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Kakao Bank is also temporarily suspending ‘negative bank credit loans’ until the end of this month, while banknotes have been trying to manage the full amount of home loans at the end of the year, such as stopping credit loans or lowering the limit. .
According to Kakao Bank on the 17th, new loans for negative bank credits will be suspended from 6am to 31st this month.
Kakao Bank’s negative bank loan is a loan product for high credit workers.
A Kakao Bank official explained the background: “To control the loan rate, we are temporarily suspending new negative bank loan loans with high volatility in the loan balance.”
However, additional transactions for the previously opened negative passbook account are possible, such as extending the loan.
Additionally, case credit loans, emergency loans (small loans minus bank loans), medium interest interstitial and private loans, and Cheonsei deposit loans are normally available.
Prior to this, major commercial banks also took steps to stop lending for remote office workers before the end of the year to manage the full amount of home loans.
From the 15th until the end of this month, Shinhan Bank has decided not to accept applications for non-face-to-face employee loans, including “convenient employee credit loans.” Convenient Credit Loan for Office Workers is a representative off-site loan product that can be easily obtained from the Shinhan Bank app.
Since the 14th, Shinhan Bank has also lowered the credit limit for professionals such as doctors and lawyers to 200 million won.
Considering that the existing credit limit for professional staff was 250 million to 300 million won, depending on the product for each specific occupation, the maximum was lowered by 100 million won.
KB Kookmin Bank locks all household credit loans over 100 million won in principle from the 14th to the end of the year.
Another bank’s home loan, which converts a home loan to a KB Kookmin Bank home loan, will also be suspended until the end of the year.
On the 11th, Woori Bank stopped selling “WE EARN office worker loans,” the flagship product of non-face-to-face credit loans.
Hana Bank also plans to drastically lower the basic credit limit for professional professionals such as doctors and lawyers from 150 million won to 50 million won from the end of this month.
▲ Kevin’s Home Loan Sales for Homes
K Bank updated the ‘100% Non-Face-to-Face Apartment Mortgage Loan (Adam University)’ product, which was first introduced in the banking sector.
According to K-Bank on the 17th, the ‘Adam University Interest Rate / Limit Inquiry Function’ was recently introduced, allowing anyone to immediately check the expected interest rate and cap without any other documents entering information basic such as apartment address and annual income
According to the Federation of Banks, the top four commercial banks in October had an annual interest rate of 2.61 ~ 2.85%, but the K-bank interest rate averaged 2.27% per year, up 0.6% points compared to the commercial banks. It was cheap.
