KB Kookmin Card Installment Fee Calculator Simulation Shortcut (Partial interest-free for 10-12 months)
Kookmin Card Installment Fee Calculator
Credit card installments are often used to purchase expensive laptops, smartphones, and home appliances. KB Kookmin Card can easily calculate the installment fee in the application, and you must check the interest rate for the partial interest-free fee for 10-12 month installments and use the installment plan.
If you pay with a partial interest-free installment payment with KB Kookmin Card, you may have to cancel the installment payment due to unexpectedly high interest. Let’s find out how to look up using the installment fee calculator in the kb Kookmin Card application. 국민카드 할부 수수료
Woori Card 6-month interest-free event in progress for all businesses in March 좋은뉴스
From March 1 to March 31, 2023
▶ Go to the Woori Card interest-free event
Kookmin Card interest-free installment confirmation
KB Kookmin Card interest-free installment member stores
Before making an installment payment, you must check if there is a shopping mall that is proceeding with interest-free installments. You can check interest-free installment plans in the KB Card app at interest-free installment affiliate stores, and the shopping mall you want to purchase also guides you to credit cards that offer interest-free installments.
Check installment fee in kb Kookmin Card
Installment commission rates vary greatly from person to person. In the case of customers with good credit and active card use, the rate is relatively low at 8.69%, but on the contrary, it is quite high at 19.95% for customers with poor credit and poor card usage patterns. To check the installment fee in KB Kookmin Card, you can use the installment fee calculator.
KB Kookmin Card Installment Fee Calculator
If you use the installment fee calculator on the kb card app or website, your installment fee rate is automatically applied and you can conveniently calculate it.
Estimated Installment Fee
Homepage -> my KB -> Card Usage -> Estimated Installment Fee (☞ Shortcut)
Interest-free installment fee
If the installment fee is 19.75% If you pay 1 million won in 12 months in installments, you will be charged monthly installment fee. The installment fee decreases as it approaches 12 months, and the total installment fee for 12 months for KRW 1 million is KRW 109,465. Adding the installment fee and the principal amount is KRW 1,109,465.
KB Kookmin Card Partial interest-free fee
Even in the case of partial interest-free KB Card, you can use the installment fee calculator to calculate. If there is a partial interest-free event among the contents of the no-interest event, if it says 12-month partial interest-free installments (exempt from the 6th installment), you must pay the installment interest from the 1st to the 5th installment. It’s possible. (see table above)
For partial interest-free installments, if 1 or 2 installments out of 12 months are borne by the customer and the remaining 10 months are interest-free, the 1-2 installment fees are the highest. Therefore, it is not recommended to purchase with partial interest-free purchases, and since interest-free installments are different for each shopping mall (Gmarket is 10 months interest-free, Coupang is 3 months interest-free, etc.), it is important to find a shopping mall where you can buy interest-free.
What is the alternative to too expensive fees?
Since the credit card company installment fee is too burdensome, the best way to purchase an expensive product with installment payment is,,
1. Use interest-free 2-3 months.
2. Use an emergency fund loan.
☞ A collection of emergency fund loans available to the unemployed
Emergency fund loans that can be used by unemployed people (college students, housewives) have an interest rate of 4% to 7%, which is much lower than credit card installment fees, so using 12-month principal installments is a way to save much more.