With the recent tightening of loan regulations, it is not easy to create a negative bank account. This time, I used Toss Bank to celebrate the new year. After the launch of TOSS Bank last year, it quickly closed as all limits were exhausted.
In 2022, it was reset again and I applied quickly. I thought it was a little late, but fortunately it went ahead.
How to open Toss Bank negative account 토스뱅크 마이너스통장
The interest rate of the parking passbook is good, so I am using it well. Because many people use it, the limit has recently been reduced to 100 million.
To open a Toss Bank negative account, you can check the limit first when you sign up. Please proceed to find out in 1 minute.
Agree to the terms and click OK.
I was wondering if it was because it was the weekend.
It was judged. Toss is really comfortable.
My limit was confirmed to be 21 million won. This is a credit loan, and a negative bank account can be up to 16 million won.
Borrowing proceeded.
Questions and answers will be provided regarding annual income, loan method, and current loan.
Please select the loan purpose.
You can set the amount you want. I went all the way to the max. 이베이스매뉴얼
The Toss Bank negative account interest rate is 4.43%.
It seems that it will proceed differently depending on individual credit rating.
Finally, the conditions were confirmed.
16 million won, 4.43%
3 months interest rate change cycle
period 1 year
The 8th day of interest payment
Finally, click I’ll make it
Everything is done.
If you go to the home page, you can check that a bank account has been opened.
It’s really convenient, so check it out. Checking the limit can also cause your credit score to drop, so be sure to keep this in mind.
So far, we have learned about opening, creating, and interest rates in Toss Bank’s negative account.
Toss Bank loan started from January 1st
I heard there were too many people and we had to wait a long time
Is it because of the corona or is it because the economy is difficult?
Or is it for investment?
A lot of people want to get a loan
I also made a negative bankbook this time for investment, but if I had gone to the bank, got a numbered ticket, waited for a long time, and then consulted with the staff, I would not have made it.
Toss has the advantage of being an internet bank.
You can apply for a loan 24 hours a day, 365 days a year
I don’t know if it’s because the interest rate has risen since January 3, so few people apply, or if it’s because it was done early in the morning, but it was made in just 5 minutes.
I was using Toss Bank in the past, so I may have made all the certificates, so it might have been faster.
Toss loan was convenient because there was no need to submit separate documents.
Once you enter Toss Bank, there are passbooks, collecting, and borrowing.
If you go to borrowing and look up your limit,
Amount available for loan is displayed
The limit seems to change every time you search
This time the interest rate is going up and the limit has been reduced.
Last December 15th, when I looked it up, it was 62 million won, but today it was 40 million won.
After that, answer a few questions (annual income, loan to other institutions, etc.) and click to proceed
After checking the limit, decide whether to use a credit loan or a negative bank account
Credit loans have a slightly lower interest rate
I applied for a negative account because I would only use it when necessary.
And I decide the amount to borrow within my loan limit
Apply with full limit
Set the amount, check that the interest rate change period, period, and interest payment date are correct, click Create and you are done!
Loan completed in 5 minutes!
It’s a very comfortable world these days, where you can sit in the corner of your room and get a loan in 5 minutes in the morning.