Lunch is now 10,000 won, and if you find a better menu, it seems to go over 12,000 won~
In the article, the wording that today is the cheapest price catches my eye.
As a result, not only individual entrepreneurs but also business owners face a situation in which consumer sentiment is contracted due to a surge in raw material prices and the business environment is gradually deteriorating. 토스뱅크 사장님 마이너스통장
‘Business’ is likely to suffer a lot, except in very few fields, as profits are created from the added value provided by making and providing services or products necessary for consumers from the producer’s point of view.
In the movie <Day of National Bankruptcy>, the story is told when Korea suffered the IMF bailout crisis in 1997. 이베이스매뉴얼
I am concerned that the appearance of the manufacturing boss played by Heo Jun-ho in the scenario is overlapping with someone these days.
Source: Movie ‘Day of National Bankruptcy’, Photo: Naver Movies
This is because, in the end, business expansion or growth will only be possible if funds are smoothly executed.
Otherwise, you will have no choice but to face a difficult situation from the operator’s point of view.
Recently, in a group chat room that I love, Toss Bank and individual entrepreneurs’ minus bankbook launch articles were shared.
The product was released on 5/11 (Wednesday) and the loan contract amount exceeded 20 billion won in 4 days.
Toss Bank launches minus bankbook for individual business owners
Toss Bank has launched a negative bankbook for individual business owners, ‘President’s negative bankbook’. On the 16th, Toss Bank announced that it launched the negative bankbook of the president on the 11th of this month and that the loan contract amount exceeded 20 billion won in 4 days. The maximum is 50 million won, and the minimum interest rate is around 4% per annum (
■ Outline of Toss Bank, minus bankbook for individual business owners
1. Application target: Sole proprietors (self-employed, small business owners, etc.)
① Possession of business registration number
②Actual business operation for more than 1 year or sales generated in the last 6 months or more
③Minimum proof of annual income: 5 million won or more (based on the proof of income amount)
2. Maximum: 50 million won
3. Minimum interest rate: Early 4% per annum (variable rate applied)
4. Repayment method: maturity date
5. Loan period: 1 year (up to 10 years extension)
6. Early redemption fee: Free
The fact that the prepayment fee is free is quite attractive, but…
It’s a bit disappointing that a variable interest rate of 4% per annum is applied at some point from the zero interest rate that only feels like a distant story!
While the limit of 50 million won is high, it will also be a very small amount depending on your needs.
However, if the funds are urgently needed, it is important to use them when needed for business as they are liquid funds. That is why the loan commitment must have exceeded 20 billion won in 4 days.
However, if you look closely at the policy funds in the region where your business site is located, you can find the announcement of the loan support plan for nurturing small businesses and small business owners as follows.
Woori Bank’s cooperative fund has a lower limit than Toss, but it has a lower loan interest rate.
The SME Promotion Fund has a limit based on the previous year’s sales, but…
The manufacturing industry can see unprecedented conditions that can be used at a fixed interest rate of 1.2% per annum up to 300 million won!
However, the utilization of the above policy funds will be significantly lower than that of Toss Bank.
Because no one will take care of you saying that these funds will be helpful for your business.
In addition, you should know how to write an application and business plan sensibly, but for those who are not used to this, it will inevitably feel like a high threshold.
The above policy funds were implemented in the second quarter, and it is said that applications and applications will be processed from mid-July in the third quarter without any major changes.
There are no people in business these days who think that loans are unconditionally bad, right?
At a time when inflation and raw material prices are soaring.
The big determinants of business financing will be limits and interest rates.
1 In the financial sector, it seems that it is possible only to the extent that it is of collateral value, and only to the extent that it is regrettable.
Therefore, it is judged that it is much more effective to use the policy funds suitable for your business if the conditions are met!
Another rate hike took place today.
It does not stop there and there is a high possibility that it will increase further this year.
BOK raises key interest rate by 1.75%… Expected inflation rate 3.1% → 4.5%
BOK raises key interest rate by 1.75%… Inflation rate forecast from 3.1% to 4.5%, raised for the second month in a row… For the first time in 14 years and 9 months, the inflation rate is expected to reach 5%… Announcement of additional big steps in the US “It seems to suggest the possibility of additional hikes rather than big steps in Korea”
In times like these, I think it’s important to secure available funds for your business and use them well when you need them.
