With the end of the year approaching, the housing market atmosphere, including sales, sales and monthly rent, and the outlook for interest rates are chaos itself. Last year alone, interest rates were hard to predict now, ranging from 5% to 6%.Perhaps that’s why the demand for borrowing money from financial companies to buy houses and move into jeonse has decreased significantly. If possible, it’s the mood to just live at home. In particular, leaseholders are in a reverse lease crisis because demand for lease is completely missing. What’s the reason for this phenomenon?First of all, the interest rate on lease funds has become too high. There may be no difference from the monthly rent or even higher. For that matter, we prefer simple monthly rent that is not complicated. Also, there are a lot of apartments that have been sold in large numbers over the years nationwide. Originally, there are a lot of things on the lease to pay the balance. In addition, since August this year, the number of jeonse items has increased due to the abolition of the transfer agreement at the time of balance. https://n.news.naver.com/mnews/article/009/0005015891?sid=101″I can’t get a tenant, I can’t pay the balance”…Due to the overflow of jeonse and monthly rent sales in Seoul, 34,284 jeonse sales of apartments in Seoul have also increased sharply, and even if the price is lowered by 100 million won, most tenants prefer anti-jeonse and barely moved into apartments sold. The move-in date is approaching, but the original house is not sold. news.naver.comAs a result, lease prices are falling sharply. Therefore, there are many cases where people move in directly or change their plans to monthly rent tenants. In this case, you will not receive a lump sum of money from the lease tenant. There are many cases where you have to get the maximum amount of loans for the balance of apartments for sale.That said, it’s not easy either. First of all, there are many difficulties in the balance loan limit of apartments for sale, such as the fact that new apartments are secured without preservation registration until a certain period of time, the characteristics of the cluster with strict debtor qualifications and income proof, and the strengthened dtidrsr regulation.https://blog.naver.com/lvst7370/222637479618What is the difference in the process of preservation registration versus security after the balance loan of a new apartment?Large-scale housing supply policies are now pouring in day after day. Therefore, it is expected that there will be many new entrances in the next few years…blog.naver.comWhat is the difference in the process of preservation registration versus security after the balance loan of a new apartment?Large-scale housing supply policies are now pouring in day after day. Therefore, it is expected that there will be many new entrances in the next few years…blog.naver.comHowever, once the preservation registration is released, it may be easy to apply to a financial company other than the group. This is because regulations that are not well applied by the group, such as third-party collateral and income conversion of card usage, can be utilized. So let’s try to put all these different ways together.SSidde, 출처 PixabayII. Calculation of the ltv limit The current ltv according to the apartment area is 40% of the market price of speculative and overheated speculation zones, 50% of adjusted areas, and 70% of other areas. Only 60% of the three homeowners (including eligible items) are in other areas, and the balance loan limit is not calculated in other areas. Regulated areas are homeless and single-home owners, and only two-year existing housing disposal agreements are possible. However, there are other regulations that extend the limit of ltv.㉠If the appraised market price is 500 million won, and the appraised price at the time of moving in is 700 million, most financial companies can calculate the l limit by applying the latter. In this case, the ltv limit increases, if dtidrsr is satisfied depending on your income. However, appraised prices may vary from financial company to financial company. It’s a bit of a down trend these days.㉡The first time in life and the first time in the life of the common people means that you, your spouse, and members of the household have never had the right to buy a house and the right to move in, except for the apartment. Under the conditions mentioned above, the actual consumers of the working class do not have any at this time, and the combined income of the couple (only themselves in the case of unmarried) must be less than 90 million won per year. If this is the case, there is a special case for ltv.For the first time in life, it is applied up to 80% regardless of region and income, up to 600 million won based on the amount. However, if you want to apply the appraised price at the time of moving in, you can apply up to 600 million won at 70%. Dti 60% dsr 50% (40% of bank notes) applies to houses under 900 million speculation and overheated speculation zones, 50% more than 60% up to 600 million ltv and 60% more up to 500 million ltv in adjusted areas. The maximum amount is 400 million won in all regions. Unregulated areas are not applicable. Again, dti 60% dsr 50%.These two conditions maximize ltv and allow dti to receive special benefits. However, if the occupancy price is higher than the sale price in a new apartment, 70% must be applied for the first time in life to apply the occupancy price. This is because 80% application is mi condition, so the lower of the sale price or market price is applied.And the first time in life and the real users of the working class are not policy financing products. It’s not like stepping stones or roosting rules. It may be applicable only for eligibility. However, it is basically a rule that applies to the sale of financial companies’ own products.Bastianff, Source UnsplashⅢ. Income proof methods In the case of the combined income of ㉠, the income is summed up only for couples. If the debtor’s income is insufficient, the spouse’s income can be added up. Until a while ago, the spouse who gave income had to have no main counsel. But now it’s possible. Instead, we add up the debt. And no matter how much debt your spouse has, if you don’t add up your income, it doesn’t affect the debtor at all. The spouse who is the collateral provider is the same.