We will inform you about three types of telecommunication rating inquiry and telecommunication rating loan.
The telecommunications rating is the rating by which the telecommunications company determines the creditworthiness of the mobile phone user. These days, credit loan products using not only credit scores but also telecommunication ratings are increasing, so the utilization of telecommunication ratings is increasing.
Now, let’s look at how to look up telecommunication ratings and what types of telecommunication rating loans exist. 통신등급 조회
Telecommunication rating inquiry method and telecommunication rating loan are organized in one article! 좋은뉴스
index
Definition of communication class (Is it available to budget phone users?)
Communication class inquiry method
SKT communication rating inquiry method
How to look up KT communication rating
LGU+ communication rating inquiry method
Best 3 telecommunications grade loans
1. Woori Bank Woori Emergency Loan
2. Nonghyup AllOne emergency fund loan
3. PINK Loan for Living Expenses
How to raise communication level
Alternative product in case of rejection of telecommunications grade loan
Loan for telecommunication delinquents
1 Micro loan for the unemployed in the financial sector
2Micro loans for the unemployed in the financial sector
Government-supported low-income loans for the unemployed
Wrap-up
Other posts in the category ‘Confirm low interest rate loan ▼’
Communication class definition
(Is it available to budget phone users?)
You can think of the telecom rating as a customer’s credit rating calculated by using information such as usage and payment details of customers of the three telecommunication companies: SKT, KT, and LGU+.
Since it is a kind of credit judgment basis, it is also used a lot in loan review.
When we live, there are many cases where we get a credit loan, but the most important thing at that time is the credit score.
However, in the case of college students, social freshmen, the unemployed, and housewives, they are at a disadvantage in microcredit loans because they lack financial transaction performance. If you manage your telecom grade well and use a telecom grade loan, it can help you raise funds.
NICE and KCB are the largest credit rating agencies in Korea. When these two credit rating agencies calculate credit scores, they also use telecom rating information in part.
In other words, if you manage your communication rating well, it will definitely have a positive impact on your credit score.
If you manage your communication rating well, even those with low credit scores due to lack of financial transaction performance can get a loan using the communication rating, and in the long run, it is wise to manage your communication rating well because it has a good effect on your credit score itself.
Now, I will tell you how to look up the communication rating below, but unfortunately, cheap phone users cannot obtain a communication rating loan because they cannot calculate the communication rating. This is because only the customers of the three telecommunication companies (SKT, KT, LGU+) are calculated for the telecommunication grade. I am very sorry about this.
Communication class inquiry method
SKT communication rating inquiry method
You can check the SKT communication rating through the PINK app. Fintech company Finnq is a joint venture between Hana Financial Group and SKT.
Since it is a joint venture between the two companies, there are a lot of loan services using SKT’s telecommunications grade.
Anyway, you can check the SKT communication rating through the menu called ‘T Score’ in the Fink App.
To view, follow the order of the pictures below.
One
2
If you are using SKT, there is a ‘T Score Search’ list in the ‘Credit’ menu in picture number 2. I am not a SKT user, so there is no list. In this way, you can easily check the SKT communication rating inquiry at any time with the Fink app.
How to look up KT communication rating
You can check how to view KT telecom ratings by accessing the ‘KT Financial Benefit Information Site’.
After accessing the site, click the ‘Check My Telecommunication Credit Rating’ button and authenticate your mobile phone to check the telecommunication rating right away.
KT Financial Benefit Information Site
LGU+ communication rating inquiry method
LGU+ also has communication ratings, but unfortunately, there is no way for customers to directly query communication ratings.
However, honestly, if you do not overdue your communication bill and there are not many micropayments, the communication grade cannot be low.
This part will be covered in ‘How to Raise Communication Level’ a little further down.
Best 3 telecommunications grade loans
Now, if so, let’s introduce what are famous and good loans for communication grade loans.
Whether it’s 1st or 2nd finance, there are a lot of paperless/no-visit small loan products these days, and they are very popular.
This is because you can easily apply at any time with a mobile phone through the mobile app.
However, as with most credit loans, you have no choice but to enter into a loan review based on your credit score.
At this time, the unemployed, university students, and housewives who lack financial transaction activities are likely to have difficulty using loans because their credit scores are not high.
It is also recommended that those who have little financial transaction activity yet and whose credit score is not very high, refer to telecommunication-grade loans.
1. Woori Bank Woori Emergency Loan
Loan conditions: Customers using three telecommunication companies (SKT, KT, LGU+) that can calculate telecommunication ratings
Loan limit: up to KRW 3 million
Loan interest rate: Minimum of 6.34% per annum to maximum of 12% per annum
Loan period: 1 year
Repayment method: Minus Bankbook
Early redemption cancellation fee: None
Woori Bank Woori Emergency Loan is available to anyone who uses three telecommunication companies that can calculate telecommunication ratings.
It is also available to the unemployed and university students because it does not take into account occupation and income.
