1주택 전세자금대출2023. 1. 31. 18:00
I think it might work.
Only good news continues to come out for single homeowners.
A homeowner with money
He motions for us to quickly buy one more unit.
[content summary]
1. Mortgage loan permitted for multiple homeowners and rental/sales businesses (end of March)
LTV: (multi-homeowner) regulated 0→30% / (rental/sale business) regulated 0→30%, non-regulated 0→60%
2. Expanding the supply of special mortgage loans (previously announced)
https://blog.naver.com/yjhmisty/222991727269
Seeing as my parents know about it… it’s clear that people are very interested. Yesterday, I asked about this and that about special housing…
blog.naver.com
3. Supply of fixed interest rate jeonse loan products (1st quarter)
https://blog.naver.com/yjhmisty/222981476462
To summarize the government’s current real estate policy, it is to be resolved in all directions and faster than expected. Loan in less than a year…
blog.naver.com
4. Provision of jeonse loan guarantee for couples with a combined income of more than 100 million won and one home with a market value of more than 900 million won (1st quarter)
However, it is not possible for those with multiple homes, and those with one APT exceeding 300 million won in speculation areas are not allowed (there are no homes under 300 million won in speculation areas, so in fact, speculation areas are not allowed).
5. Abolition of regulations on rental deposit refund loans (1st quarter)
Last November, it was announced that only LTV would be released.
https://blog.naver.com/yjhmisty/222925702148
Now, all LTV loans related to real estate housing mortgages have been resolved. [Summary of loan regulation easing] Last post…
blog.naver.com
The obligation to move into houses exceeding 900 million won in regulated areas and the duty to dispose of other houses for those who own multiple homes will also be abolished.
6. DSR applied at the time of existing loan for 1 year when refinancing the main loan (1st quarter)
DSR at the time of existing loan is applied to borrowers whose loan limit has been reduced due to rising interest rates and DSR regulations (increase is not possible).
+My thoughts
Restrictions are lifted almost once a week.
That means the government hates real estate PF risks and sudden drops.
The most effective things in this regulation are numbers 4 and 5.
This is a policy to increase demand for jeonse and prevent a reversal by expanding jeonse loans to high-priced houses and high-income single-home owners.
ex. A person with an annual income of 200 million won who owns a 1.5 billion won apartment in an unregulated area (Mapo, Gwacheon) can also take out a lease loan to live in Gangnam or other areas.
The biggest beneficiaries of this policy are those who have already rented a house without a lease loan.
You can use a jeonse loan when changing or purchasing an additional pre-sale right.
There’s no way I didn’t know this… Looking at recent policies,
In fact, it seems to mean that the government will not regulate up to two houses, but this is my personal opinion.
Most likely, it will be implemented within the first quarter.
Considering the situation, additional expansion of LTV for single homeowners, preferential LTV treatment for registered rental business operators, etc.
Additional easing of lending regulations will also be announced in advance.
The reason it fell so quickly
This would be the first time that regulations were lifted quickly.
Watch the situation carefully and make adjustments accordingly.
In particular, those who own a single home are encouraged to make good use of it.
Good Luck~
https://blog.naver.com/yjhmisty/222997015652
There is something urgent about one policy per week. I think it has been a while since the transfer tax was eased… https://blog.naver.com…
blog.naver.com
Still an office worker, a clumsy Naver influencer, I like books/exercise/travel/money, and I write about a happy life that achieves three things: freedom, health, and human relationships. Contact: jennyycom@naver.com
