I think there will be a lot of people who are dreaming of setting up their own home as a new year's goal in 2021 But what I can't achieve as easily as I thought is my own house. Especially, the more I go to the metropolitan area, the higher the housing price, the more I give up. So today, we're going to take a look at the terms and conditions of the 2021 newlywed couple's sales loan.
What is the 2021 newly married couple loan?
To find out about the terms of the 2021 newlywed couple's sales loan, we need to know what the product is, right? It's a loan for newly married couples who don't have enough money to buy their own homes. There are a number of difficult conditions, such as the combined annual income of the couple should be less than 70 million won and the owner of the homeless household.
In fact, buying a honeymoon house is a lot of work, so I have no choice but to use a loan. As it is a product that is only available to newlyweds and is a state-funded loan product with low interest rates, it is also thoroughly reviewed for employment, income and assets held. Now, let's learn about the terms and conditions of the 2021 newly married couple's sales!
2021 Newlyweds for Sale and Loan Target
In order to receive the newly married couple's sales loan, all the conditions listed below must be met.
1. You must be an adult household owner under civil law based on the date of loan receipt.
2. A person must have signed a contract to 비대면 폰테크 buy a house, but a contract to sell a house due to inheritance, gift or division of property will not be handled.
3. All household members, including household owners, should be homeless.
4. You must not have used the mortgage that the Housing City Fund or the Bank is selling.
5. The combined net asset value of the applicant and the spouse must be less than KRW 394 million.
6. The combined annual salary of the applicant and the spouse should not exceed 70 million won.
7. If you have a credit problem, you are not eligible to apply for a loan.
8. The criteria for newlyweds refer to couples who are scheduled to get married within three months, or married less than seven years after registering their marriage.
2021 Newlyweds' Commercial Loans
Under the next 2021 terms of the newlywed couple's sales loan, available housing is separately divided, which can be explained by dividing it into the metropolitan area can be explained.
1. For metropolitan areas (Seoul/Gyeonggi/Incheon)
In the case of the metropolitan area, the dedicated area is limited to 85 square meters or less. The valuation of the mortgage should not exceed 500 million won.
2. Non-metropolitan areas (other townships/myeon areas)
The non-capital area has a slightly larger dedicated area than the metropolitan area, and the limit is increased to 100 square meters, and the valuation of collateral housing is the same at 500 million won.
2021 Mortgage Rates and Limits for Newlyweds
The loan limit is set at up to KRW 220 million, but for households with two or more children, up to KRW 260 million.
2021 Loans for Newlyweds Preferential Rate
Loan interest rates vary depending on the income level and duration of the applicant and spouse. You can use it from the lowest annual rate of 1.99% to the maximum annual rate of 2.1%, and the criteria for applying preferential interest rate are as follows.
1. Subscription savings subscribers
If you are a subscription savings subscriber, interest rates will be reduced by 0.1%p per year if you pay more than 12 times in a year. If you pay 36 times for 3 years, you can get a 0.2% p discount.
2. Electronic contract
Second, the interest rate will be lowered by 0.1%p per year when the contract is made due to the electronic real estate contract.
3. When you have children
If you have children, the preferential interest rate is also applied. 0.3% p for single-child households, 0.5% p for two-child households, and 0.7% p for multi-child households.
The minimum annual interest rate applied after this preferential rate is 1.2%.
Preparation document for the 2021 newlywed couple's sales loan
An applicant's ID is required and a copy of the resident registration is required for newlywed households who have registered their marriage. If it's a reservation tool, it's possible instead with a wedding hall contract or invitation. Also, you need to have a certificate of employment or a certificate of qualification for health insurance to check your employment. Business operators need a business license and office workers must have a withholding receipt. A certificate of registration and a certificate of seal are also required.
So today we've talked about the terms of the 2021 newlywed couple's sales loan. Real estate loans are a fund to identify homes, so it's most profitable to get them at low interest rates as the loan period is long.