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고금리의 굴레를 벗어나 신용등급도 올리고 저금리로의 전환도!!

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작성자 이이슬 댓글 65건 조회 270,911회 작성일 17-10-31 12:05

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원래 고금리대출이란게 무계획으로 많이들 받으시잖아요? 전 그렇게 안되려고 계획을 세웠었어요☞☜  잠깐 이용하고 갚을
생각이었던 고금리 대출은 한 번 계획이 어긋나다 보니 걷잡을 수 없이 어긋났어요. 그러다보니 고금리 채무를 계속해서 이
용하게 되고 그랬네요 크흡 ㅠㅠㅠ

제가 은행 직원이라 자만한 것도 없잖아 있네요 ㅠㅠ 그런데 고금리 대출때문에 은행에서 일을 하는데도 2금융권의 대출 때
은행의 저금리대환대출을 이용하지 못하게 된거죠 ㅠㅠ!!!  그러다보니 급하게 돈이 필요하면 또 고금리에 손을 대고 이게 여
러 번 반복되니 월 불입금이 너무 많아져 생활하는데 부담이 될 수 밖에 없더라고요 ㅠㅠ
전 다른 사람들이 고금리로 힘들어하는게 이해가 되질 않았어요 그렇게 힘들게 이자 갚으면서 왜 2금융권에서 대출 받을 생
각은 안하는거지 했는데, 2금융권에서 대출 받을 생각을 안하는게 아니라 못하는 거였어요. 저처럼요.. ㅠㅠㅠㅠ

그러다 동료한테 저금리대환대출 상품을 알게 되어서 안전한 곳으로 진행을 하기 위해 sm대환론의 문을 두드렸어요.
뭐 그래도 제가 2금융권에 대출을 가지고 있지만 연체도 하지 않고(연체되면 신용등급 작살나는 건 알고있었으니까요 ㅋㅋ)

신용등급도 안정적인데다 대출금도 연봉이랑 비등하게 가지고 있으니 저금리대환대출을 진행하면 승인한도나 금리면에서도
좋게 나올거라고 하셨어요~ 그래서 채무 ㅇㄹ은행이랑 ㅎㄴ은행 제외하고 다른 2금융권 채무를 몽땅 상환하고 영업일 기준으
로 2~3일정도 지나니까 등급이 올라서!!! 저금리대환대출로 은행권으로 추가금 조금이랑 대출금 한도가 넉넉하게 나와 저금리
로 대출을 했어요!!! 그래서 기존 대출금액은 이천정도 늘었지만 월 불입금은 98만원정도가 줄었으니 살판났죠 ㅋㅋㅋ

게다가 신용등급도 업업!! 정말 명치를 짓누르던 묵직한 체증이 내려간 기분이라 세상이 아름다워 보이네요 직장동료에게 날
이 추워지니 미쳤냐는 소리도 들음 ㅋㅋㅋ 여튼저튼간에 저금리대환대출 알아보시는 분들이 생각보다 많은 것 같은데 정확하
지 않은 정보나 기준에 어려움 많으시죠? 여기로 오세요 sm대환론 박범석 팀장님이 컨설팅 하나는 끝내주게 하시네요
믿을 만 합니다 우선 상담부터 받아보세요~><!!

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이자율 : 이자율 5%부터 시세 80%까지: 연20% 이내 연체이자율:연20% 이내 , 수수료없음 (단, 2018.02.08 부터 체결되거나 갱신되는 계약에 한함)
중도상환수수료는 계약기간 이내 조기상환시, 조기상환금의 3% 이내 적용 ( 중도상환수수료는 기납이자 포함 연20% 이내 )
중개수수료를 요구하거나 받는 것은 불법. '과도한 빛, 불행의 씨앗이 되어 자랍니다.'
대부 계약시 신용등급이 하락할 수 있습니다.


"대출전후 수수료를 요구하는 것은 불법입니다. 당사는 대출진행과 관련하여 별도의 수수료를 요구하지 않습니다."
"대출상품 이용시 귀하의 신용등급이 하락할 수 있습니다"
"신용등급이 하락하면 추가 대출이 제한되거나,대출금리 상승,대출한도 감소 등 불이익이 발생할 수 있습니다"

이사이트에서 광고되는 상품들의 상환 기간은 모두 60일 이상이며 (최저 2개월, 최대 5년), 최대 연 이자율은 20%입니다.
대부이자율 (연 이자율) 및 연체이자율은 연 20%를 초과할 수 없습니다. (조기상환 조건없음)


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