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Today, I will tell you in detail about K Bank’s loan products, the overdraft account loan. This product is a product that you can use whenever you need it. Now, I will tell you in detail about the application conditions, qualifications, limit, interest rate, repayment, application method, and reviews of the K Bank overdraft account loan.
This product is an overdraft loan that you can apply for quickly without a joint certificate. The simple summary of this product is as follows.
The basic loan application conditions are that you must be a salaried worker with at least 6 months of employment and an annual income of at least 20 million won who has subscribed to the National Health Insurance, and additionally, you must be a low- to mid-credit customer who meets K Bank’s internal screening criteria. However, please note that some customers can apply for a loan even if they have been employed for less than 6 months.
For the reasons for not applying for this product (rejection), please refer to the information below.
👉👉 Go to K Bank homepage
The maximum loan limit is 200 million won. The loan interest rate is applied from a minimum of 6.01% per annum to a maximum of 15.00% per annum. The final applicable loan limit and loan interest rate are applied differentially depending on the individual’s credit rating, repayment ability, and loan conditions.
The loan period is basically 1 year, and can be used for up to 10 years in 1-year increments. The repayment method is the limit loan (overdraft account) repayment method. This repayment method is a method in which you can withdraw the loan amount from your account if necessary during the loan period and repay it all at once at the loan maturity.
To apply for an overdraft account loan, download the K-Bank app using a mobile phone in your name and then proceed with the loan. When applying for a loan, you can easily apply in about 1 minute without a joint authentication certificate.
👉👉 Download K-Bank app Android
👉👉 Download K-Bank app iPhone
If you look at the reviews of this product, there are reviews that say it is easy to apply without a joint certificate, it is a product that can be taken out whenever needed, it can be used for up to 10 years, the loan limit is high, the loan application conditions are not difficult, the loan approval rate is high, and it can be applied for non-face-to-face.
If you applied for this product but were rejected or the conditions are not met, or if you want to look into other products, we will tell you about alternative products. If you are interested, please check the article below.
This product is an overdraft account loan that can be used at a low interest rate. The loan limit is up to 300 million won, and the loan interest rate is 6.13% per annum for fixed rates and 6.11% per annum for variable rates. If you want to know more about this product, please check the article below.
>>Woori Bank Overdraft Account Creation Loan Application Conditions, Methods, and Reviews
This product is popular because it can be used at a low interest rate, and the loan limit is from a minimum of 1 million won to a maximum of 150 million won. The loan interest rate is applied at a minimum of 6.5% per annum. If you want to know more about this product, please check the article below.
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We have learned about K Bank Overdraft Account Loan in detail so far. If you would like to know more about this product, please call K Bank Customer Center at 1522-1000.
