After the registration system was implemented in June
Once again, jeonse prices are on the rise.
The interest rate is 0.50
There was an announcement that it was going to freeze
Of course once again
There’s a growing desire to buy my own house
Going into effect in July
Expanding the demand for homeless people,
The deregulation of LTV in regulated areas
There’s also the same thing
There’s also DSR for car owners
The maximum legal interest rate
From 24 percent to 20 percent
In real estate and finance
Many changes are foreseen.
I’ll take a moment to find out the details.
The current regulated area is
There are 49 speculative districts
To 111 areas subject to adjustment
More than 70 percent of the population
I’m living in a regulated area
I’ve been investigated.
So there are a lot of people living there, and they have good housing conditions
Most of them have been designated as regulated areas
So for the recent mortgages
When it comes to LTV or DSR
We’re trying to figure it out on a regulatory basis
It was taken for granted.
It’s not just financial regulation like LTV DSR DTI
There are tax issues such as acquisition tax and comprehensive real estate holding tax
Restrictions on resale of occupancy rights or sales rights,
Restrictions on guarantees for Jeonse loans to prevent gap investment,
Restrictions on mortgage loans for more than two houses,
And finally, to the part where we’re submitting the funding plan
There are a lot of regulations.
In fact, what you need is a mortgage
Depending on the purpose of use
Business loans for life stabilization loans
There are three types
The housing fund and the living security fund
It is included in household funds.
Hangwa, the mortgage system of the rental business operator
If you don’t use the loan only to buy a house
Real estate regulations are not applied.
In terms of household loans
The regulation as shown in the table above is being applied
Ease the requirements of the end user and apply the benefits
Many parts are going to be changed.
The table above
This is about to be changed
The most important thing is
The easing of LTV regulations on mortgage loans for the working class
I think it’s the housing market price part.
Now, the LTV is a regulated area
Even if you get benefits from real consumers in overheated speculation zones
50 percent is the limit
The market price is only applied under 600 million won.
Based on the metropolitan area or metropolitan city
The house is under 600 million won
The infrastructure is relatively poor.
Especially in Seoul, where housing prices hit the ceiling
An apartment under 600 million won
It’s less than 20 percent
That’s 900 million won
The target area is 800 million won
A person who can be subject to the actual needs of the working class
It is expected that there will be more apartments.
The loan limit will be extended up to 400 million won
The money I have to hold
It’s also a good thing that it’s relatively reduced.
But this time, it’s going to be implemented together
Because of the DSR part of the car owner
You need to earn a lot of money
There’s less impact on mortgage execution
The standard is over 600 million houses in regulated areas
It applies to more than 100 million credit loans
In a government press release
Here’s an example of what the real demand requirement for the working class is
I’m not realistic I’m being criticized.
Now, the average income of a working couple is
I gave you an example for 81 million won
It’s because I’m far behind
If you look at the whole household
The income is much less
By median income
It’s only about 30 million won.
Also, even if LTV increases like this
To buy a house
I have a lot of money to hold
So there’s a lot of people who need extra loans
If you think about these extra loans
There are some difficulties because there is no room for DSR.
The regulation of DSR by car owners
Like I said earlier
The extra loan part
From the maturity loan product which is extended by the due date
It affects the most
Even if it doesn’t apply until now
In the case of an extension review after that
Influenced by DSR regulation
There may be cases where the extension review is rejected.
It’s also a life-stable loan
Like a business loan
When I need a subordinate mortgage
Pay back the existing loan
Excluding the set amount
When I need a subordinated mortgage
When you need an unregistered apartment loan or a credit loan
When you need a mortgage in the form of a self-secured loan
I got it when I bought it
It’s common to have a purchase loan
Calculating the principal and interest based on the total debt
Because DSR is the standard
Difficulties can arise when running additional loans.
Here’s the solution
The DSR standard is higher than 40 percent of banks
The DSR in the second financial sector is high at 60%
Using the 2nd financial sector is the most recommended.
Especially when you need to transfer
I’m keeping low interest rates
It’s a rate that’s no different from banks
It is used the most in additional loans.
Mortgage loans for P2P products
It’s usually used in subordinated mortgages
It’s a fund with no purpose
There is no need to calculate mortgage regulations or DSRs.
The one thing I’m most reluctant about is P2P
It’s high interest rate
After the legal maximum interest rate cut
It remains to be seen how it will change.
Financial instruments are also a commodity Bonny
We need as many comparisons as possible.
All of these financial institutions’products
To check all at once
I need professional help
Help from an expert
The easiest way to get it for free
The rate of interest rate 모바일상품권 comparison
How to proceed
It’s getting simplified in the age of uncontact
The interest rate comparison to the wise use of financial instruments
It’s becoming an essential process.