다올저축은행 FI신용대출 조건Contents
Daol Savings Bank Fi Housewife Loan is a credit loan product for housewives who do not have a steady job and whose income is not constant, and therefore cannot prove their income and employment.
If you are a married woman with a Nice credit score of 560 or higher, you can use the mobile app easily with only your own ID and a joint certificate without submitting complicated supporting documents.
Even if you meet the usage requirements, the applicant’s credit rating and debt status may be reviewed and excluded from the service depending on the results.
The maximum usage limit is applied differently depending on the results of the personal credit evaluation.
This is a method of paying only interest on the amount used without repaying the principal during the usage period and repaying all principal and interest before the end of the contract.
This is a method of calculating the amount calculated by adding interest to the amount used and dividing it equally by the number of months of the usage period and repaying it every month.
The additional interest rate is applied differently depending on the results of the personal credit evaluation.
The final interest rate is 15.42% to 19.90% per annum, which is a high-interest product. In case of late payment due to late payment, a late payment interest rate of 3% is added to the applicable interest rate, but does not exceed 20%.
You can use this product conveniently and non-face-to-face using a mobile app without having to visit a branch.
Google Play
App Store
The commission rate is determined by the savings bank, and the commission is applied for up to 3 days from the date of handling.
You can notify the savings bank of your intention to withdraw within 14 days of signing the contract, return the principal and interest received, and withdraw the loan contract.
Upon exercising the right of withdrawal, you must request the credit information company to delete the relevant information, and it will be deleted within 5 days. Once withdrawn, it cannot be cancelled.
If your credit rating significantly improves during the use of the product, such as through increased income, increased assets, or decreased debt, you can request a reduction in the interest rate. However, if the improvement is minor, it may not be accepted depending on the review results. If delinquency continues for a certain period of time, you may be required to repay all principal and interest even before the contract expires.
Depending on your personal credit rating, your personal credit score may decrease just from the fact that you have used this product. If the amount of your loan or credit card usage is excessive compared to your ability to repay, this may cause your personal credit score to decrease.
If your personal credit rating decreases, you may be disadvantaged in using financial products.
Daol Savings Bank Customer Center: 1600-1482
OK Savings Bank’s OK Loan for Women is a product exclusively for women, including office workers, business owners, housewives, freelancers, and pensioners.
Not only women who can prove their income, but also housewives without jobs can use up to 50 million won based on their financial transaction history.
OK Savings Bank OK Loan for Women
Housewife OK Loan is a small credit loan product for married women without jobs. This is a small loan product exclusively for housewives that can be used by married women over the age of 30, regardless of income or employment status.
OK Savings Bank Housewives OK Loan
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The information contained in this blog is for general guidance only and does not replace professional diagnosis or analysis.
