Most of the opening of a negative bank account (limit loan) is determined according to an individual’s income and credit rating.
The method of opening a negative bank account that I introduce is the method I personally did, and I think it will still be possible now.
There are only two conditions for opening a negative account at KB Kookmin Bank. 국민은행 마이너스통장
First, 100 million won in cash
Second, you just need to be an MVP star in the KB Star Club system. 이베이스매뉴얼
We will introduce how to open a negative account under the above two conditions.
I deposit 100 million won in cash, the first condition, by opening two general deposit and withdrawal accounts at the branch of Kookmin Bank where I want to trade.
The reason for opening two deposit and withdrawal accounts is one for a negative account and the other for depositing 100 million won.
Here, in order to receive preferential interest rates in a negative bankbook later, we recommend that you open a savings account and then make monthly automatic transfers from an account with 100 million won.
These days, it is difficult to open an account if there is no income verification such as a salary passbook or card payment. It is better to bring the necessary documents in advance.
The second condition is that after 3 months have passed after depositing the above 100 million won in cash, you will become an MVP star in the KB Star Club system.
The picture below is my MVP rating calculation score.
Currently, Kookmin Bank, Kookmin Card, and KB Securities exceed 10,000 points in the combined performance of the MVP rating.
In my experience, Kookmin Bank deposit and withdrawal account performance has the best score.
Then, you can use the non-guaranteed credit loan service (based on the bank’s personal rating, up to 200 million won) among the preferential services of the MVP star rating.
To tell you my standards, I already had a negative account with 50 million won of credit at Hana Bank, and I also had a mortgage loan, but I opened a negative account with this non-guaranteed credit loan service with a limit of 96 million won.
In my opinion, this non-guaranteed credit loan service seems to make as much as the deposit because the person already has money in the bank.
To secure liquidity while doing business, by creating a negative bankbook like this, we were able to secure liquidity of negative account opening limit + deposit/withdrawal account (100 million won) = 196 million won.
There was no burden because I only used the negative bankbook when I needed it.
Please use only those who really need it.
Advantages
1. Once you reach the MVP level, you can use the branch VIP lounge instead of the general counter.
2. No documents are required when opening an additional account.
3. You can use the safe deposit box for free. I’ve personally used it, and the security is good with vein authentication, and it’s really good for storing valuables.
4 . All banking fees are free.
5. Funeral supplies support service: If you send a death certificate and family relationship certificate to the bank, the supplies will be sent immediately.
6. Deposit interest rates are preferred, and the basic annual fee of Kookmin Card is exempted.
Disadvantages and cautions
1. In order to use the negative passbook continuously for more than one year, the bank’s personal rating standard must always be maintained at the MVP rating. Please note that 100 million won in cash must be deposited in the bank to maintain the rating.
Deposit and withdrawal accounts have different performance calculations, so in order to maintain the grade,
1 billion must be deposited.
2. In order to receive the negative passbook preferential rate, you must receive preferential rates for Kookmin Card usage (0.3%), salary transfer (0.3%), automatic transfer (0.1%), Star Banking (0.1%), and savings account (0.1%). If you can, get it.
Dedicated card for Kookmin Card usage performance: Recommend to issue a financial point recard (mobile card recommended)
3. If the bank’s rating does not maintain the MV rating, it may not be possible to extend the negative account after one year.
KB Star Club: We provide preferential services according to the usage performance of KB Financial Company.
Negative bankbooks have fixed income
Among the loans used by workers
One, so-called magic hole
I can even express it!
borrow a certain amount of money from a bank
Ordinary loans with monthly repayment
Otherwise, as much as the limit in your account
A negative passbook that can be found
As a concept that arises, from the first finance
I know that there are even 3 finances,
1 financial institution as much as possible
It’s best not to leave, right?
Today, many of the 1 financial
KB Kookmin Bank used by thugs
negative passbook
Subject to issuance/required documents/conditions
Let’s learn more about it’
What is a negative account?
In common sense, the amount of the deposit in the account
You can find and spend money, but this matong
Even if the balance in the account is 0 won,
If you have pierced the magic box, you can spend as much money as possible.
I can withdraw
in the shadow of the account being traded
The concept of limiting
If I made a mage
If the balance is 0, but you spend 1 million won
-100 million won is the concept of being stamped in the bankbook.
It is not a monthly payment method.
Limit on existing accounts
It is a concept, so it can be used freely
If you write without thinking, you think indiscriminately
You may have more debt than you need.
Please think carefully before using it!
Kookmin Bank negative passbook
Subject to issuance
I usually go to the bank’s website.
If you look for a negative account
Related products will not come out well
In this case, the repayment method is lump-sum repayment.
You can find the product that comes out.
KB Star credit loan is one of them.
This product is available with a maximum limit of 2 million won.
But you know? personal creditworthiness and
Limits vary depending on your financial situation.
As far as the highest possible number
Consider it and see.
[Issuance conditions]
– Employees who have been in the current job for more than 12 months
-KB Kookmin Bank’s main customer
– Annual income of 24 million won or more
-Credit Rating 1~4
The issuance condition is
Working for more than 1 year and receiving a salary
It is possible if you are a certified employee.
Usually at the bank that accepts the monthly passbook.
Will you make a negative account as well?
I think you can refer to it.
Credit rating of Kookmin Bank
It is said that it is possible from 1 to 4 grades.
Grade 5 or higher also depends on individual circumstances.
Issuance is possible. Basically
The conditions are rather strict.
Running a business without going to work
At least 2 years for self-employed business owners
Proof of business experience
It’s possible
Required documents for KB Kookmin Bank
– Income proof
(receipt of labor resource tax collection,
Income Amount Proof, Salary Passbook)
– Employment documents
(Certificate of Employment,
Health insurance qualification certificate)
-ID
(resident registration card, driver’s license, passport, etc.)
Kookmin Bank negative passbook
Documents required for general loan
You have to submit everything.
Each bank is different, but basically
documents proving income;
Proof of employment and ID as required documents
I’m requesting
Former employee withholding tax receipt,
Certificate of employment with the company lining,
Health insurance qualification certificate, identification card,
I submitted 4 of these
There is a limit for negative bankbooks
So whenever you need it
Withdraw money freely
Repaying is slightly different depending on the situation.
You can repay it right away, or you can repay a portion of it.
There are no restrictions because the form is free
There are advantages
However, this is the monthly repayment to the bank
Because it is not a regular loan with limited conditions
If you use it without thinking, you will end up in reckless debt.
Think carefully about what could happen
I like to use it
Also, if a negative passbook is issued,
Later, for an apartment payment, etc.
When taking out a loan, the limit
It can be reduced, so be aware!