In the news recently, I heard that the government is creating a loan for a loan platform, but I thought it would be implemented in May, so I waited and found out that it will be available from the 31st.
The idea is that if you have a high-interest loan, you can take advantage of these programs to move to a lower-interest loan, but there are some skeptics. There are still issues such as the fact that financial institutions can pass on the fees they have to pay when using the platform to customers, and early repayment fees. In some cases, there are no prepayment penalties if you don't take the loan to maturity, but in some cases, there are, so it's important to check before you switch.
높은 금리의 신용대출을 이용하고 있다면 이러한 제도를 잘 활용해서 낮은 금리의 대출로 갈아타기가 가능하다는 것인데요, 회의적인 목소리도 나오고 있습니다. 금융기관이 플랫폼을 이용할 때 지불해야 하는 수수료를 고객에게 전가시킬 수 있는 점, 중도상환수수료 등의 문제가 남아있다고 볼 수 있습니다. 대출을 만기까지 가져가지 않고 중간에 다 갚아버릴 경우 발생하는 중도상환수수료는 없는 경우도 있지만 일부 대출의 경우 발생하기도 해서 갈아타기 전에 미리 확인해봐야 할 점입니다.
While card loans are relatively easy to get, the interest rates are killer, so if you're utilizing a card loan, whether it's a long-term credit card, cash advance, or revolving, you may want to consider switching to one or two of these lenders.
장기카드론이나 현금서비스, 리볼빙 등 카드 대출은 받기는 비교적 쉬운 반면 금리가 살인적이어서 카드 대출을 활용하고 계신 분이라면 1, 2금융권으로 갈아타는 게 좋을 거 같습니다.
Regarding the online loan infrastructure, 23 platforms initially expressed their intention to participate, but the actual participation is expected to be limited to 4-5 companies, including TOS, Kakao Pay, Pinda, and NAVER Financial. We hope that more companies will participate so that borrowers can make a variety of comparisons.