Kookmin Bank minus bank account conditions and opening method
Kookmin Bank’s negative bankbook can be used by KB employees or by converting a credit loan product called credit loan to a negative bankbook system. Loan rates and limits vary depending on the loan method. 국민은행 마이너스통장 Depending on your loan repayment plan, please choose an advantageous method between a credit loan or a negative bankbook.
Credit Loans for KB Employees 이베이스매뉴얼
division
Contents
Loan type
Automatic loan from general passbook
Loan Qualifications
If you are an employee, you can apply
Loan limit
within 1 billion won
loan term
One-time repayment (1 year/maximum 10 years)
repayment method
lump sum repayment
loan interest rate
3.72 ~ 5.21% per annum
Kookmin Bank negative passbook conditions
▷Excellent employee selected by Kookmin Bank for 3 months or more at the current job
▷ Ordinary employees with a tenure of 6 months or longer
(However, full-time public officials, including those who passed the final exam, military personnel with middle or higher grades, and teachers can apply regardless of their tenure.)
KB Credit Loan Interest Rate Limit
▷ Loan interest rate is 3.72 ~ 5.21% per annum
In case of automatic loan from comprehensive bankbook, 0.5% interest rate is added. The final interest rate is applied differentially according to the base rate, additional interest rate, and performance-linked preferential rate.
▷ Loan limit up to KRW 100 million
However, for first-time social workers with less than 1 year of service, the maximum amount is KRW 50 million.
How to open a negative bank account at Kookmin Bank
Kookmin Bank KB employees can apply for a credit loan without face-to-face through the KB Kookmin Bank Star Banking app.
Kookmin Bank negative account review
Kookmin Bank’s minus passbook can be obtained by selecting the automatic general passbook loan method from the credit loan, whether you are a KB employee or a KB employee. Since negative bankbooks have a structure in which interest increases with compound interest, we recommend that you proceed with a credit loan if your repayment plan is more than one year.
About this time last year, I was so passionate about opening a negative account – this time, the deadline for my negative account at Kookmin Bank came.
What are the numbers that start with 02- for local people?
“It’s an unanswered number.”
I refused twice like that, but I got a call from the same number twice, so I looked it up and it was the Kookmin Bank call center..!
Oops, I think it’s time to extend the minus – I wanted to connect to the app!
Access the KB Star Banking application and go to Financial Products > Loan > Management, and you will find a menu called Extend Loan Period.
You can apply for a loan extension from one month before the loan maturity date.
Then, check the extension possible.
I knew it
what’s your credit score?
what’s your job? (How much income?)
Are you overdue?
If you check the required consent to provide information such as
These cuties appear.
If you wait here-
What?
Am I rejected now?
Because I didn’t answer the call center call.
Recognize that recently extended loans already exceed annual income
Because it is not the main bank.
I couldn’t figure out why, so I called the call center.
“For extension, please visit the nearest branch with documents.”
Maybe.. is there any other way without visiting? I said
They say there is no way.
Documents such as an abstract, employment confirmation documents, and income confirmation documents are required.
I promised to send you the documents again via text message, but I haven’t received a text message until today..
(I wondered why it was necessary, but in the end it was okay not to prepare)
It’s been 3 weeks since I was rejected like that.
When do you go to the bank? Why not extend it? Shall I? After thinking about it, I decided to go in a hurry today!
As you may know, banks, especially loan windows, have longer waiting times and longer working hours…
Again, I couldn’t eat and devote all my lunch time.
First of all, the loan extension preparations!
Employment confirmation document (= certificate of employment or confirmation of health insurance qualification)
Income verification document (= earned income withholding tax receipt or proof of income amount)
The employment certificate or wage and salary income withholding tax receipt must be issued by the company. It’s hard to even talk to the company,
So, I received the confirmation of health insurance qualification and income amount by fax through the Health Insurance Corporation app and the Hometex app.
After waiting for 20 minutes, I was able to get to work.
I came here like this, and I think it would be too unfair if the extension was not made, so I hope it can be extended even if I reduce the amount a little – pounding.
