부터목전세 대출에 대한 이해: 특징 및 고려사항

### 부터목전세 대출에 대한 이해: 상품, 자격, 담보 및 팁
* 💸 버팀목전세자금 대출은 **보증인이 필요**하며, 보증인은 **한국주택금융공사 또는 주택도시보증공사**가 될 수 있습니다. 대출을 위해 이 두 회사에서 **보증서 발급**합니다.
* 📝 주요 상품은 **기본지원형 버팀목 전세대출, 신혼부부 전세대출, 중소기업 청년 전세대출** 등 세 가지입니다.
* 🏠 기본지원형 전세대출의 경우 자산평가를 통해 자격을 심사하며, **부부합산 소득이 5천만 원으로 제한**됩니다.
* 🔒 대출은 보증서를 담보로 하며, 은행에서는 **한국주택금융공사의 보증**을 선호합니다. 대출 금액은 일반적으로 **소득의 3.5배** 정도입니다.
* 🏦 은행 상품으로 대환이 가능하며, **소득과 대출 금액이 낮을수록 버팀목전세자금 대출의 금리가 낮아집니다.**
* 📅 **3개월 이상 거주한 후에는 재융자가 어렵기 때문에** 주택을 취득하지 않는 것이 좋습니다.
* 💰 버팀목전세자금 대출의 연 금리는 **연소득 2천만 원 이하, 대출 보증금 5천만 원 이하**인 경우 **연 2.1%**입니다.
* 📄 버팀목 전세대출을 신청하려면 **자산 평가, 소득 기준, 집주인 계좌 입금 증빙**이 필요합니다.

부턱옥 전세대출은 보증인이 필요하며 일반 은행 전세대출과는 다른 특징이 있습니다.

Hello, nice to meet you. I'm Leo. Today, I would like to explain a bit about the Buteomok Jeonse loan. Some explanation about the characteristics of the Jeonse loan seems necessary. Many people think that Jeonse loans are directly provided by banks, but in the case of Buteomok Jeonse loans, some may think they are directly provided by funds. In the case of bank Jeonse loans, since there is no collateral, someone needs to provide a guarantee. In other words, the guarantee serves as collateral. Therefore, someone needs to provide a guarantee for the loan to be possible. This is the most comfortable way of thinking. Buteomok Jeonse loans are no exception. Someone needs to provide a guarantee. The guarantor can be the Korea Housing Finance Corporation or the Housing Urban Guarantee Corporation. In regular bank Jeonse loans, Seoul Guarantee also issues guarantees, and Buteomok Jeonse loans also require a guarantee.

In the case of loans, certificates are issued by these two companies. Now, I will explain one by one. First, I will talk about the three main products. First of all, there is the basic support pillar lease loan. Next, the newlyweds' lease loan, which many people are curious about, and the small and medium-sized enterprises and youth lease loan provided by the Small and Medium Business Administration. There are many types of support pillar lease loans, and I will explain these three characteristics. If you want to apply for a support pillar lease loan initially, you need to have a solid foundation and first undergo an asset assessment. Just like the foundation loan, there are restrictions for those with too many assets, so you need to assess your assets first. Then, you need to go to the bank for a loan consultation. In the case of having a solid foundation, it is quite important.

I'm busy, so it takes a bit longer. Therefore, if you are planning to take out a jeonse loan, it would be better to submit your asset assessment quickly. First, let's take a look at the jeonse loan for a moment. In the case of a jeonse loan, the loan conditions naturally require adult non-homeowners. Sometimes there are inquiries from minors like, I'm 18 now, can I get a loan? Loans are not available for minors. Therefore, you must be an adult without exception. Especially for government loans, they look closely at the head of the household requirements, so it must be the head of the household. And the combined income of a couple is only 50 million won, which is quite low. For example, in cases like dual-income households, some say that the combined income of two people is too low. However, since government loans are policy loans, there is a limit for those who must receive benefits, so the income is measured a bit lower.

It is set, and now, in the case of lease deposits, the income is a bit higher now, and the target housing is also restricted. Only houses below 805 jeon are eligible, and if the deposit is too high, it is not allowed. Therefore, in the case of deposits, in Seoul and the metropolitan area, up to 300 million won, and in cases above this, up to 400 million won in the metropolitan area, the deposit can be increased. When talking with real estate agents, I often mention that due to the very favorable conditions of the lease deposit loan, it is better to show many houses that meet the conditions of the lease deposit loan. I say this a lot because nowadays it is a bit difficult to find a lease, as the real estate market is not doing well. In order for the contract to be successful, it is necessary to show houses that meet the criteria, so it is inevitable.

