전업주부 신용대출 가능한 곳We have organized it so that you can check from the first financial sector to the second financial sector and even the products of large companies. Since the approval of loan products is important, but the interest rate is really important, if you are going to use the same amount, it is better to apply for a lower interest rate.
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It will be helpful to check and compare the places where housewife loans are available by dividing them into emergency loans from the first financial sector, housewife loans from the second financial sector, and products handled by large companies.
It would be best to use small products from the first financial sector with low interest rates, but in the case of people with low credit, it is difficult to handle, so you can use products from the second financial sector or large companies depending on the situation.
The representative first financial sector housewife loan is not a product exclusively for housewives, but it can be considered an emergency loan that can be handled by unemployed people who do not engage in income-generating activities. Therefore, it can be used even if you are a full-time housewife and have no income.
Most products are limited to 3 million won or less, and they are characterized by the fact that they can be applied for and used easily and conveniently on mobile without submitting income verification documents.
The emergency loan handled by Kakao Bank is one of the loan products that many housewives are already using, and it is characterized by its considerable convenience.
You can use it regardless of your occupation or income if you can issue Seoul Guarantee Insurance securities. However, it is characterized by the fact that it is practically difficult for housewives with excessive loans and poor credit ratings to use it.
Woori Bank’s emergency loan is also one of the representative housewives’ loan products that can be processed regardless of occupation or income, and it is characterized by the evaluation based on the telecommunications rating.
This product can also be used up to 3 million won, and you can apply on mobile, but even if you look at the telecommunications rating, the bank’s internal credit evaluation is also conducted, so it may be difficult to handle depending on the situation.
Starting with the secondary financial sector, there are products that are openly sold as housewives’ loans. Of course, the interest rate is higher than that of the first financial sector, but it is true that it is easier to use.
We will check the details of each housewife loan in the second financial sector, so please understand the details of each product and compare them.
OK Savings Bank is currently providing loans to housewives with a product called Housewife OK Loan. Housewives who are 30 years of age or older and have a NICE credit score of 351 or higher can apply.
You can repay with a relatively generous period of up to 10 years, and the loan limit is up to 5 million won, and the interest rate starts at 17.8% per annum.
SBI Savings Bank’s Speed Loan is also one of the housewife loan products that housewives can use. You must be 20 years of age or older and have a NICE credit score of 350 or higher.
This is a housewife credit loan product that can be used up to 5 million won and has an annual interest rate of 12.8% to 19.99%.
Mizusarang is one of the representative women’s loan products and is handled by OK Capital. The limit is given from 1 million won to 50 million won, but it is difficult for housewives without income to use the maximum limit.
It can be used for up to 10 years and has an annual interest rate of 9.9% to 19.9%, and can be used by choosing to repay the principal and interest in equal installments or a lump sum at maturity.
A large loan can be considered the last option when it is difficult to use even the second financial sector, but in this case, you must first remember that you must use a company that is officially registered. Below are housewife loan products handled by officially registered places.
It is characterized by being available to freelancers and housewives under the product name of Full Leaf Loan. There must be no delinquency and the applicant must be between 20 and 60 years of age.
The maximum limit is 15 million won, but in the case of housewives whose income is not confirmed, the limit will be 3 million won. The interest rate is applied within 20% per annum and repayment is free.
Leadcorp is a loan product that can be used based on its own credit evaluation regardless of income, and can be used up to 30 million won.
It can be used for up to 5 years with an interest rate of 20% per annum, and there is no intermediate fee for lump-sum repayment at maturity, so you can repay freely.
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In the case of large business loans, it is safe to proceed through a registered place. Today, we will take a look at the products of the top 5 selected small business finance companies among large business companies. Seomingeum
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