새로운 주택 특별 상품: 부동산 시장에 미치는 영향

신생아를 위한 새로운 주택 특별 상품은 2023년 1월 1일 이후 출생한 자녀를 둔 자격을 갖춘 비주택 소유자에게 유리한 대출 옵션을 제공합니다.

### 신생아 특별 주택 대출 개요 및 부동산 시장에 미치는 영향
* 🏡 한국 정부는 신생아를 위한 특별 주택 대출 상품을 도입하여 **자격을 갖춘 부모가 주택 구입 시 유리한 대출**을 받을 수 있도록 했습니다.
* 👶 신혼부부 특별 주택자금 대출을 이용하려면 **연소득 1억 3천만 원 이하, 순자산 4억 6천 9백만 원 이하**인 무주택자이어야 합니다. 대상 주택 가격은 **전용면적 85㎡ 이하, 9억 원**으로 정해져 있습니다.
* 🔒 주택담보인정비율(LTV)과 소득 대비 부채비율(DTI)을 모두 고려하는 일반 대출과 달리, **신혼부부 특별 주택담보대출은 DTI 비율만 살펴보고 60%를 넘지 않아야 합니다.**
* 📈 신생아 특별 주택자금 대출의 가장 큰 장점 중 하나는 **소득과 만기에 따라 1.6%에서 3.3%까지 시중 금리보다 훨씬 낮은 저금리**를 적용한다는 점입니다.
* 📅 이자율은 **5년 동안 고정**되며, **5년 이내에 다른 자녀를 낳으면 10년까지 연장**할 수 있습니다.
* 🏠 저출산으로 인해 신혼부부 특별 주택대출이 부동산 시장에 미치는 즉각적인 영향은 제한적일 것으로 예상되지만, **교외-신도시 등 신혼부부가 많이 거주하는 지역의 주택가격에 영향**을 미칠 수 있습니다.
* 👀 "섣불리 판단하기는 어렵지만 영향이 전혀 없다고는 생각하지 않습니다. 예를 들어 강남이나 이런 지역은 사실 **신혼부부가 들어가기에는 너무 비싸기** 때문에 영향이 없을 수도 있고, 조건을 충족하는 사람이 없을 수도 있지만 **교외나 신도시에는 신혼부부가 많이 사는 곳**도 있다"고 말했다.
* 📉 역사적으로 낮은 한국의 출산율을 고려할 때, 장기적인 인구 감소는 **신생아 특별 주택 대출보다 부동산 시장에 더 큰 영향**을 미칠 수 있습니다.

Hello, we're back with the Finance Housewives team this week. We believe you've been waiting for our team and we've prepared some exciting news. Yes, I believe many of you have been eagerly waiting for real estate news from our team, so today we have prepared real estate news. Please look forward to next week as well. What news have you prepared? These days, it's really hard to see babies due to the low birth rate, isn't it? Right, that's true. Even though I have some friends who are married, there are not many friends who have children yet. These days, there are many people who choose not to have children, and it has become so difficult to see babies that the total fertility rate has really decreased. To address this, the government has introduced some loan products. Oh, it seems to be related to real estate. I have a slight idea, but could you introduce what kind of product it is? Today, we will introduce a special new housing loan product.

I have prepared to briefly touch on what special products are in the new year, what we need to be careful of, and an overall overview of the market situation. However, in fact, those who are interested in special products are likely to watch our broadcast. If you think it might have some impact on us, or if it is relevant, you may recall that last year when housing prices dropped significantly, there was a special product called special protection for homebuyers. In fact, this loan product played a significant role in the successful rebound, and special products are actually good products. Therefore, I would like to introduce them a bit. It is highly beneficial for those who are eligible to receive them because government products are very good. Please check if you are eligible for this product and make sure to apply. And for those who are not eligible for the special new year product,

Even individuals can consider how much impact such a loan product can have on housing prices, so it would be good to assess how much influence it can have. So, what kind of product is this? It's a newborn special product, literally a newborn special product. So, if you have a baby, you can receive the newborn special product. But there are conditions. There must be conditions, right? Then, is it possible for babies born in January 2022? No, it's not. There is a standard of about two years. Recently, a standard has been set that targets babies born in the last two years. But they just launched it this time, so the criteria have been set quite strictly. Starting from January 1, 2023, babies born after that date are eligible. But as far as I know, previous loan products in special areas had a deadline. I wonder if this one also has a deadline. Yes, that's correct.

In the past, the special home loan program was only available for a year, but you asked a really good question, so I predict that it will probably continue permanently. Therefore, if there are newborns within the last two years, even if they are newborns, they are eligible for the loan product. So, even if you are not eligible right now, I hope you will consider it. If a mother is pregnant right now, can she apply? If she is pregnant, it is a very precious life, but unfortunately, she cannot apply for the special home loan program yet. She can only apply after giving birth. Once the baby is born and cries a little, then the application can be submitted. It seems like there might be a need for something like that, but what are the conditions? The current conditions are basically for non-homeowners as it is a government program.