If you are an individual or corporate business owner and have questions about how to raise business funds or use policy funds through consulting, please fill out the online consulting application form below.
After reviewing the response, we will make sure that you can take care of the parts necessary for financing your business.
Thanks for your interest in the post!
I will post about the review of opening a negative account of Toss Bank.
I was just thinking about whether I should drill a hole for the public offering stock .
I finally got all the necessary documents and was going to visit Kookmin Bank , my main bank !
The interest rate is too high…. ㅇ0ㅇ
4.64% for 1st grade with a credit score of over 900
So, after checking the interest rate, the short TMI that another bank Toss Bank made a negative account…
How to check credit loan interest rate information
If you search for credit loan interest rate information on Naver, you will find the loan interest rate according to your credit score for each bank!
The interest rate of Toss is low regardless of the market’s 1st finance and 2nd finance.
Easy toss non-face-to-face minus account opening start
When you enter the Toss app, press and hold to confirm your credit loan within 1 minute.
It took less than 10 seconds because there was no waiting person. I check the limit.
By borrowing with a negative bankbook, the interest rate is slightly higher and the amount that can be borrowed is smaller.
Still, it was cheaper than the interest rates listed on Naver, so I felt better.
The interest rate, of course, fluctuates every three months.
The interest will be paid by setting it as 1 day for easy calculation.
I’ve been thinking a lot about choosing the purpose of a loan.
Wouldn’t it be lower if you were to invest?
I don’t think that’s the conclusion hahahahahahahahaha
In the end, I opened a negative account in Toss like this.
It didn’t even take 5 minutes…??
But it’s my first credit loan, so I borrowed it yesterday and my credit rating dropped by -35 points today, right?
Oh man… I’ll get my money back on Friday…
If I bring it back soon, it will come up..?
I don’t know about this either, I’ll post an additional review later when I get a chance haha
with abundant liquidity
To increase various assets such as real estate and securities
There seems to be a lot of people who want to use a loan.
I am also a large public offering stock or dollar investment, etc.
Relatively easy to recover money,
short term in a safe place
I was looking for a loan with a plan to use it.
Because there is no need to use a continuous loan
In the judgment that a negative bank account is appropriate
I applied for a loan with my main bank.
I am not currently an employee, so I have a lot of paperwork and
The answer was that I had to visit the bank.
like a bank
If you need to visit a branch or face-to-face consultation
In ‘Toss Bank’, a credit loan passbook
it would not have been made
At Toss Bank,
No hassle, in 5 minutes
I created a negative account.
It’s ‘really’ easy.
Founder of Toss in Korea
lack of proper financial services
It is said that the toss was made.
Toss Bank is one of the first financial institutions
3rd online bank
It is an internet bank.
(Sales through an online network without a store)
These include K-Bank, Kakao Bank, and Toss Bank.
Toss Bank will be released on January 1, 2022
I started borrowing from 11am.
Toss Bank has the advantage of being an internet bank.
You can apply for a loan 24 hours a day, 365 days a year.
A negative bankbook like a reliable emergency fund!
Changing perceptions of loans
The saying ‘if you don’t have debt you’re rich’
The generation that grew up listening to
Right now, you can take advantage of the loan to save your assets.
It seems positive to increase.
Convenience to take out and use only when needed
Reasonable to pay interest only on what you spend
The popularity of negative bankbooks seems to be huge.
Is there a way to use a negative passbook well?
Negative bankbook = limit loan = credit loan
A negative account of 30 million won
If you open it, use it or not.
on credit information
caught in debt of Rs.
What affects your credit score the most
The number of loans
There is a negative bankbook = There is a loan.
Because Mattong affects your credit score.
Considering your credit rating
It is recommended to set the limit high and use only 30%.
Current credit score using negative bankbook
Credit score before loan
Interest rate is 3.92%
last january
For subscription to LG Energy Solution public offering
After withdrawing -21,000,000 won on the 19th
January 21st filled in me.
After 3 days of use, the interest paid is KRW 5,113.
LG Ensol Selling Review
There was hardly anyone around the public offering stock ‘LG Energy Solution’ who did not subscribe. I signed up for 250 weeks…
Why is the negative account interest rate higher than the credit loan?