Finally, the detailed requirements for the special New Deal loans have been confirmed. Starting today, January 29th, applications can be submitted. Let's check the related information. The special New Deal loans are broadly divided into two loan products. Yes, they are divided into loans for home purchase, which are home collateral loans, and loans for jeonse funds, which are jeonse fund loans. The names of each loan are called the New Deal Dditumter Loan and the New Deal Support Loan. As you can tell from the loan names, the special New Deal loans are expected to be loan products based on existing Dditum loans and Support loans. Therefore, except for some items such as loan interest rates and income requirements, the special New Deal loans are the same as Dditum loans and Support loans. In this video, we will talk about the special New Deal Dditum loan. If you watch this video and the previous video on Dditum loans together, you will be able to fully understand the special New Deal loans.

Yes, then let's start discussing the details of the Shinhan New Special Dividend Loan. Considering that there may be a lot of overlapping content with previous loan-related videos, thank you for your understanding. First, let's talk about the eligibility criteria for the loan. In order to receive the Shinhan New Special Dividend Loan, you must have already signed a housing purchase contract. In cases where you acquire a house through inheritance, gift, or property division, you are not eligible for the Shinhan New Special Dividend Loan. Furthermore, as of the loan application date, the head of the household must be at least 19 years old according to the Civil Code, and all household members, including the head of the household, must not own a house. Please note that starting from September 13, 2018, housing subscription rights and cooperative membership rights are also considered as housing, so please be aware of this. Next, there are special requirements for applying for the Shinhan New Special Dividend Loan. You must be a household that has given birth to or adopted a child within 2 years of the loan application. In this case, households with children born after January 1, 2023, are eligible.

It is based on the child, so it does not include the fetus at the time of pregnancy. Also, for adopted children, the standard is those born after January 1, 2023. However, the age of the adopted child should be under two at the time of loan application. Therefore, based on the loan application date for adoption, they should be born after January 1, 2023, and be under two years old at the same time. This seems to be a measure to prevent illicit benefits using the adoption system. Furthermore, it is possible to apply for a loan even if you have children without reporting a marriage or giving birth through adoption. Additionally, for the New Life Special Support Loan, overlapping loans with existing support loans are prohibited. In the case of the Housing Urban Fund loan, if any household member is currently using the Housing Urban Fund loan, the loan is not allowed. However, the Housing Lease Fund loan can be repaid on the same day as the loan application date. In simple terms, among the household members, if anyone is using the Housing Urban Fund...

If someone is using a housing provident fund loan, they can apply for a special loan after repayment. In the case of the Housing Urban Fund lease loan, it is possible to apply under the same-day repayment condition. Secondly, if the borrower or spouse is using a housing loan for a different property, a loan is not possible. In this case, even if the spouse is planning to marry or has separated households, they are included. Lastly, in terms of the new life standard family relationship certificate, it is said that duplicate loans for parents listed in the certificate for the same newborn are limited. In simpler terms, only one special loan is available for one newborn. Even if marriage is not registered, it means that the father and mother cannot receive loans separately for the same newborn. Do you understand? Also, in the case of existing Dream Home loans, single homeowners cannot apply for a loan. However, for newborn special loans, even single homeowners can apply, and refinancing is possible.

When applying for a refinancing loan, there is no restriction on the timing. However, it is said that refinancing loans are only possible if the existing loan to be refinanced is a home mortgage loan and at the same time, intended for home purchase funds. For example, if the existing loan is a home mortgage loan but not for purposes like housing stability, then refinancing is not possible. Also, the amount of the loan that can be obtained is said to be possible within the range of the remaining balance of the existing home mortgage loan. However, it is recognized as a new loan within three months from the date of transfer of ownership registration, and within the limit of the refinancing special loan, it is possible to execute a loan regardless of the remaining balance of the existing home mortgage loan. This is an important point, so please remember it. Lastly, refinancing loans are generally possible for the same person as the existing loan debtor. However, for special loans, they recognize spouses as the same person. For example, even if the existing home loan is in the husband's name, refinancing special loans are

You can communicate in the name of your wife, not your husband, that's what many people were curious about, and it seems like it has been answered. Next is the income requirement. When you report your marriage and when you don't report your marriage, the requirements are divided. This is also a topic that many people are curious about. First, if you have reported your marriage, the total combined income of the couple must be less than 130 million won per year. And in the case of not reporting the marriage, the total combined income of the parents listed on the family relationship certificate should be less than 130 million won per year. The most important thing here is the family relationship certificate based on the new life standard. Generally, when a birth is reported, regardless of whether a marriage is reported, the father and mother are identified. So, when you look at the family relationship certificate based on the new life standard, in most cases, the father and mother will be listed. Therefore,

In most cases, even if you do not report your marriage, you still need to consider the combined income of your father and mother. In order to meet the income requirement, some people may consider intentionally omitting one of the parents when registering the birth and then reporting it later. I'm not sure if there are any disadvantages to late registration, so you should check separately. Anyway, for those who do not report their marriage and apply for a newborn special loan, the parents included in the family relationship certificate based on the newborn standards must be recognized for the combined income standard. You must not forget this. Next is the requirement for net assets in 2024, which should be less than 469 million Korean won for the combined assets of the couple. Furthermore, regarding the housing area requirement, just like the existing Dream Home loan, the residential area should be less than 85 square meters, and it should be in a rural area, not in urban areas excluding the metropolitan area.