㉡If you work for more than one month, you can only earn income that you currently maintain. Resigned jobs, closed businesses, and dismissed freelance income are not available. Instead, only earned income can be converted annually and applied when serving for more than one month. However, some financial companies only recognize earned income for more than three months or a year.㉢The second or more mortgage is calculated as 15 years dtidrsr If a person with a loan in use for an existing house or right to sell applies for a new apartment balance loan limit, it becomes the second mortgage. In this case, there is a rule that the actual execution is 40 years, but the dtidrsr calculation is 15 years. Therefore, it is difficult to pass the standard even if the income is very high.If the spouse becomes the debtor, and you only provide income, you do not fall under the second mortgage on a debtor basis. This allows the calculation period to be reflected normally and makes it highly likely to pass. If your spouse’s income is sufficient and you don’t add up, it’s even better because you don’t add up your debt.㉣Anyone who works in a sales position that deducts 3.3% of the 60% of the business income withholding receipt of a resident shall submit an income certificate issued after reporting the comprehensive income tax attributable to the previous year in May every year as an income document. Then, if the income amount of the certificate is much less than the actual income, or if it is difficult to issue a certificate because it has not been reported yet, the resident’s business income withholding receipt can be submitted. It is possible only if you are currently commissioned, and 60% is recognized. Then, in most cases, 60% of the income applied is higher than the income amount of the certificate of income.Excerpt from Housing Finance Corporation’s Bogeumjari Loan Business Processing Standards㉤ Elderly people who utilize declared and accredited income. Debtors with no income, such as housewives, or less than 24 million won per year in income reporting can use the amount of use (reported income) subject to credit check card year-end tax adjustment deduction or the amount of health insurance (recognized income) as income for dtidrsr conversion. At this time, the converted income is allowed up to 50 million won. If you don’t have any other debt, it’s converted income with a significant balance limit.If you use the card annually or for the last year, about 26 million won/excluding long-term care, you can pay 50 million won per month on average for the previous three months. You must submit data that can confirm your annual income report of 24 million won or less based on your card and health insurance based on the total amount of married couples.Let me take a look at the case of consultation on the limit of the balance loan of the apartment for sale. Currently, it was a temporary house that had to pay the balance of moving into a regulated area while owning and living in one house. At first, the plan was not to apply for a group with a tenant on the lease. However, many households came out on a lease at once, and due to the reverse lease crisis, they changed to monthly rent tenants and signed a contract.The problem is that the monthly rent was small, so I had to get the balance loan limit. The preservation registration has already been released and the market price assessment was easy. The nominee’s own earned income was also high. However, since the current residential housing mortgage is in his/her name, the application for the balance loan limit for apartments for sale was the second time, and the dtiddsr was not passed. And it was not easy to borrow a third-party mortgage in the name of a spouse at the group stage because he was alone.My spouse was a housewife and a dependent on my husband’s family. It was possible even if it wasn’t a group because the preservation registration came out. The husband provided income and the wife became the debtor, so it was not second in the debtor’s denial standard. This enabled the reference to pass. Moreover, the spouse’s wife used a lot of credit check cards a lot. Therefore, it was possible to pass dtidsr without adding up income.buduczki, 출처 UnsplashAfter the preservation registration, we gathered various ways to apply for the balance loan limit for apartments sold in financial companies other than collective units. Please refer to the applicable parts of the entire contents. On the other hand, many people are upset that the current interest rate is too high compared to not long time ago. These days, most of the cost of setting up a collateral security is borne by financial companies. All institutional financial firms are the same.When the prepayment fee period of 3 years has elapsed, consider the exchange with a low interest rate. The debtor does not have much burden, such as 1/2 stamp duty, bond discount, and cancellation of existing collateral security. Current interest rates are not common, even considering many things like that. It’s very likely that interest rates will be lower than they are today after many years. However, please prepare the dtiddsr income proof plan well for that time.Candy His Sweet Source PixabayCandy His Sweet Source Pixabay