Government housing is actually mainly for non-homeowners, and there are many cases where non-homeowners are the primary target. If you are a non-homeowner, it would be good to apply once. Therefore, if you are a non-homeowner, you can apply, and the combined annual income of the couple should be 130 million won or less, and the net assets should be 469 million won or less to be eligible. Well, it seems that a considerable number of people are eligible, but then the target housing seems to be important. In fact, the housing needs to be good for there to be demand, right? Yes, the target housing is set quite strictly. It is set at 900 million won or less, and the target housing should have a floor area of less than 85 square meters. Somehow, there are still options available up to a size where you can live together, but it's a bit regrettable. That's right. It's called the national average area, which is 84 square meters, right? Yes, that's correct. The 84 square meters is what is called the national average area, right? Typically, it is for three people.

A family of four is considered the best to live in Korea, so it is nicknamed National Balance. In simple terms, you can easily apply for a dedicated 84 Jemi. However, for those living in towns, it is possible up to 100 meters, so it would be good to check once if you are included in a certain address. If you think about buying an apartment for less than 900 million won and getting a loan, it seems possible. If you think about less than 900 million won, there are actually many options available, such as apartments in Gyeonggi-do or new cities for less than 900 million won. Unfortunately, even for a house under 900 million won, the maximum loan limit is 500 million won. So, even if you say 800 million won, you can only get up to 500 million won as a loan, and you need to have 300 million won in cash. Therefore, you should definitely keep this in mind.

And to explain a little more precisely, it's LTV. LTV is the loan-to-value ratio for the house, you know. Generally, it's 70%. For first-time homebuyers, it's 80%. But as I mentioned earlier, even if the loan limit is 500 million KRW, if you buy an 800 million KRW house, the LTV of 70% means the loan limit won't be reached, right? That's correct. This part has been subject to quite a bit of criticism. Nowadays, if you want an 84m² unit, you have to go a bit further to the outskirts of the metropolitan area. Nowadays, it's hard to find a place like Geumdan or Mirae Jihyang for 600 million KRW. In fact, everyone wants to live in Seoul, but many couples find it difficult to raise children there. You can consider a 59m² unit, and a 79m² unit is also fine. Even if there are good products, it's not easy to find the target property, which is a major issue with this product. From what I've heard, not only the LTV but also the DTI need to be considered for loan products.

Usually, ltb DTI DSR requires a lot of attention, but in the case of this product, you should pay attention to DTI. DTI stands for the ratio of income to interest payments. It's easy to explain how much you earn and how much interest you pay. Typically, when repaying a mortgage loan and other loans including interest, it should not exceed 60% of your income, which is called DTI 60%. You should keep this DTI 60 point in mind. However, as I listened, regulations seem to be quite strict. There are many restrictions and the limits are a bit low, so the advantage is not there. The advantage is that DSR is not considered. Not considering DSR is the biggest advantage. DTI and DSR have more regulations, especially DSR has stricter regulations, meaning a broader range of regulations. But if you only look at DTI, you need to consider DSR as well. If DSR is included, the loan limit will be significantly lower. From the perspective of someone looking to buy a house, a little more

It can be said that one of the advantages of Natgetne is that it doesn't even look at DSR, so there were many people who saw benefits. So, since this product doesn't look at DSR, it would be good to calculate a bit and comfortably check DTI LTV first to see what conditions are available for loans. In fact, there are some people who feel a bit burdened by loans. And when it gets too big, it can be worrisome. The interest on the loan seems to be quite important. So, what is the interest rate like? I mentioned DSR earlier, but the stress of DSR makes it really difficult to get loans these days. However, even if you get a loan, there are too many cases where it becomes a problem because the interest rate is too high and you have to pay too much interest. But ultimately, even with the advantages in terms of interest rates from Natgetne, in times like this, it may still be difficult.

There can be a slightly significant advantage in interest rates. These days, the interest rates for home mortgage loans are around 4% to nearly 5%, almost reaching 5%. Compared to the base rate of 5%, it is much higher. Many people might think that 5% is a high level. However, the special interest rate has been set much lower, ranging from 1.6% to 3.3%, depending on income and maturity, which is significantly lower than the market rate. To explain it in more detail, households with an annual income of less than 85 million won have an interest rate between 1.6% and 2.7%, and for households with an income exceeding 85 million won, the interest rate is set between 2.7% and 3.3%. Depending on income and maturity, it is set at a slightly different rate. Even for those in a relatively high-income bracket, the interest rate is lower than the market standard rate, making it quite attractive. Typically, home mortgage loans are for 20 to 30 years.

