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.

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