Persuading the landlord that it's better to rent it out quickly is actually good. From the owner's perspective, having the house vacant is very burdensome. Therefore, if you explain to the landlord at the level of 300 million won or 400 million won, tailored to that level, that leaving quickly is better, it would be easier to rent out. Also, in terms of loans, in general, for bank products, the maximum loan-to-value ratio for a lease loan is 80% of the deposit amount. However, for a self-supporting lease, it is restricted to 70%, and the maximum limit is only up to 120 million won. So, for those who are short of funds, it would be good to either go to a bank or, for newlyweds or families with children, as the limit is a bit higher in those cases. It would be good to check in that way.

If it's not for buying a house or taking an exam, it can only go up to 70%, maximum 1.2 billion won. In the past, many people actually entered the jeonse system with cash. If you were a little short on money, you could borrow tens of millions of won. But now, it seems like the concept of taking out a loan for jeonse has increased a lot. So, you have to get at least 80% now. The reason for this is that even though the interest rates are high now, just two years ago, the interest rate for jeonse loans was in the 2% range. That's why many people found it much cheaper to rent monthly than to buy, so a lot of people used it. So, now that the interest rates are high, it's better to determine the loan amount according to your scale. So, first of all, it's important to continue with the basics of the jeonse loan, and next time, we'll look into the newlyweds' jeonse loan. It's the same for adults without a house.

The combined income of the head of the household and spouse has now increased to 75 million won, and the total area remains the same. In the metropolitan area, a security deposit of up to 400 million won is possible, and now the maximum security deposit for jeonse is within 80%. Initially, the limit was a bit higher than the basic guarantee, but since the loan limit in the metropolitan area is up to 300 million won, you should proceed according to your own budget. Additionally, there is a product called Small and Medium-sized Enterprise Youth Rental Loan. For this product, if you can use it, it is much cheaper than renting monthly, so it would be good to obtain a jeonse near your workplace. However, only households with no property under the age of 34 can be eligible. Since it is a loan for small and medium-sized enterprises and youth, it applies to younger individuals. In the case of a couple, it applies if the annual income is less than 50 million won. It applies to employees of small and medium-sized enterprises or young entrepreneurs who meet the qualifications.

For houses that cost less than 200 million won, loans are available when entering into a jeonse contract now. The loan amount can be up to 100% of the jeonse deposit, and now, with a jeonse fund guarantee of up to 80%, a maximum loan of 100 million won is possible. However, it is necessary to verify the exact details since the guarantee document stating that a 100% loan is provided for the deposit may require further confirmation. Depending on the income, the loan limit may vary according to this guarantee document. Therefore, it is best for you to bring accurate income information and your contract to the bank for consultation. I have explained the basic concepts regarding these three points, and if we look at each one in detail, you need to sign a housing lease contract first. It's actually not easy to find out before signing the contract. You can only qualify if you have paid at least 5% of the lease deposit after signing the contract.

The head of the household must be a homeowner, and all the residents listed on the family register must naturally be homeless. In addition, duplicate loans are prohibited, which many people find quite challenging. If I explain a bit about this part, currently, those who are using the Housing Urban Fund loan or those who are using a deposit loan from a bank cannot apply for a jeonse loan. Therefore, in such cases, it is quite cumbersome and difficult because they have to repay the existing loan first before being evaluated. Many people think it is burdensome. So, for those who are applying for a new jeonse loan for the first time, there shouldn't be much difficulty. However, for those who are currently using a deposit loan from a bank, when applying for a jeonse at a new place after the current lease ends, you should do it like this: when applying for a jeonse at a new place after the current lease ends, you should do it like this: when applying for a jeonse at a new place after the current lease ends, you should do it like this: when applying for a jeonse at a new place after the current lease ends, you should do it like this: when applying for a jeonse at a new place after the current lease ends, you should do it like this: when applying for a jeonse at a new place after the current lease ends, you should do it like this: when applying for

Yes, it is possible. When the maturity date comes, instead of directly converting it to a full lease, you can extend it as a bank product. After the maturity date, you should extend it with a bank product. After the extension, you can still use the previous lease loan for up to three months. So, it's better to extend it first, and then, when you are ready, you can convert it to a full lease. By doing this, you can use it at a much lower interest rate. In the case of using an existing fund loan like the current full lease you have, many people repay it and then move. In these cases, the bank can help you change the property or find various ways, so it's better not to change banks. If you are currently using a full lease and are planning to move, you can change the property when moving. It means changing the purpose of the property. It's a good idea to discuss whether you can continue to use the product at that bank and branch. If you are currently using our bank but want to switch to Kookmin Bank, it is possible to change the purpose of the property.

