New Growth Special Loan: Detailed Requirements and Benefits

The New Growth Special Loan requirements are detailed, including eligibility, income, interest rates, and application process.

### New Growth Special Dream Loan: Detailed Requirements and Application Process
* 🏡 The New Growth Special Dream Loan consists of two loan products: the **New Deal Dditumter Loan** for home purchase and the **New Deal Support Loan** for jeonse funds.
* 📝 To receive the Shinhan New Special Dividend Loan, you must have already signed a housing purchase contract, and the **head of the household and all household members must not own a house**.
* 👶 Special requirements include being a household that has **given birth to or adopted a child within 2 years** of the loan application.
* 🚫 Overlapping loans with existing support loans are prohibited, and loans are not allowed if the borrower or spouse is using a housing loan for a **different property**.
* 💰 The loan amount is determined by the **smallest amount** among various factors, with the **maximum loan amount being 500 million won**.
* 📆 A special interest rate is applied for the **first 5 years**, and the interest rate changes after the **special period ends**.
* 👪 The combined income of the couple must be **less than 130 million won per year**, and the combined net assets in 2024 should be **less than 469 million won**.
* 🏦 Designated banks for the New Growth Special Loan are **Woori Bank, Shinhan Bank, KB Kookmin Bank, NH Nonghyup Bank, and Hana Bank**.

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The Special New Deal Loans: What You Need to Know

The special New Deal loans consist of two products: home collateral loans for home purchase and jeonse fund loans for jeonse funds.

The eligibility criteria for the Shinhan New Special Dividend Loan require the head of the household to be at least 19 years old and not own a house, with special provisions for those who have given birth to or adopted a child within 2 years of the loan application.

Overlapping loans with existing support loans are prohibited for the New Life Special Support Loan, and the Housing Urban Fund loan has specific restrictions on usage among household members.

Housing Loan Options and Requirements Explained

Housing provident fund loans allow for special loan applications after repayment, and same-day repayment is possible for Housing Urban Fund lease loans.

Spouses using a housing loan for a different property are not eligible for a loan, regardless of their marital status.

Duplicate loans for parents listed in the new life standard family relationship certificate for the same newborn are limited to one.

Refinancing loans are possible within three months from the date of transfer of ownership registration, and the income requirement is based on whether marriage is reported or not, with a limit of 130 million won per year for combined income.

Requirements for Newborn Special Purchase Fund Loan in 2024

- Combined income of both parents is considered for the loan application and must meet the standard.

- The couple's combined assets should be less than 469 million Korean won, and the residential area should be under 85 square meters in a rural area.

- The loan amount is capped at 500 million won, with a maximum LTV of 80%, a DTI within 60%, and a special interest rate ranging from 1.

3% for 5-15 years, which then changes based on annual income.

Benefits and Requirements for Housing Loans

Additional benefits for housing loans can be obtained for existing children, a housing savings account, and newly developed homes.

There is a minimal change in the interest rate benefit conditions during the loan period.

The borrower is obligated to move into the property within one month of the loan date and reside there for more than a year, with some exceptions allowed.

For the New Life Special Loan, maintaining adoption status for more than a year is a requirement, aimed at preventing illegal benefits through adoption.

It is essential to apply for the loan before transferring ownership registration to be eligible.

The New Growth Special Loan: Application Guidelines

Loans must be applied for within 3 months of registration, while refinancing loans have no specific application restrictions.

Designated banks for the New Growth Special Loan include Woori Bank, Shinhan Bank, KB Kookmin Bank, NH Nonghyup Bank, and Hana Bank, offering both in-person and online application options.

The New Growth Special Loan is now accepting applications starting from January 29th, providing viewers with the opportunity to benefit from the program.