Today, I'd like to tell you about the places where freelance loans are available, and if you're currently working as a freelancer, you'll get salary income, but you don't have four major insurance policies, so it won't be easy to prove your income. If proof of income is difficult, you will have difficulty in lending.
Recently, mobile banks and non-face-to-face loan services such as Kakao Bank have increased, so if you have a cell phone under your name, you can easily and quickly get a loan through cell phone authentication without proof of income.
Recently, commercial banks are also releasing a lot of mobile loans and expanding their size because they can simply get loans on mobile without having to submit difficult screening processes or complicated documents.
Hana One-Q Emergency Fund Loan
The first place where freelance loans are available is Hana Bank, and one of the products sold is one of the OneQ emergency loans. This is because it is a product that allows people to take out loans on mobile regardless of their job or income, and as a condition, insurance policies should be issued from Seoul Guarantee Insurance, a Korean citizen aged 19 or older.
However, approval may not be granted if there is a fatal impact on creditworthiness, such as delinquency history, bankruptcy, recall or bankruptcy, or if another loan from Hana Bank is in arrears.
Interest rates and limits
Through the type of transaction performance, it is a single interest rate that does not apply preferential interest rates, and the actual interest rate applied depends on creditworthiness, loan amount, period, and conditions. If your economic requirements have improved, such as higher credit scores or transferring to better conditions after the 비대면 폰테크 loan, you can apply for the right to demand a rate cut.
The limit can range from a minimum of 500,000 won to a maximum of 3 million won, and the loan period is one year, but you can use it for up to 10 years on a yearly basis by applying for an extension before maturity, and the repayment method is a lump sum repayment method. You can check the limit and interest rate directly through Hana Bank's application, and you can apply for loans 24 hours a day, 365 days a year, as well as execute the agreement.
Kakao Bank Emergency Fund Loan
The second place where freelance loans are available is Kakao Bank, and among them, emergency loans. There is no income condition compared to general credit loans, and if the credit rating is below grade 8, you will be eligible for the loan.
The loan limit can be up to 3 million won, and you can withdraw cash or use it as a credit card payment through Kakao Bank check card. Dury is a variable interest rate product that starts at 3.14% per year and changes interest rates. However, during the loan period, you can use it at a fixed rate and extend it to one year after maturity, which can change interest rates according to the benchmark interest rate.
Kakao Bank Freelance Loan
There is a private business loan available for freelancers at Kakao Bank, and there are precautions. There is a condition that the business period is more than six months, and it seems that only freelancers with business registration can borrow money.
Although the limit is higher than emergency loans, it is only for private businesses with an annual income of more than 10 million won. The maximum limit is 20 million won.
Woori Bank's emergency fund
The next place I introduce to you is Woori Bank, and among the many loan products, our emergency loans are available. Regardless of job or income, people who are using telecommunications companies are very likely to get loans.
It can be difficult for low-end phones or other carriers, so if you are using LG U+, SKT, and KT, which are commonly used, you can do it without any difficulties. Communication grade information is used to spread the communication grade and interest rates are applied differently depending on the grade.
Today, we looked at places where you can borrow freelancers. If you are a freelancer in a company, you can compare other products because you can prove your income, but if you don't have four major insurances, please refer to the places I introduced today.