Regarding the extension of Kakao emergency loan, we have summarized the total number of reviews posted on the DC site, the imposition and calculation of interest on extension, the impact of credit rating on extension, rejection and limitation of number of times. In addition, we have also summarized the shortcomings and repayment of Kakao emergency loan and interest-related contents. 카오뱅크 비상금대출 연장
Kakao’s emergency loan extension
Table of Contents jasminevista.com
Kakao Emergency Loan Extension Summary
Kakao Bank Emergency Loan Extension Dish
Kakao Bank’s Emergency Loan Extension Interest
Kakao Emergency Loan Extension Credit Rating
Kakao refused to extend the emergency payment
Number of Kakao emergency loan extensions
Kakao Emergency Loan Review
Kakao Emergency Loan Disadvantages
Kakao emergency loan repayment
Kakao emergency loan interest
Kakao Emergency Loan Extension Summary
Regarding the extension of Kakao emergency loan, I summarized the contents of the DC site and the factors affecting interest charges and credit rating in the extension.
In addition, we looked into the reasons for refusing to extend the emergency payment and organized the number of times it can be extended.
Kakao Bank Emergency Loan Extension Method and Number [Latest] 
n Dish
I summarized the contents posted on the Kakao Bank emergency loan extension PC site.
When asked that they have been extending it for three years, most of them said that it is possible to extend it unless they are credit delinquents.
Some of the contents said that if the emergency loan limit does not exceed 3 million won, it can be extended and used continuously.
It doesn’t seem like a problem at first glance because Kakao consistently earns interest income through emergency loans, but it can adversely affect credit ratings in the long run, and it can form the wrong habit of continuing to use debt, so it’s better to repay the loan as soon as possible.
Kakao Bank’s Emergency Loan Extension Interest
Let me summarize some things about Kakao Bank emergency loan extension interest.
It doesn’t matter if you don’t pay interest separately when extending the Kakao emergency loan.
As before, you can use it as much as you need, and interest is calculated according to the loan limit and withdrawn from your emergency loan account every month.
Interest rates may rise if the Kabang emergency loan is extended.
The method of determining interest is determined by calculating the base rate + additional rate – preferential rate.
If you extend the emergency loan, you will apply the additional interest rate according to your credit rating to the changed base rate and apply it after adjusting the interest rate.
Please note that interest rates do not change as fixed interest rates are applied for one year after the loan extension.
Currently, the standard emergency loan interest rate is about 6.4% to 15% per year.
Base rate 4.6% per annum
Additional interest rate of 1.8% to 10.3% per year
0.1% per annum of preferential interest rate
2 ways to check your free credit rating
Kakao Emergency Loan Extension Credit Rating
Let’s find out about Kakao emergency loan extension credit rating.
If the credit rating is low when extending the loan, the additional interest rate may be set high.
If the additional interest rate is high, interest application may eventually increase when extended.
Extending the emergency loan does not adversely affect your credit rating.
However, no matter how small a loan is, such as a non-payment loan, if it is delayed voluntarily or intentionally, it can be fatal to a decline in credit rating.
The most negative factors among credit ratings, that is, credit scores, are loan delinquency, interest delinquency, and communication expenses.
Kakao emergency loan is a negative bank account that can be used freely within the limit, so be careful not to be overdue by accidentally withdrawing the loan interest to the maximum limit.
Please be careful that approval for Kakao emergency loan extension may be rejected if delinquency becomes frequent.
Kakao refused to extend the emergency payment
Let’s find out the reasons for refusing to extend the Kakao emergency payment.
I summarized some of the most representative reasons for refusing to extend the Kakao emergency payment.
First of all, if you miss the time when you can extend your emergency loan, the extension may naturally be rejected.
In addition, the extension may be rejected even if the number of extensions is exceeded
For your information, Kakao Bank emergency fund loans have the advantage of not having a limit on the number of extensions.
If you have a lot of loans in the past, it is likely to be rejected, especially if you have a lot of credit loans.
Finally, if a loan is overdue, including emergency loans, communication fees, or card fees, it may be rejected for an extension, and even if the credit score falls due to delinquency, it is most important to use it without delinquency when using loans.
Kakao Bank emergency loan review summary [repayment, parents]
Number of Kakao emergency loan extensions
There is no separate limit on the number of Kakao emergency loan extensions.
If you apply for an extension before the expiration date, you can approve the extension if you do not proceed with procedures such as credit delinquents, personal bankruptcy, and personal rehabilitation.
However, since there is no limit on the number of Kakao emergency loan extensions, the willingness to repay the debt may weaken.
No matter how small the emergency loan is, it is necessary to make a habit of paying it back as soon as you have money and minimize debt.
Since emergency loan can be conveniently used as a negative bankbook, there are some cases where it is not recognized as a debt.
Rather than continuing to extend emergency loans, it is important to repay as much as possible, even if it is small, and to have a habit of reducing debt.
Kakao Emergency Loan Review
Let’s find out about the disadvantages, repayment methods, and interest payments related to the Kakao emergency loan review
Kakao Emergency Loan Disadvantages
The disadvantage of Kakao’s emergency loan is that the loan limit is up to 3 million won, which is smaller than expected.
Also, as emergency loans are used in the form of negative bankbooks, I don’t think it’s a loan.
Although convenient, it also acts as a disadvantage of continuously and habitually extending the loan because it does not feel the need to repay the loan.
Also, the emergency loan repayment method is a temporary repayment method of the maturity date, so it is almost impossible to cancel the emergency loan unless you make up your mind and save money.
It is said that there are cases where emergency loans are considered deposits rather than loans because they are small and convenient.
The biggest drawback of Kakao’s emergency loan is that it does not repay the loan in the long term and continues to hold debt.
Where can I borrow emergency money for the unemployed?