In fact, as of the current time, the rate of exhaustion of the limit on the negative account was 0, so I was even more nervous.
I think I’ll be using it more from now on?! (I was thinking of saying this lol)
Write your name several times, write your address, write the amount – finally the extension is complete!
In case of automatic extension when the next deadline is extended
If the average loan limit usage rate is 10% or less up to 3 months before the maturity date, 20% of the loan limit contract amount is reduced.
(However, if the loan balance as of the extension date exceeds 50% of the contract amount, it can be extended without a reduction)
It is called.
Again, interest rates have risen.
I think this is an unavoidable part of the recent increase in the base interest rate. Still, the added interest rate has been lowered, so I’m liking it a bit?!
I did not hear the explanation of the preferential rate, but I wondered if it was not explained because the preferential rate disappeared, or if it was not applicable, or if it should not be met in the future, but time went by.
The extension was rejected on mobile – but I extended it safely at the window.
Of course, there are different results depending on the individual’s debt, delinquency history, credit rating, and income.
Kookmin Bank negative bankbook documents, interest rates, and conditions OHROSE Economic Column
Now it’s finally December. It’s the last month of 2021. When we talk about how fast time goes by, it is natural to say that time has already passed like this. Corona time seems to pass faster. At the time, I had a very difficult time with all kinds of difficulties, but when I look back, time passed so quickly that I wondered if it had passed again.
Even now, I am still busy and fiercely living, but I think I am living my dream with a little more hope this month than last month. That alone makes me happy and satisfied. There will be a feeling of the end of the year on the streets, and related programs will be shown on TV. I hope that everyone will be happier next year.
This year and last year, these two years, I guess that the most people received the largest amount of loans in the past 10 years. It’s been too hard, and I still have to work harder. I can’t solve all financial problems alone, so I need some help. It was a difficult time as there were too many people doing it, and regulations came and went. I think you must have searched a lot to figure out how to get money somehow.
There are many ways to receive money other than salary, but it is not easy to get it once you meet the conditions. I often come back after only hearing that this is not possible, that this is not possible, and that it is not. However, if there is a place where the baseline is less demanding, there is a negative bank account.
I didn’t know it either, but a negative bankbook refers to a single loan-loan method. The loan/loan method we are familiar with refers to a method of receiving and spending large amounts of money at once. Matong refers to a method of opening an account at a bank and using it when needed.
Among them, today I would like to learn about the negative bank account of Kookmin Bank. If your main bank is Kookmin Bank, please refer to it. Even if it is not Kookmin Bank, the standards for negative bankbooks do not differ greatly from bank to bank, so you can take a look at it as a reference.
It has been a difficult year for those who hate debt, will only use cash, and have never used a credit card, but have to look for alternatives. It is said that alternatives are readily available, but in the same way, Kookmin Bank goes through a screening process in order to obtain an issuance. It would be good if it was a standard for people in need of money, but since a bank is not a charitable place, it is judged based on financial standards.
First of all, let’s take a closer look at the meaning of negative account.
<What is a negative bank account?>
This passbook, often called ‘Matong’, may not be familiar to those who have used the passbook only for deposits and withdrawals or deposits. Matong is also a kind of Dae*chul as we know it. However, unlike general passbooks where 0 ~ + how much is stamped on the passbook, the matong is marked with a minus sign, so it is often called a minus passbook.
Matong means that you can borrow money at any time within the limits set by the bank. It is different from a typical loan-lending where you borrow a large amount at once and pay the corresponding interest.
Let’s find out the difference between the general Dae, Exodus and Matong in more detail. Why do people prefer Matong?
<Difference between general loan and maton>
First, let’s focus on the advantages. Mattong said that you can borrow it at any time within the limits. Even so, I don’t have to go through the complicated process of applying and getting approval every time I borrow. If your limit is 50 million won, you only need to apply when you set the limit at the beginning, whether you spend 10 million won in 5 separate installments or at once. The advantage is that it is not cumbersome.
Also, it can be less burdensome because interest is paid as much as you spend, rather than the entire amount of the limit.