Searching for a rental house that I kept procrastinating on, the 4th time of posting
This time, I would like to write a review of the Kookmin Bank Jeonse Loan I used. 국민은행 빠른조회
In my case, I was a business owner, so the criteria must be business-related.
You may refer to it as it will be almost the same except for the proof of income.
Now, let’s take a look at the 4th process of finding a Jeonse house, the Jeonse loan process. 이베이스매뉴얼
Reasons for choosing Jeonse Loan
I will post one more time later, but the reason I chose Kookmin Bank was simply because my main bank was Kookmin Bank.
It was the easiest and easiest way to get a preferential interest rate because I had been trading for the longest time.
Please refer to the process below for information about how I found a bank before.
Finding a Jeonse House 3] Finding Jeonse Loan Today, we looked at Kookmin Bank and Woori Bank.
March has passed and there are about 40 days left until moving.
Are there different types of leasehold loans?
I will mention this again later, but there was a difference in the limit of the loan for Jeonse funds depending on the guarantee institution.
The guarantee institution I used was Seoul Guarantee Insurance, which allowed up to 80% of the deposit.
In other places, such as HUG [Housing and Urban Guarantee Corporation] and HF [Korea Housing Finance Corporation], the limit was slightly insufficient.
Of course, as for the guarantee rate, Seoul Guarantee Insurance, which is SGI, was a bit more expensive, but the most important thing in finding a jeonse house was the limit, so I had no choice but to choose Seoul Guarantee Insurance.
Kookmin Bank Jeonse Loan Limit and Interest Rate
First, let me tell you what I used, 80% of the 250 million won deposit, 200 million won, and the interest rate is 3.79%.
Here’s what I got for the preferential rate.
Details are as follows
1. Credit card usage experience preferential [0.3%]: preferential treatment when using national credit card
2. Direct debit performance preferential [0.1%]: preferential treatment when direct debit is registered through Kookmin Bank
3. Salary transfer performance preference [0.1%]: preferential treatment when receiving salary transfer through Kookmin Bank
4. Savings deposit transaction preferential [0.1%]: preferential treatment if Kookmin Bank has a savings account
5. Electronic financial transaction preferential treatment [0.1%]: preferential treatment with Kookmin Bank internet banking or transactions through the app
In my case, I received all of the above preferential treatment and received a total preferential interest rate of 0.9%.
Kookmin Bank Jeonse Loan Preferential Interest Rate Conditions
As for salary transfer, there was no way because I was a business owner, but I applied because it was possible to register if I had income on the same day of every month.
Please see the link below for how
Let’s receive benefits from the payroll passbook by designating Kookmin Bank payroll transfer and setting the mobile transfer date
When you go to the bank and open a paycheck, you hear a saying, “When is your payday?” That is to say…
Proof of income?
Proof of income was the most difficult part of getting this Jeonse loan.
Because I got a loan in early 2022, I had to prove income in 2020, but there was a difficulty because there was not much reported income at this time.
So, several methods have been mobilized for proof of income.
In my case, I checked two things.
1. Health insurance payment confirmation
In the case of health insurance, the amount increases in proportion to income, so it can be used as a document to prove income.
However, in my case, it was difficult to get recognition even as a payment confirmation because the reported income was small.
2. Estimated income
This is the method I used
This is a method to check the estimated income based on the amount of card use in the previous year.
In my case, the amount of use of the card is very large due to the use of the gas card.
Last year, about 80 million won, this year, the estimated income was already recognized by using about 28 million won, so I was able to get the limit I wanted.
Required documents?
Now, this is how I found out what happened until I got the Kookmin Bank Jeonse Loan.
If so, I’ve put together a list of what documents are needed.
1. ID
2. Business registration certificate
3. A copy of resident registration
4. A copy of resident registration
5. Confirmation of Health Insurance Qualification
6. Proof of Income Amount
7. Family Relations Certificate
As I said, in my case, I did not have income as proof of income amount, so I needed an additional confirmation of health insurance payment and credit card usage statement.
You can refer
organize
This time, as the 4th time to organize the search for a Jeonse house, I summarized the contents of the Jeonse loan that I used.
It was more complicated than I thought, but the person in charge of the consultation organized it meticulously, so it was easy to use.
I hope that today’s content will be of some help to those who want to save Jeonse like me.