[Jaetekeu Q & A] to lower lending know-how

[Heogwahyeon financial newspaper reporter Korea] 1. loan interest rates but also differences depending on which loan yinya, itjiyo are also differences by banks?

That is correct. By default, the lender itjiyo credit loans and no loans with collateral. And even mortgage itguyo again varies by bank. But interest rate is the average bank credit is approximately 2.5 to 3.5 percent higher than 1%. And credit is another difference from the first grade through 10 grade naguyo depending on the credit rating of an individual. But those rates are not only a higher interest rate than a savings bank that insurance companies than banks even between financial institutions. So find out this information in detail you can see out in the Financial Consumer information site operated by the FSS Fine.

2. Depending on the road conditions lending itjiyo the case of preferential treatment?

That is correct. Basically, we preferred the self-banking customers. And trade customers, you need to read the preferential conditions of his company's bank when the workers need the loan because it also signed a preferential agreement with a private company as well as the first. And preferential terms, as well as deposits, itguyo also use a credit card or check card performance. In addition Before loan application You also get a salary transfer or direct debit to be better focused to learn to deal with preferential interest rate conditions is one way to lower interest rates.

3. Which is not to pre-weigh Do you get a loan?

First, weigh the amount of the necessary zest needed or required split time. In addition to monthly repayments also divided as to the repayment date and interest rates vary Sore This also requires a strategy. But it is favorable amortization, even if some of the money collected in the middle should be a loan agreement accordingly. And loans are not the only advantage that pays off quickly. If you repay the loan within the period because even have to pay prepayment charges must consider this point well when specifying the term of the loan.

4. promotion after receiving loans or salary rises itjiyo can receive a preferential interest rate?

That is correct. I'd say this rate cut Claims. This is a legitimate right to the person receiving the loan. If a promotion to ten thousand days during the term of the loan took two salaries, and if the ratings went up, go to the bank you will be able to proudly dangling down interest rates. So there can be adjusted to the rate review, yet now, but also the well-known advantage of the secluded because, in the future, we need leverage.

5. I will not miss even a month and not one month and I heard only some?

That is correct. We've got to know that just a month to pay the monthly interest you will pay interest on my partially. For example, the interest make money this month, unless half lack of pay half and is inside a fortnight later. This is the result of slowing after two weeks without interest arrears. Therefore it is nuggets one month and descriptions are a way to reduce as much as I also much overdue interest, rather than that.



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