The Special Childbirth Loan refers to a financial product that supports childbirth households by providing funds for home purchase and lease at a very low interest rate of 1-2% to overcome low birth rates. This special childbirth loan has three main features. During the loan execution period, it can be used at a very low interest rate compared to commercial bank loan rates, ranging from 1% to a maximum of 3% at a low fixed rate. Being able to use this loan at such low interest rates is a significant advantage. In terms of purchase funds, it forms at 1.6% to 3.3% for 5 years, and additional preferential interest benefits can be applied. If additional childbirth occurs, the interest benefit per child per 5 years increases significantly. For lease funds, the special childbirth loan is applied for 4 years at a rate of 1.1% to 3%, and if additional childbirth occurs, the extension is added per child for 4 years.

This is a product. Hello, nice to meet you. This is Full Pack. Today, in the high-output corner of PL, let's take a look at the topic of special loans for newlyweds. Yesterday, on April 4th, the government led by Yoon Seong-yeol, in the direction of follow-up measures after the economic sector's livelihood debate, raised the income criteria for special loans for newlyweds. Originally, the income criteria were a combined annual income of up to 130 million KRW for married couples. This amount has been raised to 200 million KRW. Additionally, for newlyweds, the support fund loan has been increased from 75 million KRW to 100 million KRW, only for married couples. The reason for the increase in income criteria for newlyweds in the livelihood debate is what? Currently, in the case of special loans for newlyweds, over 4.5 trillion KRW has been implemented until February. Of course, until around February, refinancing loans were more in demand than purchase funds or lease funds.

Many borrowers who felt burdened by high interest rates have been seeking low-interest rates, leading to a high demand for refinancing. Since March, this trend has increased not only in terms of purchase funds but also for lease deposit loan demand. Today, I will provide you with detailed information on everything about the new housing loan and even share some useful tips with you. Let me start by introducing the special new housing loan. The special new housing loan refers to a policy financial product that supports housing purchase funds and lease deposit funds for childbirth households at a very low interest rate of 1-2% to overcome low birth rates. This special new housing loan has three main features. During the loan execution period, it can be used at a significantly lower interest rate compared to commercial bank loan rates, ranging from 1% to a maximum of 3% fixed rate. The fact that we can use this loan at such low interest rates is a significant advantage.

It's because in the case of bank funding products, even if the interest rate on home mortgage loans is cheap, it ranges from the mid-3% to the 4% range. Also, for lease deposit loans, the interest rate is forming in the 3-4% range. However, for products like the newlyweds' purchase fund loan and lease deposit loan, a low interest rate ranging from 1% to 3% is formed, so there are significant merits. Of course, among the low fixed interest rates ranging from 1% to 3%, the lease loan interest rate can vary. This product supports the refinancing of existing home mortgage loans for households with high-interest loans to alleviate housing costs. During the period of offering preferential interest rate reductions and special benefits, there are conditions that can be extended. Furthermore, if you have additional children, the interest rate benefits will be further enhanced. Let's look into it more specifically. Now, let's take a closer look at the support details for the newlyweds' purchase fund loan, which are mainly divided into newlyweds' special milestone loans and newlyweds' special support loans.

Loans are divided. This new home loan can be seen as an extension of the existing home loan as a purchase fund loan. In the case of a special support loan, it was a lease fund loan, so let's take a look at what additional benefits there are as an extension of the lease fund loan. Let's take a look at the target of the new home special loan. Both purchase fund loans and lease fund loans target households without a house that gave birth to a child or adopted a child after January 1, 2023, based on the loan application date, within 2 years, that is, until 2023 and 2024. However, in the case of using existing home mortgage loans for the purpose of purchasing funds, the borrower can also use it for refinancing as a homeowner. In summary, in 2024, it will support not only households that gave birth to children after January 1, 2023, but also adoptive families. Now, let's take a look at the target homes and loan limits. For purchase funds, for homes priced at up to 900 million won.