I wonder if the interest rates will continue to stay the same and then later change again, possibly going up. Yes, that's correct. It would be great to have received a loan for 20 or 30 years at such low interest rates. I feel like even newlyweds might consider taking one out. Yes, that's true. The interest rates will remain fixed for the first five years, and then they will start to fluctuate. For example, if someone took out a loan at 2% after having a child in 2023, the 2% interest rate will only apply for five years. After that, it will switch to a variable rate. Additionally, there is a difference based on income. For households with an income of less than 85 million won, an additional 0.55% will be added to the original interest rate. So, if someone had a 2% interest rate, after five years, it would become 2.55%. On the other hand, for households with an income exceeding 85 million won, they will be able to secure the lowest interest rate offered by commercial banks at that time.

If you think the loan interest rate fluctuates, you can consider that. Then you might think you could get a loan cheaply for five years. However, I want to receive an interest rate discount with an extension. Actually, is there a way to extend this? Yes, you might think five years is too short, but there is a way to extend. Oh, but somehow it doesn't seem to be a very comfortable or easy way. It's not like just asking for more time, right? That's correct. You can have more children. Oh, having children brings happiness, right? In fact, although it's unlikely that people have children to get a 5-year interest benefit, if you plan a bit strategically, for example, if you have one more child within 5 years after giving birth, like a chubby frog son, then you can extend it to 10 years. Certainly, it's not a common solution for the general public.

It seems that the government will lower the interest rate by 0.2% per child, and the extension will be for an additional 5 years. So, if it's for this child, the extension will be up to 10 years. But here, there is something that needs to be mentioned. Even if it's the interest rate now, it was mentioned that it applies to those born after January 1, 23. If there is a birth before January 1, 23, only one child will be included. Oh, it's so disappointing. Just because of a one-month difference, it turned out like this, right? Yes, that's correct. So, if you have a child born after 23, you can already receive preferential interest rates for 10 years, which is an advantage. Moreover, it is possible for up to 15 years. So, for those planning to have children, it would be good to remember this and utilize it. Therefore, nowadays, when considering the total fertility rate, in fact, having two children is really challenging. You can consider this as a bit of a difficulty. Also, additional subscription enrollments, new subscriptions, etc., will have preferential interest rates.

There are benefits, so please take care of that. And there is a subscription discount, about 0.3% to 0.5%. Oh, you're talking about the interest rate, right? Yes, so when the interest rate decreases, I recommend keeping the subscription account without breaking it. Actually, I'm more curious about this. I wonder what kind of impact this new housing exception can have on our real estate market. I'm really curious if there will be any impact. How do you see it? Yes, I went to cover real estate once, and there were a lot of calls in the real estate market. Real estate agents were contacting people who were trying to sell their homes. The new housing exception started on the 29th, and because of that, they want to raise the price a bit.

I heard a little when I went out to cover that there is a groom. Oh, I see. Yeah, that's right. This situation is unfolding a bit, so I need to watch a little longer, but from what I've seen through the coverage so far, it's at a very subtle level. The homeowner has the intention to raise the rent because there is a high demand for the house, but the tenant is saying that there are not many transactions happening. They say that if you raise it now, it may be even harder to make a deal. They are saying that there are many inquiries right now. Can I take a look at a house with a little loan? When I went to Bundang from that area before, the house prices were still set at below 900 million KRW, so that's why there are many inquiries. It's a bit disappointing that it doesn't lead smoothly to a contract. It hasn't been long since it started, but it's really surprising that there are already inquiries.

I applied for the special exemption for newlyweds from the 29th, and the supply will be available from the 30th. Physically, it's possible from the 30th, but ultimately, you need to see the house and assess the possibility of a loan before applying, so many people are applying a bit early. Therefore, there are many inquiries, but you should think that it won't have a big impact on the real estate market. Since the low birth rate situation is quite severe, in fact, there may not be many people who can benefit from it. Yes, that's right. When we talk about the low birth rate, it's really an endless discussion. So, sometimes we write articles about it, mentioning the term record low each time. Therefore, you should be a patriot. How are you spending this Lunar New Year holiday? Well, I haven't even gotten married yet, but if I do get married, I will definitely try to be a patriot.

So, when we journalists deal with the issue of childbirth, we may actually set a record for the lowest birth rate in history, and the population is decreasing too much. Since January 23, the number of births has been, like, a total fertility rate of 0.5, which could break or could break, and 0.6 births are also very one-sided. So, because there may not be many eligible individuals, it may not have a significant impact on housing prices right away. So, is there nothing to be aware of in the real estate market related to this? Do you think there will be almost no impact? I find it difficult to make hasty judgments, but I don't think there will be absolutely no impact. For example, in areas like Gangnam, it is actually too expensive for newlyweds to enter, so it may not have an impact, and no one may meet the conditions, but there are places where many newlyweds live, like in the suburbs or new cities.

