The most viewed post on my blog is about Kakao Bank’s credit loan interest rate.
It seems that you have a lot of worries and interest in loans because of the strict regulations and interest rate hikes.
Kakao Bank Credit Loan Maturity Extension Interest Rate 토스뱅크 마이너스통장
I got a credit loan from Kakao Bank and am using it usefully, but as it is every year, as the expiration date approaches, I have sent a notice…
So, I would like to compare the loan interest rates of negative bankbooks of K-Bank and Toss Bank.
In order to secure maximum liquidity, each Internet bank has opened a loan account, so comparison is possible. 이베이스매뉴얼
Kakao Bank
As I have already revealed, my Kakao Bank credit loan interest rate is 4.293%.
Considering that the interest rate of a negative bankbook loan is usually 0.5%p higher than that of a general credit loan, if I take a negative bankbook loan from Kakao Bank, the interest rate is expected to be in the high 4% to 5% range.
Kakao Bank’s negative bankbook loan product introduction also suggests the lowest interest rate at 4.14%. It seems that negative bankbook loans are not handled below 4%. The maximum is 3 million won, which is not a big deal.
Kakao Bank Minus Passbook Product Description
Toss Bank
Toss Bank received a negative bankbook loan at an interest rate of 3.77%. Please take into account that there is a time lag as the interest rate was determined about 3 months ago. As the interest rate is variable on a 3-month cycle, a notice of an interest rate hike may come soon.
Toss Bank minus passbook
According to the product description of the negative bankbook loan confirmed on the Toss Bank mobile home, the lowest interest rate is 4.37% and the maximum is 150 million won.
It is not easy to get a negative bankbook loan at the low 4% level at Toss Bank. However, it can be seen that the loan limit is generous compared to Kakao Bank.
Toss Bank Minus Passbook Loan Product Description
K bank
K-Bank’s negative bankbook loan interest rate is 3.76%, the lowest among the three internet banks. This is also the interest rate that was set about 3 months ago, so there is a little time lag.
K-bank minus passbook
According to the product description of negative bankbook loans currently introduced by K-Bank, the lowest interest rate is 3.92% and the maximum is 200 million won.
Among the three internet banks, the interest rate is the lowest and the limit is the highest. The conditions are the best.
K-Bank Minus Passbook Loan Product Description
So far, we have compared the interest rates on credit loans or negative bankbook loans of three internet banks.
Each bank can be evaluated relative to the following:
Kakao Bank has high interest rates and low limits.
Toss Bank has a moderate interest rate and a large limit.
K-Bank has low interest rates and high limits.
However, these evaluations may only be valid as of now. As time goes by, the lending policies of banks are bound to change, and the pros and cons of each bank’s loan conditions can vary.
(I don’t have any stake in K-Bank, so I hope there is no misunderstanding. ^^;;)
And make your loan decisions wisely and wisely. Excessive debt is a burden on households.