We will provide loans up to 500 million won for the housing provident fund loan. The housing provident fund loan supports loans up to 300 million won for houses with deposits of up to 500 million won. For houses with a floor area of 85 square meters or less in urban areas excluding the metropolitan area, benefits are provided for houses with a floor area of 100 square meters or less in rural areas. In the case of refinancing existing loans, the lower amount between the remaining balance of the existing loan and the loan limit of the new special loan can be used for refinancing. During the special period, how is the special interest rate determined? For purchase funds, it is set at 1.6% for 5 years and 3.3%, and additional preferential interest rate benefits can be included. If you have an additional child, the interest rate per child increases every 5 years. For the housing provident fund, a special interest rate is applied for 4 years at 1.1% and 3%, and if you have an additional child, the interest rate increases for each child.

It is a product that can be extended for up to 4 years. So, what happens to the applied interest rate after the special rate ends? For funds, it varies depending on the annual income. For those with an annual income of less than 85 million won, an additional 0.55% is applied to the existing special rate. Of course, the interest rate can vary depending on the level of interest rates for loans for newlyweds. For borrowers with an annual income exceeding 85 million won, the lowest level of interest rates for housing mortgage loans from commercial banks is applied. This means that even after the special rate ends, it is possible to use it more affordably than the existing housing mortgage loan rates. For rental deposit loans, if the annual income is less than 75 million won, it can be considered as increasing by 0.4 points from the existing special rate. The interest rate for loans for newlyweds can vary, and if the annual income exceeds 75 million won, the interest rate for housing rental loans from commercial banks is applied.

It is expected to be applied at the lowest level of interest rates. However, in the livelihood measures announced on April 4th, the income level for newlyweds has been raised from 75 million won to 100 million won. Therefore, there might be adjustments in this interest rate section as well. Let's take a closer look at the preferential interest rate system in the new home special loan support program. Depending on the subscription savings period and the use of real estate electronic contracts, preferential interest rates will be applied more for additional births. Below, there are items where the purchase fund preferential interest rate system can be applied in duplicate. Please note that the rental fund preferential interest rate system can be applied in duplicate as well. So, in this way, in the new home special loan, it was mentioned that the preferential interest rate system is applied in duplicate. Then, will it continue to decrease until it reaches 0%? No, that's not the case. For items like the purchase fund, they can benefit from the preferential interest rate system being applied in duplicate.

Even if it is applied redundantly in this case, the minimum interest rate for loans is 1.2%, and the minimum loan rate for housing funds is 1%. Therefore, even if the duplicate preferential interest rate is applied, it will not fall below 1.2% or 1%. So, summarize that. Now, what about the special loan period for self-reconstruction special loans? For purchase fund loans, the basic period is five years, during which special rates and benefits are provided. If additional childbirth occurs, the special period is extended by five years, and when extended to the maximum, you can maintain the benefits of the special period for up to 15 years. For housing fund loans, the basic special period is four years, and if there is additional childbirth, an extension of four years is possible, allowing for a maximum special period of 12 years. Let's take a closer look at the additional childbirth interest benefits for self-reconstruction special loans. Based on the loan application date, within two years after childbirth.

The special period for children has been extended, and an additional 0.2% interest rate reduction benefit has been added. However, for children born within 2 years from the loan application date, a 0.1% interest rate will be provided. Let's take an example. If you gave birth to a child in February 2023 and applied for a home purchase loan in March 2024, and then have another child in January 2025, let's see how the interest rate benefits are applied in this case. Here, since there is one child born within 2 years of the loan application date, there are no additional benefits. However, if you have another child in January 2025, you can apply for a change in conditions. In other words, the preferential interest rate of 0.2% reduction will be applied, along with an extension of the special period by 5 years. So, let's look at newborn clinics. The first newborn special loan is supported for the purpose of purchasing a home.

Furthermore, it is supported for tenant funds. Not only for non-homeowners, but also for existing homeowners who are converting existing home mortgage loans, it was mentioned that even first-time homeowners can use it. At that time, when the funds borrowed by the first-time homeowner for the purpose of purchasing a home are confirmed by the bank, the documents for confirmation are financial transaction confirmation and a certificate of registration. Based on these documents, after confirming that the existing loan amount was borrowed for the purpose of purchasing a home, it can be used for refinancing purposes. Now, let's look at the precautions for the second new housing special loan. Only one loan can be taken out for the same newborn, and after the loan is executed, it is continuously managed to check if duplicate loans are executed under the newborn's resident registration number. In other words, if a loan is taken out in the mother's name once, it is not possible to have a duplicate loan in the father's name. The third case is when an unmarried couple uses a special loan for new housing like the new housing special loan.

