Navigating Debt and Housing Loans: A Financial Journey

He is determined to manage his debts and secure a stable home despite financial challenges.

### Navigating Loan Repayment and Housing Investments
The individual has repaid a **100 million won loan** and plans to settle the remaining **23 million won** by September next year, while also taking on a **160 million won Jeonse loan**. They are considering the Didirum loan due to **income restrictions** and the desire for **low-interest financing**. Currently, they have a **34-pyeong apartment** for **600 million won** with a **60 million won down payment** and are utilizing multiple loans to manage their finances, including a **credit loan of 100 million won**.

### Navigating the Complexities of Home Buying and Investing
The speaker is considering buying a house and paying off the mortgage as a way to **secure financial stability** and **fulfill family responsibilities**. They are facing pressure to take out a **stepping stone loan** and are navigating the **chaotic housing market**. The speaker's financial situation is tight, with multiple loans and expenses, but they see a potential for **extra funds in the future** if managed well.

### Navigating Financial Challenges and Homeownership
The speaker is struggling with **low net assets** and the desire to **secure a home** while seeking forgiveness as a father. The conditions of the stepping stone and support fund loans create complications, making it difficult to **maintain a stable living situation**. With rising expenses for raising two children and the pressure of **credit loan repayments**, the speaker is considering the best course of action to **manage their finances and potentially start over**.

### Navigating Financial Anxiety and Real Estate Investment
The speaker is currently in a **precarious financial situation**, with no spare funds and all loans used up. They express concern about the risks of real estate investment, particularly with **high loan-to-value ratios** and **rising property costs**. The speaker emphasizes the importance of **saving for a financial cushion** and prioritizing **debt repayment**, while also considering the potential benefits of **lower interest rates in the future**.

### The Importance of Caution in Financial Decisions
Paying off debt is about **accumulating assets**, so it's important to avoid hasty decisions, especially regarding housing. Living in a purchased home for **two years before selling** is advisable, while being cautious to avoid any incidents. Managing risky loans and family conflicts can be challenging, but **supporting each other** and considering **group insurance for public servants** can provide some relief.

### The Challenges of Housing Loans
Many people take out large loans to buy homes, but this is not feasible for everyone. Loan limits can reach **up to 600 million won**, and the typical repayment period is **around 7 to 8 years**. This often leads to switching loans or moving houses, as people become **dissatisfied with their homes** and struggle to **manage growing families**.

### Navigating Financial Challenges: Loans, Investments, and Family Responsibilities
* 💰  After facing a stock investment failure, I am left with **23 million won** to repay a **100 million won loan**, aiming to be **debt-free by September next year**.
* 🏠  By September, I will have a total of **200 million won** for a Jeonse loan, which includes a **160 million won loan** and a **40 million won deposit**, all financed through loans.
* 📉  My annual income was around **64 million won** last year, and I believe this is my last opportunity to secure a Didirum loan due to income restrictions that could **disqualify me if my earnings increase**.
* 💸  The Didirum loan is appealing due to its **low interest rates** and the option to make **mid-term repayments**, although many people **sacrifice their jobs** to meet income criteria.
* 🏘️  I have purchased a **34-pyeong apartment** for **600 million won** with a down payment of **60 million won**, and I plan to take out a full loan, which will require monthly payments of approximately **3 million won** for **30 years**.
* 📊  Currently, my spouse and I earn a combined monthly income of about **5.5 million won**, but I anticipate a salary increase next year, which could help **manage our debts**.
* 🔄  I have taken out a credit loan of **100 million won**, requiring monthly repayments of **1.62 million won** for five years, alongside the Didimdol loan and other financial obligations.
* ⚠️  With the rising cost of living and the need to support two children, I must **carefully manage my finances and loans**, as any misstep could lead to **significant hardship for my family**.

30대 남자 "매달 370만 원씩 대출 갚는데 나갑니다" 지금 집 사도 될까요? [상남자들]

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