청년전용 보증부 월세대출Now, we will tell you in detail about the youth-only guaranteed monthly rental loan, which provides support for the deposit and monthly rent of up to 47 million won at a low interest rate of 1% to many young people starting their new social life. First, please check whether a deposit or monthly rent support is available.
You can apply within 3 months from the date of balance payment or move-in report date indicated in the rental agreement, whichever comes first. However, if you are applying when renewing your contract, you must apply within 3 months from the date of conversion.
Houses eligible for a guaranteed monthly rental loan exclusively for young people are houses with an exclusive area of 60 m2 or less or residential officetels with a rental deposit of 50 million won and a monthly rent of 700,000 won or less.
The loan limit is calculated as the smaller of the above amounts. For example, if the deposit for a house is 20 million won and the monthly rent is 200,000 won, the total amount of the deposit and monthly rent loan is 24.8 million won, and if the rent for the house is 40 million won, you will receive a smaller amount of 24.8 million won rather than the general limit of 47 million won. It will.
Please pay attention. The loan interest rate is 1.3% per annum for the deposit, 0% for monthly rent within 200,000 won, and 1.0% for exceeding 200,000 won. In other words, if you live with a monthly rent of less than 200,000 won, you can get an interest-free loan.
Guaranteed monthly rental loans for young people have a maturity of 25 months and require lump sum repayment. However, it can be extended four times and up to a maximum of 10 years and 5 months.
To apply for a guaranteed monthly loan for young people, you can do so at Woori Bank, Industrial Bank of Korea, Shinhan Bank, Kookmin Bank, and Nonghyup Bank. We recommend that you apply at a bank you frequently use.
If you are taking out a loan for the first time, the most important thing is early repayment. Because it is a youth-only loan, there is no early repayment fee.
1. If you acquire a house while taking out a loan, you must repay the loan.
2. This loan is not available if you live in a share house.
3. A second financial institution cannot repay the deposit loan on your behalf.
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Receive 2.4 million won in monthly rent support for young people