In fact, 75% of our emergency fund loan customers are in their 20s and 30s.
> Learn more about how to apply for a Woori emergency fund loan from Woori Bank and how to respond in case of rejection
2. Nonghyup AllOne emergency fund loan
Loan conditions: Individuals with a communication rating of 9 or less, etc.
Loan limit: Minimum KRW 500,000 ~ maximum KRW 3 million
Loan interest rate: Minimum of 5.28% per annum to maximum of 6.28% per annum
Loan period: 3 years (no grace period)
Repayment method: Repayment in equal installments of principal and interest
Early redemption cancellation fee: None
Nonghyup AllOne Emergency Loan can also be applied for by any customer using three telecommunication companies that can calculate telecommunication ratings.
A communication rating of 9 or less is a level that satisfies all of them even if you have paid your communication bill well.
In other words, it is a loan that anyone can apply for as long as the communication fee is not overdue.
> Learn more about how to apply for Nonghyup AllOne emergency fund loan and how to deal with refusal
Woori Bank Woori Emergency Fund Loan and Nonghyup Allwon Emergency Fund Loan have a common feature in that they are the same financial sector and provide loans using telecommunication grades.
I have briefly compared the two products through the table below, so it will be helpful for you to refer to them.
3. PINK Loan for Living Expenses
Loan conditions: Customers who passed Hana Bank loan screening (automatic screening)
Loan limit: Minimum KRW 500,000 ~ maximum KRW 5 million
Loan interest rate: Minimum of 3.917% per annum to maximum of 13.937% per annum
Loan period: up to 5 years
Repayment method: repayment at maturity / repayment of principal in equal installments
Early redemption cancellation fee: None
The third telecom grade loan product is the ‘Pink Living Expense Loan’. Finck itself is a joint venture between ‘Hana Financial Group’ and ‘SKT’.
Of course, those using KT and LGU+ can apply for a loan, but customers using SKT can enjoy more benefits through ‘T Score’.
> Find out more about how to apply for a Finnq Living Expense Loan and how to deal with rejection
For reference, the PINK Living Expense Loan is one of the PINK Lightning Loan products.
Pink Lightning Loan consists of 3 types: living expenses loan / emergency fund loan / smart loan.
If you are curious about this comparison and content, please refer to the article below.
> Pink lightning loan order and comparison summary
How to raise communication level
Continuous use for a long time without overdue communication charges
Constant steady use of calls or data, etc.
Reduce microtransactions
Raising the communication level is simple. If you keep the above 3 things well, it will be better.
There are few clear contents or supporting materials that say ‘If you do this, the communication level will go up unconditionally!’
However, based on the related information of ‘T Score’ based on SKT, which has a high market share in Korea, it is possible to infer how to raise or maintain the communication rating.
> Let’s dig into how to raise the communication level in detail
Alternative product in case of rejection of telecommunications grade loan
Most of those who are looking for telecom grade loans are unemployed and college students with low credit activity.
It’s not a lot of money, but there are many people who are looking for it because there is a sudden need for a small amount.
However, if it is inevitably difficult to use telecommunications grade loans, there are several countermeasures.
Let’s take a look together.
Loan for telecommunication delinquents
If you have overdue telecommunications bills, it is difficult to use telecommunications grade loans.
It may be wiser for these people to look for loans for telecommunication delinquents separately and aim for these products.
Please refer to the article below that summarizes the details of telecommunication delinquency loans, so it will be helpful.
> Where can I get a loan for telecommunication delinquents?
1 Micro loan for the unemployed in the financial sector
All three telecommunications grade loans introduced in this article are microloan products in the first financial sector.
In fact, in addition to these three products, there are quite a few microloan products for unemployed people in the first financial sector. The article that summarizes the unemployed microloan products in the 1st financial sector with a high approval rate will be linked below, so it will be helpful to refer to it.
> Comprehensive summary of 9 unemployed loans in the 1st financial sector with high approval rates [Click!]
2Micro loans for the unemployed in the financial sector
The best is 1 financial sector loan. However, there may be cases where all unemployed microloans in the 1st financial sector are rejected.
It’s unfortunate at this time, but I have no choice but to find out about microloans for unemployed people in the 2nd financial sector.
The 2nd financial sector has a disadvantage that the interest rate is slightly higher than that of the 1st financial sector, and credit score management is unfavorable. Please be aware of this.
However, the approval rate is higher than that of 1 financial sector loan products.
> 2 Summary of unemployed microloans in the financial sector [Click!]
Government-supported low-income loans for the unemployed
If you don’t need money right now, it’s wise to use government-sponsored low-income loans.
This is because government-backed loans have very low interest rates.
In particular, there are four types of government-supported loans for the unemployed.
It has a very low interest rate, so please refer to it at least once.
> Summary of 4 best government-supported loans for the unemployed! [click!]
Wrap-up
In this way, we looked at how to look up telecommunication ratings and the best 3 telecommunication rating loans.
I hope this helps in raising funds.