As a solution to so-called debt investment and small loans, the government has begun tightening credit loans at commercial banks. When we couldn't meet the overflowing demand, there was a crowd trying to get loans from insurance companies. In January 2021, we will restore the credit loan-related policies of commercial banks. So today we're going to look at the resumption of commercial bank credit and look at each bank's credit loan products.
Resumption of commercial bank credit loans
Commercial banks, which were unable to sell new loans later this year due to pressure from financial authorities, will resume lending to Shinhan Bank on January 4 next year, as the credit loan system was a temporary measure at the end of the year. In addition, we started selling real estate loans such as mortgage loans, which are as follows.
Type of commercial bank to resume credit loans
1. Shinhan Bank
- Credit loans other than easy-to-use office workers' loans
2. KB Kookmin Bank
- New household loans of more than 20 million won
3. Woori Bank
- WON's work loan
4. NH Nonghyup Bank
- Apply preferential interest rates on household loans to retailers
5. Kakao Bank
- Office worker minus bank credit
Shinhan Bank [Convenient Office Worker's Loan
Shinhan Bank has been blocking the use of credit loans since the 15th of this month, so let's find out about the "comfortable workplace loans" that will resume in the future. It is a product that has benefits in terms of limits and interest rates for office workers who 폰테크 are working at the company-designated company.
KB Kookmin Bank [KB Star Credit Loan]
Kookmin Bank also joined the resumption of commercial banks' credit loans, which were banned from more than 20 million won from the 22nd, and will be available for all credit products at the beginning of the year. For office workers and customers on Kookmin Bank's main street, let's take a look at KB Star credit, which is easy to submit.
Woori Bank [Our WON Loans to Workplaces]
Woori Bank's WON workplace loan will be applied to the application standard of 100 million won for high-income earners without exception along with the resumption of sales, but it has the characteristic that it can be received easily and quickly without any documents submitted separately.
Nonghyup Bank and Kakao Bank
In addition, Nonghyup Bank and Kakao Bank's actions were also noted. With the resumption of commercial bank credit loans, Nonghyup Bank will apply a 0.4% increase in the preferential interest rate of mortgage loans to 1.4% points, and up to 1.25% points will be applied for credit loans.
Kakao Bank is also going to start selling its minus bank account credit on January 1, 2021. I don't think there will be a big change as compared to other banks I mentioned earlier, but the overall movement of the financial sector is drawing attention.