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There are many people who think that single-home owners cannot take out a deposit loan.
However, even those who own one home, not those who do not own a home, can get a lease loan. Let’s find out now.
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A one-home rental deposit loan is a loan product that allows homeowners to receive a deposit loan using their own house as collateral.
The limit for a lease loan for a single homeowner (the combined number of homes owned by the owner and spouse is 1 home) is up to 300 million won for SGI Seoulbo, and up to 200 million won for Korea Housing and Urban Guarantee Corporation HUG and Korea Housing Finance Corporation HF.
SGI is available up to 80% of the deposit and is additionally applied differently depending on credit score.
Housing and Urban Guarantee Corporation HUG allows loans up to 80% of the deposit, and additional loans are applied depending on credit score, up to 90% for newlyweds or young households.
(SGI Seoul Guarantee is a private guarantee, Korea Housing Finance Corporation HF, and Korea Housing and Urban Guarantee Corporation HUG are public guarantees.)
Currently, in the regulated areas of Gangnam-gu, Seocho-gu, Songpa-gu, and Yongsan-gu, jeonse loans exceeding 300 million won for apartments and single-home owners are restricted.
If you own a villa or multi-family home rather than an apartment in a regulated area, you can use a jeonse loan guarantee. From March 23, you can receive a jeonse loan even if the house you own exceeds 900 million won or the combined annual salary of a married couple exceeds 100 million won.
Let’s take a closer look at the conditions for SGI Seoul Guarantee, Korea Housing & Urban Guarantee Corporation HUG, and Korea Housing Finance Corporation HF.
SGI Seoul Guarantee has no limit on the rental deposit, and the product cannot be used if the lessor is a corporation or foreigner.
For Housing and Urban Guarantee Corporation HUG, the rental deposit must be less than KRW 700 million in the metropolitan area and KRW 500 million in other areas.
If you additionally subscribe to the deposit return guarantee insurance, a guarantee fee will be incurred, and even unemployed people with no income can use the product.
Korea Housing Finance Corporation HF, like HUG, requires a rental deposit of 700 million won or less in the metropolitan area and 500 million won or less in other regions. If you are unemployed with no income, the lessor is a corporation, or a foreigner, you cannot use this product.
If you fall under the exceptions for a lease loan for a single homeowner, you can receive a lease loan regardless of the area and price of your apartment.
If you meet all the conditions for a single-home rental deposit loan, you can get a loan from a commercial bank in the first financial sector. Kookmin Bank, Woori Bank, Shinhan Bank, Hana Bank, etc. are all available, as well as Kakao Bank, Toss Bank, etc.
Interest rates vary depending on the bank, so please research carefully before making your choice.
Today, we learned about rental deposit loans for single-home owners. For those who need a mortgage loan for a single home
I hope this helps you a lot.
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