These days, many newlyweds live in places like Dongtan, Hwajeong, Geumdan, where there are many newlywed couples living on the outskirts. In Hanam, there are quite a lot as well. It's quite prevalent in Hanam. It is thought that the influence of housing prices can be a factor in places where many newlyweds live. Although the current birth rate has significantly decreased, there are still regional variances. In the case of Sejong, the birth rate is not very high at the moment. Therefore, you can see some differences by region. Sejong's birth rate is quite low, which is quite unusual. I can't remember exactly, but it was close to one child per family or even more than one child, as far as I remember. However, in Seoul, it has decreased too much, but when you look at it by region, the total birth rate varies.

What is the birth rate, and it may have an impact on the outskirts or smaller regions like newlyweds or a little further out, so it would be good to look into that as well. Yes, I understand. It seems like we need to get married quickly and have children. Yes, I hope there will be some special benefits for me until my child grows up after I get married. Yes, our personal finance team will bring more valuable and interesting securities news next time, looking forward to it. No, I am more excited about real estate news. Viewers, please look forward to the securities news, and I will search well and bring interesting news. See you next time. Goodbye.

[뒷담화] 신생아 특례 대출의 모든 것! 우리집도 해당될까?

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출산율 감소가 주택 및 대출 상품에 미치는 영향

출산율 감소로 인해 정부는 신생아를 위한 특별 주택 대출 상품을 도입했습니다.

이 상품은 2023년 1월 1일 이후 출생한 아기가 이용할 수 있으며, 2년의 엄격한 자격 기간이 적용됩니다.

임산부는 대상에서 제외되며, 이 프로그램은 정부 이니셔티브인 만큼 무주택자를 대상으로 합니다.

한국의 비주택 소유자를 위한 정부 주택 지원

연소득 1억 3,000만 원 이하, 순자산 4억 6,900만 원 이하인 무주택자라면 주택 지원을 신청할 수 있습니다.

대상 주택 가격은 9억 원 이하, 대출 한도는 최대 5억 원으로 설정되어 있으며, 담보인정비율은 일반적으로 70%, 생애 최초 구입자의 경우 최대 80%까지 대출이 가능합니다.

특히 수도권의 경우 전국 평균 면적인 84㎡를 초과하는 주택을 정해진 예산 내에서 찾기가 어려워지고 있어, 적절한 대상 주택을 찾는 것이 과제입니다.

주택담보대출에 대한 DTI 및 DSR 이해

이 상품에서는 총부채상환비율(DTI)이 매우 중요하며, 총 지출 한도는 소득의 60%가 권장됩니다.

낫겟네는 DSR을 고려하지 않는다는 장점이 있어 많은 분들에게 큰 혜택을 제공합니다.

나그네의 주택담보대출 금리는 소득과 만기에 따라 1.

3%까지 시중 금리보다 훨씬 낮게 책정되어 대출자에게 매력적인 상품입니다.

5년 고정 이자율 및 연장 가능 기간에 대한 이해

이자율은 5년 동안 고정되며 저소득 가구의 경우 0.

55%, 고소득 가구의 경우 시중 은행 최저 이자율을 추가로 적용받을 수 있습니다.

5년 이내에 다른 자녀를 낳으면 5년 연장이 가능하며, 정부는 자녀당 0.

특별 금리 혜택은 2023년 1월 1일 이후 출생한 자녀에게 적용되므로 최대 15년까지 혜택을 받을 수 있습니다.

새로운 주택 예외 규정이 부동산 시장에 미치는 영향

새로운 주택 예외 규정으로 인해 문의가 증가하고 판매자 사이에서 집값을 올리려는 욕구가 커지고 있습니다.

하지만 집주인과 세입자 간의 협상이 미묘한 상황이기 때문에 임대료를 인상할 경우 거래가 더욱 어려워질 수 있습니다.

특히 저출산 상황을 고려할 때 초기 문의 급증은 부동산 시장에 큰 영향을 미치지는 않을 것으로 예상됩니다.

출산율 감소가 주택 가격에 미치는 영향

특히 도시 지역의 출산율 감소가 주택 가격에 미치는 즉각적인 영향은 제한적일 수 있습니다.

하지만 신혼부부들이 많이 거주하는 교외나 신도시의 주택 시장에는 영향을 미칠 수 있습니다.

출산율이 높은 세종의 경우와 같이 지역별 출산율 차이도 특정 지역의 주택 수요에 영향을 미칠 수 있습니다.