우리은행 비상금대출, 무직자 소액대출 신청하기
우리은행은 스마트폰, 위비뱅크를 통해 무서류로 직업, 소득에 관계 없는 저신용자를 대상으로도 대출을 실행하고 있습니다. 우리은행도 농협과 같이 통신등급(텔레스코어)를 활용해서 무직자 모바일 대출을 실시하고 있습니다.
보통 무직자 대출, 비상금대출, 소액대출 상품은 한가지로 묶여 있습니다. 그 이유는 1금융권 은행들이 대부업권 회사들과 경쟁하기 위해 300만원 한도 내에서 직업이나 소득 확인 없이 자금을 제공하고 있기 때문입니다. 이에 따라 무직자인분들도 직장이 있으신 분들도 이 한도 내에서는 우리은행 비상금대출을 이용할 수 있다는 점을 유의하시면 됩니다.
이 상품의 가장 큰 장점은 위에서 말씀드린 통신등급 활용입니다. 카카오뱅크나, 신한, 토스 등 다양한 회사들이 비상금대출 이용을 위해 요구하는 조건 중 하나가 바로 서울보증보험 가입입니다.
이에 가입하려면, 금융 거래 기록 등에 문제가 없어야 하는데, 문제가 발생할 경우 가입 거부가 발생할 수 있고 이 거부 상황을 바로 해결할 수 있는 방법은 없습니다.
따라서, 이 때 다른 심사 조건을 적용하는 회사를 통해 돈을 빌려야만 하는데요. 무직자 비상금대출이 가능한 다른 은행 중 별도의 심사 요건을 유지하고 있는 곳이 바로 우리은행입니다. 핸드폰 요금만 밀리지 않고 잘 납부하셧던 분이라면 우리은행 비상금대출을 누구나 이용할 수 있고 무직자 소액대출로도 활용 가능하기 때문에 미리 알아두시는 것이 좋습니다.
이와 같이 핸드폰 요금 납부 실적만으로 판단하고 그외에 소득이나 직장 심사 등을 진행하지 않는다는 점은 동일합니다. 상품의 정싱 명칭은 우리 비상금대출이며, 대출기간은 1년이지만, 연장이 가능합니다. 현재 최저 이율은 7.65%입니다만, 앞으로 더 높아질 가능성이 있으므로 이용 계획이 있으신분들이라면 빠르게 신청하는 것이 좋습니다.
직업, 소득은 없어도 되지만 통신3사 이용고객이면서 미납등이 없어야 합니다. 금리는 아래 홈페이지에서 확인 가능합니다.
- 대출 한도 : 300만원
- 상환 방식 : 마이너스통장
- 상환 기간 : 기본 1년
- 대출 금리 : 홈페이지 참고
🔽 금리 확인하기 🔽
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