연체자대출 가능한 곳Where to get a loan for delinquent borrowers
It is not easy for delinquent borrowers to get a loan. On the Internet, you can find private financial loan products such as loans from secondary financial sector savings banks and loan companies, but it is not easy to get approved for loans because even the lenders are concerned about the delinquent person’s ability to repay.
Results may vary depending on the borrower’s credit and financial status, but loan companies often do not provide loans as easily as institutional financial institutions. Therefore, if you are rejected for a loan from a second-tier financial institution, there is a high possibility that the loan company will not provide a loan.
The Korea Inclusive Finance Agency offers a product called a small living expenses loan. This product allows you to receive a loan of up to 1 million won, and its main feature is that even the unemployed or delinquent borrowers can apply.
If you use this loan product, you can benefit from an interest rate reduction of up to 6% if you repay faithfully. For general living expenses, if you repay faithfully for 6 months after borrowing the first 500,000 won, you can borrow an additional 500,000 won. You can receive it. In emergency situations, a loan of up to 1 million won is available.
Sunshine Loan 15 is a product that allows loans of up to 20 million won, and you can get a loan even if you have a recent delinquency history. However, you should be careful as your loan may be rejected if you have more than 6 delinquencies or more than 60 days of delinquency within the past 6 months.
The loan interest rate is 15.9% per annum, and if you repay faithfully, you have the benefit of a preferential interest rate that is lowered every year. Additionally, the loan period can be selected as 3 or 5 years, and the repayment method is repayment in equal installments of principal and interest.
Sunshine Loan 15 has the advantage of being able to repeatedly extend loans, so it can be seen as a representative loan product suitable for delinquent borrowers.
Apple Loan is a loan product provided by Apple Loan Brokerage, and even those who are delinquent on telecommunication bills or Seoul Guarantee Insurance can apply for a loan of up to 10 million won. Additionally, you can apply non-face-to-face via mobile, so you can apply on the same day easily and quickly.
The loan interest rate is within 19.9% per annum, the loan period is 5 years, and the repayment method is an equal installment of principal and interest.
An IT pawnshop loan is a secured loan and is a good method to use when a loan is rejected due to insufficient income and credit requirements. Anyone can easily and conveniently get a loan as long as they have collateral. Additionally, it is useful because your loan history does not affect your credit score.
The loan limit is 50% to 90% of the collateral, and the loan interest rate is within 19.9% per annum. The loan period is within 30 days, and can be extended after consultation. You can choose between repayment in equal installments of principal and interest and lump sum repayment at maturity.
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