I already made a negative passbook with Kookmin Bank to use it for public offering stocks or dollar investment, but I thought there would be a little limit left, so I opened the Toss Bank minus passbook account as soon as it opened at 11 am today.
Those who have previously created a Toss Bank passbook and have checked the limit would have been able to make it faster, and those who did not go through the limit check process will have to wait a bit today. 토스뱅크 사장님 마이너스통장
I opened a Toss Bank account in the past and checked the limit yesterday, so I was able to open a negative account easily and quickly.
We will briefly introduce the opening process. 이베이스매뉴얼
First of all, you need to check the limit before opening an account.
If you go to Toss Bank and press the notification bell in the upper right corner, there will be a notice connected to a menu where you can check the limit.
You can click on the notice or follow the link below.
A different limit, Toss Bank Loan
Find out the Toss Bank loan limit easily
First of all, you need to start by checking your loan limit.
However, when I clicked the ‘Learn in 1 minute’ button today on January 1st, a message appeared stating that it was difficult to check right now because there was a lot of waiting, and that a notification was sent when the limit could be checked.
I applied for my family girl at around 11:20, but 5 hours have passed and there is still no notification, so there seems to be quite a waiting list.
First, after checking the loan limit, you will be informed of how much you can borrow immediately.
I have a negative bank account at another bank, so the limit is 45 million won and the expected interest rate is 3.4%.
Of course, this part will be applied differently depending on each individual’s loan situation and credit rating.
Also, the standard is credit loans, and the limits and interest rates for negative bankbooks and emergency funds are different.
That part comes right below.
Next, a menu to decide whether to take out a credit loan or a negative bank account appears.
If you choose a negative bank account, the interest rate and limit are applied differently from what you saw earlier.
If the interest rate on the negative bank account is 3.9% in a situation where interest rates have recently risen, it is not a bad figure, but it does not seem to be a very satisfactory interest rate either.
However, I made a negative bankbook for now because I can use it when I need it or not.
If you click Borrow with Minus Account, you will enter the screening stage.
You can also check product information and interest rate information.
Before the examination, several questions such as income, loan repayment method, and loan purpose are asked.
Then, what you need to know and the product description will appear.
Click the OK button to proceed with the review.
As you can see by looking at the clock in the image above and the image below, the judging took about 50 minutes.
In the meantime, if you turn off the app, the review may be interrupted, so you should charge it well and wait.
After the review is complete, you can set how long the final negative bankbook is actually created within the loan limit.
Finally, check the final condition.
When you click Create, account linking, etc. proceeds.
You can think of it as a procedure to automatically pay interest on the loan and prevent overdue payments.
You can automatically link your accounts by clicking Agree, or you can click Skip if you are sure that you will never be overdue, such as paying interest.
Finally, I finally confirm my conditions.
Negative account opening is completed.
If you click Go to check and check my Toss Bank account account, you can confirm that the negative account was successfully opened.
I can see that the balance in my bankbook is 2,300 won, but the amount that can be withdrawn is 24,022,300 won.
Like the Toss Bank style, I was able to open a bank easily without having to go to the bank window and go through a long time review.
If you look at the articles I made last year, the interest rate was around 3%, but it is a bit disappointing that the interest rate has risen so much.
However, given the economic situation in which interest rates will continue to rise in the future, interest rates at this level seem to have been made to a satisfactory level.
I am not in an urgent situation, so I plan to use it when making a safe investment, where I can easily recover money, such as large public stocks or dollar investments.
It seems to start from the first day of the new year with preparations for investment.
If investors are also interested in opening a negative bank account, I would like you to think about it by comparing the interest rates of commercial banks.
Neighbor applications are always welcome.
●It is easy to borrow with an interest of 2% per annum, and a bank card is also available.
To.S.Bank started business on October 5th. It is also the 20th bank in Korea and the third among internet banks.
While the market interest rate is hovering around the 1% range, we have launched a simple loan-loan card, along with a 2% annual parking passbook.
What are the advantages of Toss Bank parking passbook?
2% annual interest rate before tax without any conditions, interest accrued even if you put in just one
We are giving everyone an unconditional interest rate of 2% per annum before tax. Interest is paid even if you put in just one day, there is no fixed maturity, and there is no need for automatic debit or salary account.
① The interest calculation method is {(the final balance for each day in the amount range * 2% per annum) /365} as the daily interest rate.
② Because there is no condition for the amount, it is attracting more attention, and you can conveniently divide, insert, and withdraw from one bankbook without having to make a separate deposit.
