1 Financial sector If you have ever received a loan from a commercial bank, you will know it well, but the terms and conditions of the loan are rather strict. Of course, interest rates are low and there is little change in creditworthiness, so you are using it a lot.
Those who plan to have a negative bank account with Toss Bank will consider these three factors: 1) interest rates, 2) limits, and 3) qualifications. It would be nice if it came out as much as you wanted, and it would be even better if the interest rate was also applied to the preferential rate. If there are products that meet my criteria in terms of tenure or annual income, I will probably apply right away. 토스뱅크 사장님 마이너스통장
The conditions are quite good as Toss Bank has just been established. Low-income earners can apply as long as their annual income is 10 million won or more within 3 months of employment.
The maximum limit is KRW 1.5 million. Depending on your credit rating, the limit you can receive will vary depending on your bank’s internal rating or loan conditions. 이베이스매뉴얼
However, I am trying to find out the conditions for negative loans at Toss Bank, but seeing that emergency loans are also available, it seems that they are trying to secure loan customers.
How to open a Toss Bank minus account and how to apply for interest, limit, and extension▼
Learn how to open a Toss Bank negative account and how to apply for interest, limit, and extension
Are you looking for the conditions of Toss Bank negative account? The advantage of a negative bank account is that you can easily find it when you need money, and you can easily deposit money whenever you have spare time. Of course, you can easily find cash advances or credit card loans, but…
You must be well aware that a negative account is one year. After one year, we have to choose between paying off the loan and ending it or extending it. Or, there may come a situation in which you need to apply for an increase in the limit because you need more limit in the middle of the loan.
Applying for a limit increase is not enough. Of course, the same applies to extension requests. If you check the related articles above, you will be well informed about this information, so please refer to it.
Comparing the negative loan conditions of other banks with Toss Bank’s negative bankbook loan, I wonder if it will be possible to use the loan with better conditions such as interest rates and limits.
I want to get a loan at a low interest rate
There is also an expected output, so I would like the interest rate to be as low as possible. Then I wonder which product to use.
If we look at the financial sector first, the interest rate in the first financial sector is probably lower. 1Since not all financial institutions are the same, it is recommended to use the bank that I mainly deal with.
In order to lower the interest rate, a preferential interest rate should be applied. Generally, if you apply for automatic salary transfer, various utility bills, and transfer of apartment management fees, you can receive a preferential interest rate.
In order to get a low-interest loan, you need to have good credit. This is because people with low credit cannot use 1 financial banknote.
I want to borrow a small amount, can I borrow at night?
You can think of it as a 24-hour overnight loan. You can apply for a loan by mobile because you do not have to go to the bank with documents anyway. So, even on weekends when the bank is closed, you can apply for a loan and receive money into your account.
A small loan is a loan that is less than 3 million won in general. With this amount of money, you can use it even with a simple credit inquiry without proof of income, so if you are satisfied with the loan limit and applied interest rate, you can apply for a loan and receive the deposit immediately.
Where can I find a micro-minus loan?
It sounds like you don’t need a lot of money. How much do you want for a small amount? If you want a negative method, you are referring to the method of adding and subtracting when you want, and there are many such products.
Some products have a maturity of 1 year and can be extended up to 5 years. Banks also sell micro-minus loan products, so there are products with low interest rates.
But the most important thing is your credit conditions, so you should know that interest rates are applied differently depending on your personal credit rating.
I made a lot of loan inquiries, can I get a loan?
I do not know whether a loan is possible or not, so I try to inquire through the mobile app or through a loan broker.
However, this can also be a problem if you do too many lookups. Because in order to get a loan, you must do a credit check, and as those of you who have looked at each item in detail on the All Credits will know, this can be detrimental to those who over-inquired about the loan because the inquiry history remains.
Usually, those who can easily use 1 financial banking products such as Toss Bank’s minus bankbook loan do not excessively inquire whether I can borrow or not. People with low credit ratings and high expectations for this type of financial institution, with such a desperate heart, inquire about this financial company many times.
Confused about whether to use Cabin Matong or Tobain Matong?
I have been using Cabin Matong for several years. It was raised to over 100 million by paying stamp duty. But since last year, interest rates have risen so much. I actually posted it.
If you are curious about ‘Kabin’s reverse discrimination of matong interest rates’, please refer to the post below. To put it simply, the loan interest rate is increased and the limit is reduced for those with high credit, and the interest rate is preferential and the limit is increased for those with low and medium credit.
Kakao Bank negative passbook interest rate – Rising interest rate in Cabin Matong ‘reverse discrimination’
Cabin Matong interest rates have risen again. I rose 38.5 bps. It belongs to the top of the credit score, and if that is the case, there are many people with low credit…
I’m 4.343% all over the place. This is measured differently depending on the individual loan size and creditworthiness. The final interest rate is determined by adding an additional interest rate to the three-month financial bond as the standard interest rate.
Kakao Bank’s additional interest rate 282.7bp (2.827%)
very high. So, the final interest rate is 4.3%.
First of all, in the product description, the maximum is 30 million won and the minimum interest rate is 3.72% per annum. There is no one around me who accepts that interest rate hahahaha
Toss Bank additional interest rate 230bp (2.38%)
Toss Bank’s added interest rate is low. It’s almost 0.5% lower. So, my final return on Tobain Matong is 3.94%.
The limit for this is set at 1.5 billion in the product description. I’m already using Matong in another place (Kabin), so it didn’t come out that much. Two hundred and fifty thousand.
Is there any reason not to pay Cabin Matong by opening a Tobain Matong? So I opened a Tobain account yesterday and started working right away.
In fact, this process would be very inconvenient. So I’m posting it instead.
The world uses that annoyance to make you lose money without knowing it. How much would it be if I borrowed 150 million won at a 50bp (0.50%) low interest rate even though I don’t already have a mateong?
‘750,000 won per year 6.25 million won per month’
Well, depending on the person, it may be a small amount of money. Isn’t that a lot of money for the money you save in 5 minutes?
‘Simple arithmetic. 9 million won in hourly wage
Assuming that you receive 750,000 won in 5 minutes, converted to an hourly wage is 9 million won.
Today, I would like to introduce Toss Bank CEO’s negative account. Since its launch on May 11th, the loan amount has exceeded 40 billion won in 4 days, and it is gaining great popularity among individual business owners.
So, today, we are going to find out why the Toss Bank CEO’s negative bankbook is so popular. In addition to this, if individual business owners use it, we will introduce government-supported loans, etc.
So, if you are a sole trader who needs a loan, please read this article to the end.