우리은행 비상금대출By Reporter Kim Yun-seok
2022.12.18 13:12:36
Woori Bank Emergency Loan is a product that allows you to easily obtain a loan by utilizing your telecommunication rating without submitting documents.
Anyone using SKT, KT, or LG U+ can use Sancheong. The limit is up to 3 million won and the maximum period is 12 months.
The interest rate may fluctuate, but the minimum is 8.15%, and the actual interest rate applied can be confirmed by consulting with the branch where you apply.
This loan is a credit loan and can be applied for via mobile, and you must proceed with the process using a mobile phone in your name.
For reference, if a customer applying for a loan for the first time applies for this product, a preferential interest rate of up to 0.50%p per year is applied, repayment is freely possible, and the full amount is repaid at maturity.
The standard minimum interest rate is 8.15% and this product allows you to borrow up to 3 million won. If you need an emergency fund, please refer to the article below for more details.
Loan eligibility is available to those who use SKT, KT, and LG U+ as the interest rate and limit are calculated using telecommunication ratings.
It does not matter your occupation or income, but it may be difficult to get a loan due to your internal credit rating and delinquency history.
You can borrow up to 3 million won, and the amount you can borrow may vary depending on the applicant’s telecommunication level.
The method of calculating the loan interest rate is to add the base interest rate and the additional interest rate and then subtract the preferential interest rate, with a minimum of 8.15%.
The actually applied interest rate may vary depending on each customer’s credit and loan conditions. However, the preferential interest rate is fixed at a maximum of 0.50% only to customers who do not have a loan during the initial contract period.
The loan period is up to 12 months, repayment is free within the limit transaction loan, and the full amount is repaid on the maturity date.
Loans are not available to those using budget phones, and loan availability and limits are determined based on Woori Bank’s own screening standards and the applicant’s credit rating.
Also, please note that if you do not repay the loan on the maturity date or do not pay the interest on the due date, you will have to pay overdue interest of ‘loan interest rate +3%, up to 12% per annum.’
To apply, go to the Wibee Bank app, log in, and then go to the menu window at the top right. After that, there is a financial product section and there is a loan section, and you can select our emergency fund loan there.
To process a loan application, a Woori Bank account is required, so if you are applying, if you do not have one, please create one in advance.
If there are no particular credit problems, it can be extended for up to 5 years in most cases.
Redemption is possible regardless of channel, such as branch, internet, or smart, and is also possible on holidays.
You can repay the entire loan amount or express your intention to cancel the bankbook loan agreement.
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