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Sudden financial needs can arise for anyone. There are a variety of loan products available to help with unexpected expenses, such as medical bills, funeral expenses, and emergency repairs.
First, credit loans are the most common method. These loans are available without collateral and are based on your personal credit rating. They are offered by banks, savings banks, and capital institutions. Higher credit scores lead to lower interest rates and higher limits, so regular credit management is crucial. Recently, online banks and fintech companies have been offering convenient mobile loan services, enabling quick approval and deposits.
Overdraft accounts are also a useful option. They allow for free withdrawals and repayments within a certain limit, making them effective for liquidity management. Interest is charged only on the amount used, making them an effective option for short-term funding needs.
Secured loans allow you to borrow large sums of money at relatively low interest rates, using real estate, deposits, insurance, or other assets as collateral. Examples include jeonse deposit loans, home mortgage loans, and savings deposit-secured loans.
Government-backed loans are also worth considering. The Korea Inclusive Finance Agency's Sunshine Loan, Microfinance, and Worker Stabilization Funds offer relatively low interest rates to support low-income individuals and small business owners. Check your income and credit requirements and, if applicable, actively utilize these programs.
Even if you need emergency funds, never use illegal private lending. It's important to obtain a loan from a legitimate financial institution that considers your repayment ability. Personal Loans