③ You can send money up to 1 billion won at a time, all fees are free, and there are no fees for ATM deposits and withdrawals and certificates.
However, there is a characteristic that it is impossible to use tax-free comprehensive savings.
What are the conditions for joining Toss Parking Account?
One account can be opened per person who is 17 years of age or older, driver’s license or resident registration card holder
In the case of membership, a real-name individual who is 17 years of age or older, and only needs to have a resident registration card or driver’s license. Only one account per person can be opened.
There is no limit on the amount of savings or contract period, but according to the Depositor Protection Act, up to 50 million won per person is protected, and the amount in excess is not protected.
Parking passbook recommendation rate comparison
●Toss is high at 2% per year even compared to other products, and the conditions are not too strict
This Toss bankbook is attracting attention as it has a high interest rate among products on the market.
Another parking product that boasts a high interest rate in the market is the OK Parking Jackpot Account. Of course, there is no limit on the amount of subscription, and the interest rate is 1.5% per annum even if you leave it for one day, but it is 1% per year if it exceeds 500 million won.
① In the case of pepperulu parking (non-face-to-face), 2% per annum before tax for less than 3 million won and 1% for more than 3 million won.
② Kookmin Bank’s KB My Fit account provides an annual savings rate of 1.5%.
③ ‘Accuon non-face-to-face passbook’ of Acuon Savings Bank accounted for 1.6%
④ Welcome savings bank’s welcome non-face-to-face ordinary deposit is 1.3%
⑤ SBI Savings Bank’s cider banking was 1.2%
⑥ Sangsangin Savings Bank’s bang bang bang parking is 1%, etc.
What are the Toss Bank card benefits?
Up to KRW 46,500 per month cashback without performance conditions until January 2nd of next year
This benefit is provided until January 2, 2022, and you can get up to 46,500 won back per month. You can get cashback without any performance conditions for the past month.
In principle, domestic benefits must be over 300 won to be included in the cashback target.
① Cash back of 300 won per month at coffee, convenience stores, taxis, fast food, and public transportation
-Usually, in the case of buses and subways, cash back after 1 to 5 days of use, even if multiple days of use are received at once, cash back at once
② 3% cashback without conditions for all overseas payments
If payment is canceled after receiving cash back, the received cash back will be withdrawn from the payment account again, and prepaid card purchases, fees, interest, gift certificates, etc. are not eligible for cash back.
How to apply for Toss Bank in advance?
●You must install the toss application on your mobile phone.
You need to install the Toss app from the Apple App Store or Google Play Store.
If you install and enter the Toss application, you can check the Toss Bank pre-application field.
All you need to do is agree to the Toss Bank pre-application and click the Start button.
Finally, if you receive my waiting number, the Toss Bank pre-application will be completed.
If you apply normally, you can check the waiting number and the numbers are opened in quick order. If the person in front uses the bank, the number will decrease.
What is Toss Bank Loan?
Early redemption fee 0 won, available 24 hours a day
Even if you repay in the middle, the fee is 0 won, and the criteria for loan-loan examination are also relaxed like Cabin. Applications are available 24 hours a day, 365 days a year.
①In the case of credit, loan, loan, and loan, the minimum amount is 1 million won and the maximum is 270 million won, and the interest rate is 2.8-15% per annum.
② Side idols can be paid at least 1 million won to 20 million won, and the annual rate is 4.53 to 14.5%.
What are the terms of the Toss Bank loan?
●Credit, divided into sidedols
A common condition is that Korean nationals over the age of 19 must not have a history of bankruptcy or immunity.
① Credit, Dragon, Loan, and Loan are divided into the following.
– Salary earners must have at least 3 months of service at their current employer and proof of annual income of 10 million won or more
– In the case of business income earners, proof of at least 12 months from the date of opening of business and at least 10 million won
②Sidol is available for salaried earners to customers who can issue Seoul Guarantee Insurance insurance policy
– For salaried earners, proof of employment for 3 months or more and annual income of 15 million won or more
– For business income earners, proof of annual income of 10 million won or more for at least 6 months from the date of business opening
Toss Bank Loan
-Negative bankbook, emergency fund –
It pays interest as much as you spend, and the advantage is that it is easy without complicated documents.
① Minor bank accounts are available for a minimum of 1 million won and a maximum of 150 million won, with interest rates ranging from 3.3% to 13.12% per annum.
② An emergency fund loan can range from a minimum of 500,000 won to a maximum of 3 million won.