농협은행 올원 비상금대출 소액 조건 한도 금리 신청 정리(농협 무직자대출)
농협은행에서는 올원 비상금대출 상품을 관리하고 있습니다. 시중의 다른 1금융권 은행들도 요즘은 다 이와 같은 비상금대출 상품을 운영 중에 있는데요. 이와 같은 상품들의 공통적인 특징은 소득과 직장 확인을 요구하지 않고 있어서, 주부, 대학생, 대학원생, 일용직, 프리랜서 뿐만 아니라 무직자도 활용할 수 있어서 무직자 대출, 무직자 소액대출, 무직자 비상금대출로도 불리고 있습니다.
그런데, 회사들마다 서로 심사 기준으로 삼고 있는 요건이 다르고 이에 따라 이자율 책정과 한도 등도 다르게 운영되는 것이 현실입니다.
NH 농협 올원 무직자 비상금대출의 경우, 소득이나 직업이 없어도 이용할 수 있어요. 대신 필요한게 있는데, 바로 자기 명의의 핸드폰입니다. 하지만, 핸드폰 요금 연체 기록이 있으면 어려울 수 있습니다.(sk, kt, lg u+) 구체적인 내용은 다음과 같습니다.
4월 갑작스럽게 판매 중단되어 현재 농협 올원 비상금대출은 이용 불가합니다.
신한은행 비상금대출
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국민은행 비상금대출
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우리은행 비상금대출
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하나은행 비상금대출
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DGB대구은행 비상금대출
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카카오뱅크 비상금대출
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토스뱅크 비상금대출
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케이뱅크 비상금대출
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핀크 비상금대출
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이를 어려운 말로 텔레스코어라고 합니다. 일반적으로 재산, 소득, 금융거래 기록 등을 바탕으로 신용점수를 평가합니다. 하지만, 농협 소액대출은 이러한 신용점수를 대신하여 핸드폰 요금 납부 실적을 따지는 것인데요. 이제 우리 삶의 필수제인 모바일 기기를 연체할 정도면, 신용도는 믿을 수 없는 수준일 수 있기 때문에 이와 같은 기준을 도입하게 되었습니다.
그리하여 위에서 말씀 드린 통신 3사를 통해 핸드폰 요금을 잘 납부했다면, 기본적인 금융 신뢰도가 있는 고객으로 보아 높은 가중치를 적용하는 것입니다.
현재 기준 금리는 최저 6.07%입니다만, 이는 향후 금리 인상에 따라 급격하게 높아질 수 있습니다. 또한 다른 은행 무직자 비상금대출과 달리 기본 대출 기간이 3년이고 원리금균등분할상환으로 갚아야 합니다.
따라서 당장 이자와 원금이 나가기 때문에 당분간 수입이 없을 예정인 분들은 받지 않는 것이 유리할 수도 있습니다. 이렇게 상환 할 수 있는지 없는지를 먼저 판단한 후에 절차를 진행하시고, 다른 상품도 함께 비교하셔서 대출을 실행하시는것이 좋습니다.
- 대출 한도 : 300만원
- 대출 금리 : 기본 4%
- 상환 방식 : 원리금균등분할상환
- 상환 기간 : 기본 3년
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대출소비자 보호센터의 편집자입니다. 법학을 전공하고 정부 기관 등을 통해 8년 이상의 실무 경력을 바탕으로 금융소비자 보호센터를 설립하였습니다. 국내 최대 금융 상품 정보 제공 사이트로서 전문성과 신뢰성을 바탕으로 필요한 소비자에게 꼭 필요한 금융 정보를 공급하겠습니다.