In this case, it is not necessary to register a marriage because of support for childbirth households. Therefore, in fact, it can be used for marriage households as well. By cross-checking the proof of family relationship of the loan applicant and the birth family, support will be provided. When the proof of family relationship of the loan applicant and that of our birth child are confirmed, and the actual parents' income, net assets requirements, and whether they own a house are verified, the loan will be supported. In the case of adopting a fourth child, you can also utilize the special loan for newborns. When using a loan for an adopted child, the adoption relationship certificate and family relationship certificate are used to confirm the adoption status and family relationship. Therefore, after the loan is executed, it is verified whether the adoption relationship certificate and family relationship certificate are still maintained, checking if the adopted child's adoption status is still maintained, to continue the loan. Now, let's proceed with the special purchase loan.

Let's take a closer look at the Jeonse loan. The blue part in front is called the Didimdol loan, and the blue part behind it is called the Buttumok Jeonse loan. Regarding the purchase fund loan, the conditions for this Didimdol loan, as you can see in the front, are an extension of this Didimdol loan, which is a special purchase fund loan. Let's organize the details of this special purchase fund loan. For households with an annual income of up to 130 million won, the maximum amount has been increased to 200 million won for couples. The conditions of the existing purchase fund loan and the part related to the first in a lifetime need to be checked according to the bank regulations. However, the government announced on April 4th at a people's livelihood meeting that for newlyweds, the standard for the combined income of the couple for this 130 billion won will be increased to 200 million won. Therefore, newlywed couples are able to...

So, if you organize it like that, the asset requirements apply not only to newlyweds but also to all borrowers for their lifetime, up to 469 million. Similarly, for the special inner-city purchase loan, the loan limit is also up to 469 million to meet the asset requirements. The target house loan limit used to be up to 600 million, but for special and inner-city loans, the house price limit has been raised to 900 million. The loan limit for Ddiddol loans used to be restricted to 400 million, but for special inner-city loans, the loan limit is supported up to 500 million. Interest rates are divided by income. Up to 85 million won in income, the rate ranges from 1.8% to 3%. If the income is from 85 million to 130 million won, those who are not newlyweds cannot use it. Income-based interest rates, then, from 2.7% to 3.3%, you can use an additional amount. So, what happens then?

The interest rate for loans applies as follows: Borrowers with an income of less than 85 million KRW are subject to an interest rate of 1.6% to 2.7%. For those with an income of 85 million KRW or more, the interest rate ranges from 2.7% to 3.3%, with preferential rates applied on top of this. Let's take a look at the special home equity loan. This is an expanded version of the existing support home equity loan, called the New Special Home Equity Loan. Similarly, for newlyweds, instead of 130 million KRW, they can now utilize this new special loan up to a combined annual income of 200 million KRW. The asset requirements for a home equity loan include assets up to 345 million KRW. Regarding the security deposit, in the Seoul metropolitan area, support is provided for loans up to 300 million KRW for deposits of up to 500 million KRW, and in local areas with deposits of up to 400 million KRW or less, loans of up to 300 million KRW are supported. The interest rate for special loans is 1.1% for amounts up to 75 million KRW, and 2.3% for amounts up to 75 million KRW.

For amounts over 1 million won, there is a 2.3% to 3% interest rate. In the case of newlyweds, this rate could increase further. This is because the income requirements for newlyweds regarding existing household loans will be raised from 75 million won to 100 million won. Therefore, it is expected that the interest rate criteria will also be adjusted to 100 million won. Once the specific bank regulations are announced, please verify this information. Now, let's summarize the detailed support conditions for home purchase loans. As of the loan application date, within 2 years, the applicant must be a non-homeowner and have given birth. As mentioned earlier, being a homeowner disqualifies you. If the purpose is for purchasing a home, even single homeowners can utilize this special loan for revitalizing the newlyweds, concerning existing home mortgage loans. For newlyweds as a couple, if the combined annual income is less than 200 million won and net assets are less than 4.69 billion won, they can utilize this special loan for revitalizing the newlyweds. The target home price is 900 million won.

