Recently, it is time to renew the Jeonse Loan.
Curious about interest rates?
I am also curious about the repayment loan. 국민은행 대출상담
I have been consulting with Kookmin Bank.
Hello, this is my husband Huni 😁 이베이스매뉴얼
This consultation is as of May 27, 22nd.
Current status of our assets & loans
We are married and are living in a house with a loan for the newlyweds. In July of this year, the two-year contract expires, and it is necessary to extend it. However, our current situation is that we became a single homeowner in March, 22nd, and the house is an apartment in an area subject to adjustment of less than 900 million won. Therefore, it is now impossible to extend the Jeonse loan for newlyweds, and it is necessary to obtain another housing Jeonse fund.
✔️ Asset & Loan Status
– One homeowner worth 700 million won in the area subject to adjustment from March 22nd
– Jeonse loan for newlyweds is due in July of this year
There are three types of Jeonse loan products.
HF ( Korea Housing Finance Corporation )
There is no return guarantee There is a keeper, so we need to find out if it is possible to join the property.
The interest rate is the lowest among the three products
As of May 27, 22, the loan was recently issued at 3.73% including the preferential interest rate.
HUG (Housing and Urban Guarantee Corporation)
You have to pay a guarantee fee, which was discounted last year, but these days the guarantee fee is about 0.154%. If you borrow 100 million won, you have to pay a guarantee of 500,000 won. If you borrow 200 million, you have to pay a guarantee of 1 million won.
SGI ( Seoul Guarantee Insurance )
If the total amount of the married couple exceeds 100 million won, only the relevant product can be subscribed.
Establishment of Pledge for Lease Deposit Return Receivables
Subscribe to KB Insurance’s rights insurance
repayment loan? and the procedure
An exchange loan refers to the process of converting a loan to another bank. It is used to change to another bank when renewing the loan when the interest rate of the bank to which the loan is high is high.
✔️ Loan process
Kookmin Bank repays the loan to my bank account -> I repay the loan with the amount received -> Receive a repayment receipt from the borrowed bank -> The additional increase amount from Kookmin Bank is deposited to the landlord
Preparatory documents for Jeonse Loan
✔️ Prepared documents
Financial Transaction Confirmation (Banking Bank)
Worldwide agreement ( 5% receipt confirmation date )
ID card
A copy of resident registration (including address history)
Earned Income Withholding Tax Receipt 2021
Earned income withholding department by income earner (from date of employment to present)
Salary transaction confirmation (copy of bankbook)
Health Insurance Qualification Certificate (Currently Self + Spouse)
Certificate of Employment
a copy of the register
Building management manager
Brokerage confirmation
deed
final cleanup
The Korea Housing Finance Corporation’s Jeonse Loan from Kookmin Bank recently received a loan at an interest rate of 3.73%.
If you borrow 200 million won, 7,460,000 won per year / 621,600 won per month
You can go to the bank 2-3 weeks before the house contract and apply for a loan.
Then, you must obtain the worldwide contract in advance.
It is better to use a credit card and pay transfer to receive the preferential interest rate.
In the case of money transfer, only 500,000 won or more per case must be confirmed
Prepayment fee (which is incurred when you repay an amount in the middle). There is no fee for repayment 3 months before maturity
It takes about 1 hour and 30 minutes to consult with the bank, so please make a reservation in advance.
You have to choose between HF and HUG.
It is necessary to check whether a security loan return guarantee is added in the mortgage loan for newlyweds. They would ask you to take out the financial transaction confirmation, but if you give them a repayment receipt, there is no problem.
Please note that the loan interest rate varies from bank to bank, and the loan interest rate varies from month to month.
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DSR conditions and applicable Jeonse loan, and how to easily calculate it