케이뱅크 청년전세대출If you compare the terms of Kakao Bank and K Bank’s jeonse loan, they offer similar terms overall. However, there are some differences in the detailed limits and interest rates, so it is important to choose a product that suits your conditions.
Kakao Bank and K Bank’s jeonse loan products offer similar terms in terms of loan target, limit, and interest rate. However, there are some differences when you look at them in detail.
First, Kakao Bank has an SGI jeonse deposit loan product, which targets apartments with KB Real Estate Market Price. On the other hand, K Bank does not have such a product.
There is also a difference in the loan limit. Kakao Bank’s SGI loan is 80% of the rental deposit, up to 500 million won, but it is limited to 300 million won for a couple with one house. In the case of K Bank, both jeonse loans and youth loans are 90% of the rental deposit, up to 200 million won.
In terms of interest rates, both the base rate and the additional rate show some differences by bank. Therefore, since the advantageous product may vary depending on the individual’s conditions, it is important to choose the product that is right for you.
You must meet all of the above conditions to receive a Kakao Bank jeonse loan. In particular, the number of houses owned by the couple, whether or not you have paid the rental deposit, and your credit rating are important screening criteria.
If you fall under any of the above reasons, your Kakao Bank jeonse loan may be rejected. In particular, if there is a problem with the rights to the house or the collateral value, it may be difficult to get the loan approved, so be careful.
Kakao Bank does not specify the exact time required for applying for a jeonse loan. However, generally, after submitting the required documents after applying online, you will be notified of the screening results within 1-3 business days. However, depending on the individual’s conditions and circumstances, the screening period may be somewhat longer, so it is recommended that you apply with plenty of time.
The above documents are required to be submitted when applying for a Kakao Bank jeonse loan. Since the bank may require additional documents, it is recommended that you check and prepare them in advance. When applying online, you must scan or take a photo of the relevant documents and upload them. When applying offline, you must bring the originals.
