage your credit rating, you should pay utility bills, management fees, mobile phone bills, and card bills without delay. It is also a good idea to refrain from using cash services or card loans. Instead, it is better to use small products and pay them off regularly to manage your credit rating.
You may know that you can get a discount on interest rates through your main bank, and there is also a way to lower interest rates through family performance integration. If your family members have transactions at the same bank, it is a good idea to integrate them. If you combine your family’s performance, you can receive many preferential treatment from banks because you can fill in a short period of time what one family member would have to fill in several years.
