It must have been around October of last year.. After hearing the news that the loan was blocked, I thought I should open a negative bank account, so I was looking into this bank and that bank. It was the time when Toss Bank opened, and it was very easy to open and the interest rate was not bad, so I opened a negative account at Toss Bank.
The condition at the time was a limit of 46 million won and the interest rate was 3.34%.
I tried to open up to 50 million won, but the salary was low, so the limit was only up to 46 million won. 토스뱅크 마이너스통장
Actually, I didn’t have to spend money until I got a loan, but there are several reasons why I opened a negative account. 이베이스매뉴얼
First, investing in public offering stocks
Last year, I made a lot of pocket money by investing in public offering stocks. In addition to the equal allocation, I was aiming for a proportional allocation by pouring cash, but wouldn’t it be better to open a negative account and use it for a short time because there is no end to human greed? I have come to the thought of Although the Matong interest rate has risen to 3.76%, assuming it is used for two days, it is about 9,500 won, so I think it is still worth using. Of course, you have to look at the competition and jump in.
Second, prepare for sudden expenses
There are times in life when you suddenly have to spend a lot of money. Wouldn’t it be better to prepare in advance because our lives are full of uncertainties such as family events, hospital expenses, house purchase costs, and vehicle purchase costs.
Third, if not used, the cost is zero
This is the reason that follows the second reason, but in the end, if you open a negative account and do not use it, the cost is zero. So, is there no reason to make it? It is free to open or cancel.
In any case, the rate of interest rate hikes is not unusual. I need to study and study so that I can use it as an opportunity to increase assets in preparation for an interest rate hike. That’s all for today.
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I was told that a new internet bank would be launched, so I took a waiting number and waited.
There were 500,000 people waiting in front of me, but I kept waiting, saying that if I waited, my turn would come.
But when it is my turn, a notice appears that the service will be discontinued.
Reading other people’s articles, such as Toss Bank’s negative bankbook loan, credit fund review, etc.
There is a difference in using the words collecting and borrowing instead of the words savings or loan.
It was my turn, but it was announced that the loan service had to be suspended until the end of this year due to measures taken to stabilize household debt.
Instead, it says that my limit management service can still be used.
I said that I could check in advance how much I could borrow, so I decided to try this.
After entering the Toss app and receiving all the latest updates, you can see that a category called Toss Bank has been created.
Before applying, I created an account and applied for a card, but the card could not be opened.
I guess it’s because I don’t have enough credit.
I got a text message saying it couldn’t be made at Hana Card, but I can’t remember whether I applied from Toss or from another place.
Do you think Toss has some kind of partnership with Hana Card?
I just had a Toss Bank card, so I passed because it was a debit card, and I just went to borrow and checked how much I could borrow.
You can click Borrow in Bankbook, Collect, Borrow, and click Find out in 1 minute below, and the evaluation will be done automatically.
Instead, you have to log in with a joint certificate, so you need to install the certificate on your smartphone.
Judging takes less than a minute.
When I click on it, the screen above appears for a moment and then moves on to the next one.
Well, here are the results.
It says that there are no products available to borrow today.
Whether this is only today or tomorrow is possible is written in a very vague way like x.
They say that they can’t borrow according to the credit rating standards, and that they can’t because their annual income is low.
There was no clear answer as to whether something would change at the end of the year or if I could not borrow at the end of the year.
Anyway, I understand that it’s not possible and I’m just trying to apply elsewhere.