º¸Çè¾à°ü´ëÃâÀº ³³ÀÔÇÑ º¸Çè·á ³»¿¡¼ ´ëÃâÀ» ÇÑ´Ù´Â ÀǹÌÀÌ´Ù.
A loan with insurance terms means that you make a loan within the premium paid.
´ëü·Î ³³ÀÔÇÑ º¸Çè·áÀÇ 70-80% ¼öÁØ¿¡¼ Çؾà ȯ±Þ±Ý±âÁØÀ¸·Î ´ëÃâÀÌ °¡´ÉÇÏ´Ù.
In general, loans can be made based on cancellation refunds at 70-80% of the
paid insurance premium.
±ÝÀ¶°¨µ¶¿øÀÌ 22ÀÏ ¹ßÇ¥ÇÑ ‘9¿ù ¸» º¸Çèȸ»ç ´ëÃâä±Ç ÇöȲ’¿¡ µû¸£¸é ‘ºÒȲÇü ´ëÃâ’·Î
ºÒ¸®´Â º¸Çè°è¾à´ëÃâ Áï ¾à°ü´ëÃâÀÌ 2000¾ï¿ø ÁÙ¾ú°í, ½Å¿ë´ëÃâµµ 1000¾ï¿ø °¨¼ÒÇß´Ù.
According to the “Status of loans from insurance companies at the end of
September,” announced by the Financial Supervisory Service on the 22nd,
insurance contract loans, called “recession-type loans,” or term loans decreased by
200 billion won, and credit loans also decreased by 100 billion won.
½ÅÁ¾ Äڷγª¹ÙÀÌ·¯½º °¨¿°Áõ »çÅ·Π°æ±â°¡ ¾î·Á¿öÁ³Áö¸¸ ½ÃÁß¿¡ À¯µ¿¼ºÀÌ ¸¹ÀÌ
°ø±ÞµÇ¸é¼ ÀºÇà´ëÃâ¿¡ ºñÇØ »ó´ëÀûÀ¸·Î °í±Ý¸®ÀÎ ¾à°ü´ëÃâÀÌ ÁÙ¾îµé¾ú´Ù°í ±Ý°¨¿øÀº
¼³¸íÇß´Ù.
Although the economy became difficult due to the new coronavirus infection, the
Financial Supervisory Service explained that loans for terms and conditions, which
are relatively high interest rates compared to bank loans, have decreased due to
the supply of liquidity in the market.
º¸Çè¾à°ü´ëÃâÀº ÀÏ¹Ý ½Å¿ë´ëÃâ º¸´Ù´Â ÀÌÀÚ°¡ ½ÎÁö´Â ¾ÊÁö¸¸ Á¦3±ÝÀ¶º¸´Ù´Â ÀÌÀÚ°¡ ½Î´Ù.
Insurance terms loans are not cheaper than regular credit loans, but they are cheaper
than third-party loans.
±×¸®°í ´ëÃâ ±âÁصµ ºñ±³Àû °£´ÜÇÏ´Ù.
And the loan standard is relatively simple.
ÁÖ·Î ÀúÃ༺ º¸ÇèÀ̳ª ¿¬±Ý¼º º¸Çè, º¯¾×º¸Çè µîÀÌ ¿©±â¿¡ ÇØ´çµÈ´Ù.
These include savings-type insurance, pension-type insurance, and variable insurance.
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