무직자 정부지원대출There are government-backed loans to support the living expenses of the unemployed, but there are also places in the financial sector that provide loans. Let’s take a look below.
As you know, even if the government supports the unemployed, it must be taken into account that the limit is low and the interest rate is high because they have no income. Information on loans for the unemployed is as follows.
To apply for a loan, please check through the link below.
1Financial Loans for the Unemployed
1 Loans to the unemployed are also available in the financial sector. 2 Loan interest rates are significantly lower than those in the financial sector. K-Bank, K-Bank, and Shinhan SOL Bank are showing much cheaper interest rates than initially reported, with K-Bank at the lowest 3.78%, K-Bank at 3.87%, and Shinhan at 4.46%. But what is disappointing is the loan limit. Up to 3 million won, Shinhan is much cheaper at 2 million won.
However, only those who can issue insurance policies from Seoul Guarantee Insurance Co., Ltd. will receive emergency loans from three major financial institutions. This loan is renewed every year, and if your credit rating deteriorates further or you have credit problems at the time of maturity, it may not be possible to extend it. To receive a loan from the bank, please check through the link below.
Find out how to get an emergency fund loan from Kakao Bank, interest rates, and terms.
Telecommunication grade unemployed person loan
Telecommunication grade loan is a program that provides loans based on whether or not we have paid the mobile phone bill to the telecommunication company for the smartphone we are using. Even for the unemployed, if they faithfully pay their cell phone bills without late payments, their loan approval rate increases.
The banks providing the loans are Nonghyup and Woori Bank, which offer Nonghyup All-in-One Emergency Fund Loan and Woori Emergency Fund Loan products, respectively. The loan limit is 500,000 to 3 million won, and the loan interest rate is high at 3.9% per year to 4.9% per year (variable interest rate) for Nonghyup and 4.79% per year to 12% per year (variable interest rate) for Korea, but it is much cheaper than the second financial institutions.
Repayment methods vary from bank to bank. Nonghyup’s repayment method is equal installments of principal and interest, while Woori Bank’s method is lump sum repayment at maturity.
Suhyup Bank, another financial institution, also offers loans to the unemployed. The conditions are as follows:
If you look at the eligibility, if you are a salaried income earner and have held a credit card in your name for more than 6 months, you are eligible for a loan. In other words, the biggest key is to hold a credit card for more than 6 months without working.
The loan limit is up to 30 million won, but the limit varies depending on the bank’s review.
Before taking out a loan when you are unemployed, you should check carefully whether you have the ability to repay it or pay the interest on a regular basis. If you are unable to do so, you may become delinquent and have problems with your credit, so make sure you check whether you can repay before applying for a loan.