Because there is no change, it is most advantageous to continue using the same bank and utilize the mortgage loan as a support. Also, it's undeniable that we need to talk about credit now. Naturally, you need to have good credit. If there are delays, most banks will not grant loans. So, having delays is not acceptable. Occasionally, some people may say that even if you have gone through bankruptcy and recovered, you can get a loan anytime. However, there are cases where records of the recovery process for loans still remain at the bank. If the debt has not been fully repaid, loans are not available at that bank. Therefore, you may need to exclude such banks and apply elsewhere. It would be advisable to take enough time to prepare. Now, I will explain a bit about acquiring collateral, which may sound quite complex.

What is collateral acquisition? As I mentioned at the beginning to the bank, in the case of a lease loan, if there is no collateral, it is a bit difficult for the bank to lend money. Therefore, loans are secured by guarantees. There are guarantees from the Korea Housing Finance Corporation and guarantees from the Second Housing Urban Guarantee Corporation. However, these two guarantees have very different characteristics. Therefore, depending on which guarantee is used, the limit may vary. Also, the process and income requirements may vary slightly. When you go to the bank for a consultation, they highly prefer the Korea Housing Finance Corporation guarantee. This is because only people with income can use the Korea Housing Finance Corporation guarantee. Generally, you can consider about 3.5 times your income as the size of your lease loan. But if I have no income at all, am I unable to be a guarantor for a lease?

No, for those with no income, it is possible to proceed like the product where we are now considered safe existing by the bank when applying for the guarantee from the Korea Housing Finance Corporation. However, from the perspective of bank employees, it is natural that those with income have a lower default rate. Also, it is more convenient because in the case of using a guarantee from the Korea Housing Finance Corporation, it requires the consent of the landlord since it goes out based on the individual's income. The landlord doesn't have much to do, but when using a guarantee from the Korea Housing Finance Corporation, the landlord's consent is essential. Therefore, you have to send a notice of assignment to the landlord, and there are parts that need their consent. So, it's a bit cumbersome. When you go to the bank for consultation, most of them would say something like, If you have no income, you can't get a loan. You've probably heard a lot of these comments, but it's not necessarily true.

It's not possible, but at that point, if we say we can't help people without income, there's no way. Therefore, in such cases, you can go to a different bank branch to get advice and apply for a loan with a certificate from the Korea Housing Finance Corporation. So, just because one bank doesn't work, it doesn't mean all banks won't work. However, it is true that banks prefer people with income. One thing to be aware of is that when handling loans like mortgages or jeonse, it is natural that non-homeowners need to repay the loan when acquiring a house. But this part can be quite difficult because if you get caught up in it, you have to repay it.

There are cases where people do not have the money to repay. It's okay to buy a house and move in, but there are situations where people buy a house and cannot move in, such as buying it with a lump sum or not being able to enter. In such cases, some people inquire if it is possible to refinance with a bank product. However, there is a specific timing for refinancing with bank products. For lease loans, it becomes very difficult to refinance after more than 3 months of occupancy. So, it is recommended not to acquire a house. If you acquire it, it's better not to, as it can be very difficult if you don't have the money to repay. Therefore, you need to pay attention to these aspects. Also, when it comes to the money you need to move in, these are basic costs that are typically included when taking out a loan, such as acquisition tax. I have been mentioning that a certificate will be issued, but this certificate is issued.

When you do this, the customer has to bear the guarantee fee. So, it is necessary to confirm the calculation of this guarantee fee in advance, so that you can inquire about how much it costs. Only after making the payment, the loan can be executed. Therefore, it is good to confirm the guarantee fee part and of course, the loan amount will be paid to the landlord's account. When we move in on a lease, we have to pay the remaining balance to the landlord on the balance due date. You should think that the money will be transferred to the landlord's account. There are cases where some people are in a hurry and pay the money to the landlord first. In such cases, even if you have already paid all the money to the landlord, if it is not deposited into the landlord's account, you should confirm by showing proof of payment that you have paid all the money to the landlord.

In the case of a tenant, the landlord deposits money into the tenant's account. There isn't much difficulty in cases like a security deposit for a lease, but you need to be careful. If you have too many assets, it may not be good, so you must undergo an asset evaluation in advance. Also, you must apply according to income standards. There are cases where it's not good if your income is too high, so you need to check whether you qualify based on your income. I mentioned that you shouldn't acquire a house, so pay attention to this point. When extending, you just need to extend at the respective branch. If you happen to move, you need to apply for a change in the purpose of use. If you are currently using bank products at a high interest rate, refinancing is possible. By discussing the refinancing method with a bank employee at the branch, you may be able to get a much better interest rate. The biggest advantage of a security deposit loan is, of course,

Of course, there are interest rates. We are providing difficult explanations because of the interest rates. Therefore, the lower the annual income and the lower the loan amount, the lower the interest rate. So, if the annual income is less than 20 million won and the loan guarantee is less than 50 million won, it can be done at an annual rate of 2.1%. Also, if the lease guarantee exceeds 100 million won and the income is between 60 to 75 million won, it can be done at an annual rate of 2.9%. Currently, the interest rate for housing loans at commercial banks is in the 2% range, so it is considered a very low interest rate. Even among the New Deal special measures, housing loans are possible, so in some cases, there are slightly lower interest rates. If a child is born after 2023 and you use the New Deal special measures for a lease as a head of household, you may be able to use a lease loan at a much lower interest rate. So, if you are eligible,

