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[#KnowingLoans] Digging into government-backed loans
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[Small and medium-sized business youth jeonse fund series table of contents]
Part 1: BEST 5 tips for renting loans for small and medium-sized businesses
Part 2: BEST 5 Frequently Asked Questions on Small and Medium Business Youth Jeonse Fund Loans
Part 3: Summary of 13 documents required for small and medium-sized business youth jeonse loan
Small and medium-sized young people’s lease loan is already a good enough loan. However, did you know that there is a way to receive even more benefits when receiving a small business youth jeonse loan, and a way to receive a small business youth jeonse loan? Today, we will tell you how to get a loan for small and medium-sized youth rent more effectively from Alda.
When lending jeonse funds to young small and medium-sized businesses, a guarantee fee of approximately 600,000 won must be paid for a loan of 100 million won in the final contract, and a discount on this guarantee fee is available. step! It is not an automatic discount, but the loan manager must check the system to receive a discount on the guarantee fee. Discount conditions are as follows. 1) Discounts are applied based on income conditions ex) 50% discount for annual salary of 20 million won or less, etc. 2) Newlywed discount (50% applied) + etc.
Be sure to check with the person in charge at the time of loan for the conditions under which the guarantee fee can be discounted, and receive the discount. If you receive a discount, you can get a discount of more than 300,000 won.
When signing a real estate contract, you can add conditions of your choice at the end as a special contract. If you add a special contract in case something goes wrong with the deposit loan, if there are any variables related to the date of the deposit loan contract, you can receive legal protection (e.g., receiving a deposit back) through the special contract conditions.
Regarding matters involving special contracts, agreement with the landlord is required, so we recommend that you consult with a real estate agent to coordinate this at the time of signing the contract. Special provisions that would be good to include in the contract are as follows:
The youth rental deposit loan can be extended a total of four times. Additionally, if you pass the re-examination in the first year, it will be extended one more time with the same 1.25% interest rate! However, after the first year extension, the interest rate of 2.3 to 2.9% for the support jeonse loan will be extended. Still, it is cheaper than commercial lease loans. Let’s make a future asset management plan by knowing that you can benefit from a low interest rate of 1.2% for a total of 4 years when taking out a loan, and that you can receive a youth deposit loan for up to 10 years 🙂
If there is a house you like, but it exceeds your rental budget… It is good to know that if the deposit is 10 million to 20 million won expensive, the contract is usually made by converting the deposit of 10 million won to a monthly rent of 50,000 won. If it is expensive, about 10 million won, pay an additional 50,000 won, and keep in mind that mutual consent is required when signing a contract with the landlord! (Varies by region 30,000 – 50,000 won)
This is an area that many people overlook. The most important and difficult thing when taking out a small business youth lease loan is finding a house that is eligible for a small business youth lease loan! The house to be rented out must have only one owner, the house itself must not have a loan, etc. Finding a house is tricky… Therefore, it is a good idea to tell the real estate agent in advance that you are looking for a rental loan for small and medium-sized businesses and look for a property.
There are people who do not know much about rental deposit loans for small and medium-sized business youth and recommend properties for sale. Let’s make sure that the real estate owner knows about properties that can be loaned for deposit funds for small and medium-sized business youth and find out about the properties. That way, when you apply for a jeonse loan later, you won’t hear things like ‘You can’t get a jeonse loan for small and medium-sized business youth with that house!’
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