핀크 비상금 대출By Reporter Kim Yun-seok
2022.12.18 13:12:43
Finq Emergency Loan is a mobile-only loan launched by Finq, a mobile financial service created by SK Telecom and Hana Financial Group, together with Daegu Bank, a leading financial institution.
Inquiries and contracts can be made via mobile, and you can choose between the lump sum repayment method at maturity or the minus account method.
Let’s take a closer look at the product details and application method for the Finq emergency fund loan, which has a maximum limit of up to 3 million won.
This loan is a mobile product launched by Daegu Bank and Finq, and you must have a Daegu Bank deposit/withdrawal account.
Regardless of occupation or income, people who are 20 years of age or older, meet the standard credit rating, and pass the bank’s screening can use the loan.
The maximum is 3 million won, the minimum interest rate is 7.56% per year, and the maximum is 5 years. Repayment is by lump sum repayment at maturity and negative bank account.
Those eligible for loans are Korean citizens and adults over the age of 20, and there are no restrictions on occupation or income.
However, the loan will be issued only if your NICE personal credit score is 459 points or higher and you pass the Daegu Bank loan screening process, which is automatically reviewed.
You must have a Daegu Bank deposit and withdrawal account, but please note that even if you do not have an account, you can open one immediately after the loan screening is completed.
The limit varies depending on the repayment method. Lump sum repayment at maturity can range from a minimum of 500,000 won to a maximum of 3 million won, and is applied differentially depending on the borrower’s credit rating.
The minus account amount ranges from a minimum of KRW 500,000 to a maximum of KRW 1 million, and as with the maturity date, there are individual differences depending on credit score.
The loan period is 1 year and can be extended up to 5 years, and the repayment method can be selected between lump sum repayment at maturity and negative account.
There are no separate loan costs, and the feature is that no fees are incurred even if you repay at any time during the loan period.
Interest rates are applied differently depending on the base rate and each customer’s credit rating, with a minimum of 7.56% per year and a maximum of 13.91% per year.
Finq Emergency Loan is a mobile-only product that can be applied for and executed after installing the Finq app on your smartphone.
It is convenient to set up a Daegu Bank account in advance before applying for a loan, and if you link this account to your Fink account, you can use unlimited free remittance.
Please note that if you apply without a Daegu Bank deposit/withdrawal account, you do not need to worry as you can open one immediately after the screening process is complete.
Finq Emergency Loan is a mobile-only product that can be applied for and executed after installing the Finq app on your smartphone. It is convenient to set up a Daegu Bank account in advance before applying for a loan, and if you link this account to your Fink account, you can use unlimited free remittance. Please note that if you apply without a Daegu Bank deposit/withdrawal account, you do not need to worry as you can open one immediately after the screening process is complete.
Total time: 5 minutes
Run the Finq app, log in and select the loan menu.
Select ‘Finq Emergency Fund’ from the lightning loan list in the middle of the screen.
After checking the product details, touch ‘Check my limit’, and if the joint certificate is ready, touch ‘Confirm’.
You can complete the application by following the procedures, such as verifying the limit through identity verification.
This loan can only be applied for and made through the Finq app, and if approval is not made on the same day, a new application must be made.
Limits and interest rates are applied differently depending on the borrower’s credit rating, and if you do not meet the lending standards, it may be difficult to get a loan.
Please note that the automatic transfer payment account and interest payment date you set cannot be changed.
Finq Emergency Loan is a first-tier financial institution loan product operated in conjunction with DGB Daegu Bank.
The maximum interest rate for late payment is 15% per annum.
This refers to a method where you only pay interest during the loan period and then repay the principal all at once when the loan matures.
Summary of Toss Bank emergency fund loan interest rates and application methods Kakao Bank emergency fund loan interest rates and application methods Hana Bank Hana 1Q emergency fund loan and application methods summary
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