전업주부 신용대출 가능한 곳In this article, the interest rate for the unemployed women loan is based on the date of writing, so the interest rate may vary depending on the time of application, and it is recommended to check the relevant part again.
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The unemployed women loan is a loan that can be used by women who do not have a separate income, and most of the various products can be used regardless of gender, but some products are more advantageous for women.
In particular, the range of choices is wider for full-time housewives, and since they do not require proof of income, the process can be done more simply. I will guide you mainly with relatively well-known products.
If your credit status is judged to be good, you can use the emergency fund loan of the first financial sector. In the case of the emergency fund loan, it is a loan that can be used by men as well as women including full-time housewives, and it can be used without evaluating professional income.
However, since you need to obtain a certificate from Seoul Guarantee Insurance, you may not be able to use it if your credit rating is low. Representative handling banks include Hana Bank, Shinhan Bank, Kookmin Bank, and Internet Bank. For those who cannot use it in the first financial sector, you can look at the products that are introduced from now on.
📌 Places where unemployed people can get small loans of 3 million won
Yesron is an emergency fund credit loan available through Yegaram Savings Bank, and it is a loan for unemployed women that can be processed non-face-to-face. It is a place where you can apply if you have a personal credit score of 350 or higher according to NICE standards, so it is relatively easy to process.
In principle, it is for customers who are 20 years of age or older who can prove their income, but as an exception, only women who are housewives can use it without proof of income, and the required documents are a copy of their ID and a copy of their resident registration.
Mizusarang is a female-only credit loan product handled by OK Capital. It is a loan that can be applied for without a visit, face-to-face, and without restrictions on time and place.
It can be used by wage earners, self-employed people, freelancers, and housewives, and you can easily check the limit and interest rate through PC and mobile, and if approved, you can immediately receive a transfer to your account through an electronic contract. The repayment period can be set relatively long, so you can reduce the monthly repayment burden.
Apple Loan is a credit loan that can be confirmed by Apple Loan Brokerage, so it is a place that is officially registered, so you can use it safely, and it is a loan product for women without a job that is known to be relatively easy to approve, so even those with low credit can use it.
The disadvantage is that you have to apply an interest rate close to 20% per annum due to the nature of the loan business, but it is a method that can be used relatively safely in cases where it is rejected by secondary financial institutions. In this situation, it is recommended to quickly start job hunting for the shortest possible period of use, and it is advisable to repay through a policy-type financial product after 3 months of employment.
If you are a woman who has a credit card in your name, you can proceed with Woori Financial Capital’s card user loan. However, it is one of the credit card holder loans that requires you to have a card and have a usage history.
You can check your limit online, apply for a loan, submit the necessary documents, undergo a review, and receive the loan amount immediately after the contract is signed.
This is a credit loan product exclusively for women handled by Million Cash Loan, and it is targeted at housewives who need living expenses.
It is a loan that can be used by housewives aged 20 to 60, and there is no early repayment fee as it is a loan with free repayment of principal, so you can repay it at any time.
OK Savings Bank is offering a loan product for housewives to married women over the age of 30 with a NICE credit score of 351 or higher.
However, if you have overdue loans or unsound loans, there may be restrictions on loan handling, so please check carefully.
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