“Everyone seemed rich except me”… MZ, unable to repay even 500,000 won, continues to post delinquencies

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It was found that 70% of delinquent payments토토사이트 on ’emergency loan’ from internet-only banks, where loans can be easily obtained, were in the 20s and 30s. It is pointed out that caution regarding loans is necessary.

According to statistics received from three internet banks by Yoon Young-deok, a member of the National Assembly’s Political Affairs Committee and a member of the Democratic Party of Korea on the 14th, the emergency fund loan arrears as of the end of August were ▲ Kakao Bank 17.5 billion won ▲ Toss Bank 1.2 billion won ▲ K Bank 1.3 billion won. The cumulative delinquent amount of the three major internet banks recorded 20 billion won.

In particular, among the overdue amounts, the amount borrowed by people in their 20s and 30s amounted to 14 billion won, accounting for 70% of the total. The 20s and 30s accounted for 12.3 billion won (71%) of Kakao Bank’s overdue balance of 17.5 billion won, 855 million won (71%) of Toss Bank’s 1.2 billion won, and 782 million won (60%) of K Bank’s 1.3 billion won.

Internet banks offer emergency loan products ranging from 500,000 won to 3 million won.

Because it is a type of guarantee insurance through Seoul Guarantee Insurance, individuals who can receive this guarantee can receive a loan. Banks are providing emergency loans to credit rating ( CB ) grades 1 to 6. The loan method is a negative account (limit loan).

Because loans are made through simple document submission and review, the interest rates for emergency loans are high.

As of September 13, the annual interest rate is 4.795-15.00% for Kakao Bank, 6.24-15.00% for Toss Bank, and 6.01-15.00% for K Bank. If the loan is overdue, an additional 3% points are added to the interest rate borrowed.

Although the number of customers is increasing every year, the amount of delinquent payments is rapidly increasing due to interest rate increases.

Rep. Yoon said, “We need to be more aware of loans as delinquencies among those new to society are increasing due to easy loans. As there are concerns about high interest rates, high inflation, and even an economic recession, a sophisticated and selective financial support policy is needed at the government level.” pointed out.

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