토스뱅크 비상금대출 소액 조건 한도 금리 신청 정리(무직자대출)

토스뱅크 무직자 소액대출(비상금, 소액 가능) 신청하기

 토스뱅크는 인터넷 은행으로 최근 활발한 활동을 하고 있습니다. 그리고 무직자 대출 상품을 제공하고 있는데요. 특별한 조건 없이 쉽게 이용할 수 있어서 각광 받고 있습니다. 토스뱅크 대출 조건은 아래에서 참고하세요. 

  • 대출 한도 : 300만원
  • 대출 금리 : 기본 6%대
  • 대출 조건 : 서울보증보험 가입 가능해야 함(가입 어려운 경우 아래에서 농협, 우리은행 비상금대출 활용)
  • 상환 방식 : 만기일시상환
  • 상환 기간 : 기본 1년

대출 신청 자격 조건에는 다음과 같은 요건이 있습니다. 신청자는 19세 이상의 내국인이어야 하며, 연체 등의 신용도 판단정보 등재사실이 없어야 합니다. 또한, 회생, 파산, 면책 등의 신청사실이 없어야 하며, 당행 연체 대출금을 보유 중이지 않아야 합니다. 이에 더해, 지금까지 토스뱅크에서 비상금 대출을 보유하고 있지 않은 경우에 한하여 신청이 가능합니다.

신청자가 자신에게 필요한 대출을 받을 만큼 받을 수 있는 한도는 당행에서 제공하는 대출 한도는 최소 50만원에서 최대 300만원까지입니다.

그리고, 대출을 받은 다음에는 어떤 기간 동안 상환은, 대출 기간은 1년이며, 1년 단위로 최대 10년까지 연장이 가능하며, 만기일시상환방식을 적용합니다.

마지막으로, 대출을 받을 때 적용되는 금리는 최저 연 5.84%~ 최고 연 15.00%의 금리를 적용하며, 기준금리는 연 3.57%이고, 가산금리는 연 2.27~11.43%입니다.

🔽 금리 확인하기 🔽

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