It was mentioned that for target houses under 100m² with a dedicated area of 85m² or less, you can use a special loan for newlyweds for houses under 900 million won. The loan limit is up to 500 million won. Normally, the loan-to-value ratio is 70%, but in the case of the first purchase, it can be up to 80%. However, the maximum loan limit is up to 500 million won. It was mentioned that those with no income are not eligible. For the down payment loan, you need to pass the DTI of 60%. You can choose the maturity period between 10, 15, 20, or 30 years. The period of only paying interest is called the grace period. You can choose to have a one-year grace period or not. As mentioned before, when choosing a repayment method, you can choose between equal principal and interest repayment, equal principal repayment, or annuity repayment. However, annuity repayment is limited to those under 40 years old with earned income. For example, for a newlywed couple with one child, if the combined annual income is 37 million won...

Let's assume this scenario: if a household uses a 2% interest rate for a 30-year principal and interest repayment to utilize the funds for purchasing a newly-built house, when we run the real estate calculator, we can calculate the maximum loan limit converging within a 60% DTI. When calculated this way, a loan of up to 500 million KRW is possible. Isn't that amazing? Why doesn't the combined annual income of a couple reach 40 million KRW? However, when utilizing the new house special exemption, up to a maximum of 500 million KRW can be obtained. As we discussed earlier, depending on the annual income, in the case of bank-funded loans, the loan limit may decrease due to the Debt Service Ratio (DSR), or it may increase with a higher income. In other words, if the annual income is low, the loan limit decreases. For example, with an annual income of around 37 million KRW, you can actually receive a loan of about 200 million KRW. However, in the case of utilizing funds for the purchase of a new house through the new house special exemption, a loan of up to 500 million KRW is possible.

It is scary. In other words, it is effective to look at the DTI 60% for policy funds loans, yes. And as I mentioned earlier, for existing home collateral loans for the purpose of purchasing a house, if we confirm through financial confirmation documents and real estate registration documents, we will proceed with refinancing based on those documents. In other words, we have also enabled the use for refinancing purposes to provide benefits to borrowers who feel burdened by high interest rates with low interest rates. These are detailed support conditions. Regarding special interest rates, for home purchase loans, a special interest rate is applied for 5 years, and then the interest rate changes. The rest can be seen at once. Since I have organized everything before, for home purchase loans, the interest rate applied varies depending on the total annual income of the couple and the loan maturity. For example, for borrowers with a total annual income of less than 20 million won, if they choose a 10-year term, they can apply for our new special Ddimdol loan.

If you say you will use it, you will receive an annual interest rate of 1.6%, and if there is an additional preferential interest rate, it will be applied. If you, as a borrower, with an annual income exceeding 100 million won, choose to leave it for 30 years, you will get an annual 3.3% ES. Here, additional preferential interest rates are applied, so there are adjustments. Do you understand? In other words, depending on the income level and the term, an interest rate formation of 1.6% to 3.3% occurs. Consider this as a new homebuyer loan. Even if the amount exceeds 100 million won, this interest rate is much lower than the housing mortgage loan rates available in the market. There is definitely a merit in terms of interest rates. Now, let's organize a bit more about the new homebuyer's rental loan. Who are the eligible applicants? As of the loan application date, it is for non-homeowners who have given birth within 2 years, with a total annual income of less than 130 million won when combined with their spouse. For newlyweds, the limit was increased to 200 million won. Net assets are 300 million.

If it is below 45 million won, you can apply, and it was said that newborns or adopted children born in 23 or 24 can apply within 2 years from the loan application date. It was said that it can be used by a homeowner without a house. The rest has the same content, so please read it. In the case of Matdongsan, you can download all the information at the bottom of YouTube. You can continue studying through this and refer to it to receive the main points. Thank you.

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