Today, we will have a time to find out about the conditions of no-visit loans! It is said that life is unpredictable, and one of them is a financial problem of money.
A situation where you need money urgently comes at least once in your life. If an accident occurs without any extra funds saved, there may be situations where you have to pay the settlement money, and you may need cash urgently for the congratulatory money.
It doesn't matter if you have extra money in the name of emergency money, but there are a lot of people who don't, and even if you try to get a loan, office workers are busy on weekdays, so it may be difficult to take time to visit banks.
It is a very useful product for office workers if they meet the conditions of no-visit loans, which is perfect for office workers who have difficulty receiving loan consultations separately. It is also a cautious situation to visit the store in person while the aftermath of the coronavirus continues and new confirmed people are constantly coming out.
Therefore, commercial banks are expanding their financial operations through non-face-to-face channels such as Internet banking and mobile banking.
However, the loan business, which must 비대면 폰테크 be used when money is urgently needed, is difficult to solve in a non-face-to-face manner, so it is mostly small loans are made rather than large limits. Let's find out what kind of things they are with no-visit loan conditions!
A no-visit means a loan that does not require submission of documents and a visit to a store, but the conditions are not set to be strict. First of all, it must be at least three months in office and not more than seven grades in credit, so there must be no credit delinquency. And you have to have four major insurance policies.
Kakao Bank's emergency loan is famous for not being difficult in terms of non-visit loans, and you can use a limit of 3 million won for a year by issuing a guarantee. It's used in a negative way, and the interest rate is at least 3%. It has the advantage of being able to proceed in a very short time from applying for a loan to executing it.
As I said before, most non-face-to-face loans are small loans, so the limit is not high. Hana OneQ emergency loan can be up to 3 million won, and the loan period is a year in total. The interest rate is 4% and you can use the loan for up to 10 years by extending the period.
You can apply for the loan only if you have a Nonghyup deposit and withdrawal account, which can be used up to a limit of 3 million won and can only be applied if your communication grade is used and you are within 9th grade. The loan period is 3 years and the principal and interest can be paid in equal installments.
Woori Bank also handles emergency loans using telecommunications grades, which can be limited to up to 3 million won and can be used for a year. You can apply only when the transaction performance of Woori Bank is confirmed, and preferential interest rates will be reflected if the communication rating is excellent.
The loan product is available to office workers, professionals, and self-employed people aged 25 to 60 years of age, and the loan limit is from 5 million won to 50 million won, which is suitable for those who want a higher limit than emergency loans.
Today, we had a time to find out the conditions and types of non-visit loans. Most of them are small loans, but there are places that offer high limits, so please take a closer look at them according to the desired limits. If you are looking for a low interest rate, it is a good idea to look at Kakao Bank first, and the easy availability can come as a disadvantage, so a repayment plan before lending is essential.