1주택 전세자금대출May 25, 2022 5:43
hello? I am the guardian of Seonyudo.~
Among our office guests today
Let’s look at the officetel where your children will live.
We discussed the loan issue.
Whether it is possible to get a loan for renting a single home
Let’s take a look at the conditions.~
1 home rental loan
First, if you own two homes
Loan money for lease after signing a lease in another place
Applying is difficult.~
So what if you own a single home?
There are always two sides to real estate.
In some cases,
In some cases, it doesn’t work
It’s really complicated.~
In the case of one homeowner,
There are two sides, so be careful.
★ One-home rental loan conditions ★
Market price for one house: 900 million won or less
* Based on market price
Apartment – KB/Real Estate Tech Price
General housing – 150% of public price or appraised value
Speculative area or overheated speculation area
Acquired after July 2020
Apartments exceeding 300 million won
1-home rental deposit loan
Whether it is possible or not depends on the price of the house you own.
The price is based on the market price of the house owned.
Sale price at the time of loan
Only if it is less than 900 million won
Loans are available.~
In addition, within the dumping area or overheated dumping area
After July 2020
If you purchased an apartment worth more than 300 million won
Regardless of the current price
Loan for rent is not possible.
Coincidentally, the person who came to the office today
I am a homeowner who recently purchased an apartment through a quick sale.
Regardless of the current price above
It has been confirmed that it is difficult to get a loan for rent.
★ Lease loan limit for one homeowner ★
(Public) HF Housing Finance Corporation 200 million won
(Public) HUG Housing and Urban Guarantee Corporation 200 million won
(Private) SGI Seoul Guarantee Insurance 300 million won
* Only private sector when combined income of a couple exceeds 100 million won
In the case of one homeowner, the public guarantee is 200 million won,
Private guarantees are available up to 300 million won.
However, if the combined income of the couple exceeds 100 million won,
Public guarantee is difficult.
In the case of private SGI Seoul Guarantee Insurance
Apartment, multi-family, townhouse, residential officetel, etc.
Because we handle all products,
The loan limit for jeonse funds for one homeowner is
It’s possible up to about 300 million
It would be better to think about it.
Of course, the final jeonse loan limit is
Personal credit score, income, and debt
It may vary depending on the situation.
SGI Seoul Guarantee Insurance
Of the jeonse deposit of up to 500 million won
This is only possible within a maximum of 80%.
In addition, the terms and limits of a single-home rental deposit loan
Situations you need to be careful about when considering:
Even if you receive a loan under these conditions and limits,
After using the loan, the market price rises
If you re-loan, the extension is
It’s difficult.~~
1 house owner
These were the terms and limits of the jeonse loan.
#1-1, Shopping Center, Building 107, 9 Yangpyeong-ro 24-gil, Yeongdeungpo-gu, Seoul
Based on 15 years of strategy/planning work, real estate information, certifications, employment/opening of a business, and product introduction. No. 11560-2021-00120 Director Yoo Byeong-jikT02.6268.8989