It is possible for areas up to 100 square meters. The next is the loan limit. The loan will be executed with the smallest amount among the following amounts. The maximum loan amount available is 500 million won. If the LTV is below 70%, in the case of a newly built house, it is possible up to 80%. Also, the DTI should be within 60%, and DSR is not applied. Next is the loan interest rate. In the case of a special loan for new homes, it is called a special interest rate. This special interest rate is applied for a basic period of 5 years. If additional childbirth occurs within 2 years from the loan application date, you can extend it by 5 years per additional child, up to a maximum of 15 years. Depending on the combined annual income of the couple and the loan period, different interest rates apply. It ranges from a minimum of 1.6% to a maximum of 3.3%. Please check which bracket you belong to. When the special period of 5, 10, or 15 years ends, the interest rate will change. The interest rate changes based on an annual income of 85 million won. If the annual income is 85 million won or less, when the special period ends, it will increase by 0.55% to 2.1%.

It is said that an interest rate of 3.25% is applied. On the other hand, if the annual income exceeds 85 million won, the special period will end, and the lowest interest rate among deposit banks and commercial banks' mortgage loan rates will be applied. So, how about the preferential interest rate? The preferential interest rate is organized by classifying it into childbirth, remaining balance, existing balance, subscription savings, and others. These preferential interest rates can be applied simultaneously, and when the special and preferential interest rates mentioned earlier are combined, the lower limit of the interest rate is 1.2%. Therefore, the lowest possible interest rate for the newborn special purchase fund loan would be 1.2%. Now, let's look at each preferential interest rate item one by one. First, it is for childbirth. Childbirth refers to additional children born within 2 years of the loan application, including twins. For each child born, a 0.2% discount can be applied, and if additional children are born during the loan period, the interest rate discount conditions can be changed.

It is said that additional benefits can be received. Secondly, existing children. Existing children refer to minors born more than 2 years before the loan application criteria. For each existing child, you can receive a 0.1% benefit. Unlike the childbirth benefit rate, changes in the interest rate benefit conditions during the loan period are minimal. And thirdly, there is also a preferential interest rate for the housing savings account. If maintained for 5, 10, 15 years or more, you can receive 0.3%, 0.4%, 0.5% benefits, respectively. Lastly, for newly developed homes, even if you have a digital contract for sale, you can receive a 0.1% benefit. Next is the obligation to reside. The borrower must move in within 1 month from the date of the loan and must reside for more than a year. If you fail to move in and reside without justifiable reasons, you will have to repay the loan. Also, if the property rights are transferred to a third party for reasons such as the existing tenant's death.

If it is difficult to move within a month, you can extend the move by two months by submitting a reason document. Also, if you cannot move unavoidably due to reasons such as moving to a place for disease treatment, it is said that it is possible to apply for actual residence. Next is the content related to the special requirement of maintaining adoption status for the New Life Special Loan. The borrower who received the New Life Loan based on the adopted child must meet the requirement of maintaining adoption status for more than a year from the date of receiving the loan, and if they fail to maintain adoption status for more than a year, they will lose the deadline benefits and have to repay the loan. This requirement seems to have been created to prevent illegal benefits through adoption. Now, we are almost done. Please hang in there a little longer. Next is the timing of applying for a loan. Basically, you need to apply for a loan before transferring ownership registration. If you transfer ownership registration before applying for the loan, then

You must apply for a loan within 3 months from the date of registration, and for refinancing loans, there are no specific restrictions on the timing of application; you can apply anytime. Finally, for those who wish to apply by visiting the bank, the designated banks for the New Growth Special Loan are Woori Bank, Shinhan Bank, KB Kookmin Bank, NH Nonghyup Bank, and Hana Bank. If you prefer to apply for a loan online, you can securely use the funds. That's it. So far, we have looked into the detailed requirements related to the New Growth Special Dream Loan. Starting today, January 29th, they are accepting applications. For those preparing for the New Growth Special Loan, please refer to today's video to make sure you enjoy the benefits of the New Growth Special Loan. Thank you for watching until the end today. We will come back with more helpful videos. Have a great day.

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