It is advisable to utilize the support pillar lease unconditionally. If there are parts you do not understand well, it is better to have a solid fund asset review now. Explanations are mostly done at the bank, so it would be good to take the documents and go to the bank for another confirmation. Therefore, I have explained about the support pillar lease loan, and for those who are eligible, it would be good to use it comfortably with a low interest rate for the support pillar lease. Thank you.

버팀목전세대출 총정리했습니다.

안녕하세요 . 레오입니다.  

부동산 대출 부분 재테크강사, 부동산 인플루언서로 활동중입니다. 
부동산 재테크관련 대출강의와 대출에 대한 코칭, 서칭, 매칭업무를 하고 있습니다.

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레오대출연구소

버팀목 전세대출은 한국주택금융공사 또는 주택도시보증공사에서 제공하는 보증이 필요합니다.

크게 3가지 상품이 있는데, 기초지원 버팀목 전세대출, 신혼부부 전세대출, 중소기업 및 청년 전세대출이 있습니다.

이러한 대출은 자산, 연령, 소득에 따라 제한이 있으며, 도움이 필요한 사람들에게 혜택을 제공하는 데 중점을 두고 있습니다.

또한 대출 대상 주택과 보증금에 제한을 두어 임대보증금 대출에 유리한 조건을 제공하는 것을 목표로 하고 있습니다.

집주인을 설득해 빨리 임대차 계약을 체결하면 공실로 인한 부담을 덜 수 있습니다.

전세대출의 경우 은행 상품의 경우 최대 대출 한도가 보증금의 80%이지만, 자활 임대인의 경우 70%로 제한되며 최대 한도는 1억 2천만 원입니다.

특히 금리가 상승하면서 전세대출을 받는 개념이 보편화되었기 때문에 자신의 규모에 맞게 대출 금액을 결정하는 것이 중요합니다.

대한민국 제세 주택 대출 및 계약

2억 원 이하의 주택에 대해 전세보증금의 최대 100%까지 대출이 가능하며, 최대 80%의 전세자금보증이 지원됩니다.

대출 금액은 소득에 따라 달라질 수 있으므로 정확한 정보를 바탕으로 은행에서 상담을 받아야 합니다.

현재 보증금 대출 또는 주택도시기금 대출을 이용 중인 경우 중복 대출이 금지되므로 전세대출 신청이 어려울 수 있습니다.

은행 상품으로 전세대출을 연장하고 은행과 전월세 변경 가능성을 협의하면 금리를 낮출 수 있고 이사 시에도 도움을 받을 수 있습니다.

모기지 대출 자격을 얻으려면 좋은 신용을 유지하고 대출이 지연되지 않도록 하는 것이 중요합니다.

한국주택금융공사의 보증 등 보증 유형에 따라 대출 한도 및 요건에 영향을 미칠 수 있습니다.

소득이 없다고 해서 반드시 보증인 자격이 박탈되는 것은 아니지만, 집주인의 동의가 필요할 수 있습니다.

일반적인 생각과 달리 소득이 없어도 대출을 받을 수 있지만 더 복잡한 절차와 요건이 필요할 수 있습니다.

주택 대출 및 재융자 탐색을 위한 팁

한 은행에서 대출을 받는 데 어려움이 있다면 다른 지점에서 조언을 구하고 신청하는 것도 고려해 보세요.

특히 무주택자의 경우 주택 구입을 위한 대출 상환이 어려울 수 있으므로 주택 구입 시 신중을 기하는 것이 중요합니다.

은행 상품을 통한 재융자에는 특정 시기가 정해져 있으며, 일반적으로 상환에 대해 확신이 서지 않는다면 주택 취득을 피하는 것이 좋습니다.

대출을 실행하기 전에 보증 수수료 계산을 미리 확인하는 것이 중요합니다.

임대차 계약 시 집주인의 계좌로 보증금이 이체되는지 확인하고, 적절한 확인 없이 집주인에게 직접 지불하는 것은 피하세요.

임대인은 세입자의 계좌로 돈을 입금하지만, 자산 평가를 받고 소득 기준에 따라 신청하는 것이 중요합니다.

특히 연소득과 대출 금액이 낮은 경우 더 낮은 금리로 재융자가 가능합니다.

주택 대출에 대한 뉴딜 특별 대책도 더 낮은 금리를 제공할 수 있으므로 자격이 된다면 이 지원을 활용하는 것이 좋습니다.