Do you know about the crazy system where you can live by paying only 1-2% of the deposit exceeding 100 million won for rent? Many people want to live alone but find it wasteful to pay a high monthly rent, and buying a house with a large lump sum for a deposit is also a concern these days. Those who are worried about buying a house should definitely consider using this system. It's a way to save money, but many people are not aware of it and end up just spending their hard-earned money. It's called the LH Youth Lease, and you only need to watch one video to understand it. The LH Youth Lease is a rental business supported by LH, where we can live in a rented house through LH's support. Especially, you can receive very generous financial support. You have to find the house you want to rent and negotiate the terms yourself. You need to be quick-witted and resourceful. And you can receive support from LH to pay the deposit at a very low cost. For those who don't know what LH is, there may be some of you.

It's okay. In times like these, when the world seems grim, adults used to say not to like free money. I don't even know what it is, does it make sense to receive it? Oh, I just won't do it. It seems risky. Many people may think like this. Stay in and listen carefully. LH is a central public enterprise under the Ministry of Land, Infrastructure, and Transport. You can trust it. There are two major fatal flaws in jeonse. 1. Money is tied up. 2. You may not receive that money. You can resolve these two major drawbacks. Let's see the advantages of the jeonse rental business. First, there is generous support for the jeonse deposit. If you pay only 1 to 2 million won as your share, LH will support the rest of the amount for a maximum of 120 million won. This share you pay is not the kind of money that disappears when you pay it. Think of it as a deposit of around 100 to 200 million won. You can get it back when you move out, except for room damage.

It's money. Usually, when you get a lump-sum loan, it can't be compared to what we had before. Instead of comparing, we just need to pay monthly rent instead of lump-sum interest. We paid about 1 to 2 million won out of the lump-sum support as a rental deposit. Excluding that amount, if we pay around 1% to 2% annually, it's a very sweet deal. It's crazy, right? Many people are receiving this KakaoBank's monthly rent deposit loan, which will be around a minimum of 3.43%. Looking at it this way, you can see how great it is. If you understand it well, I'll show you the limit and area criteria for lump-sum support. It varies depending on the area and residence. In the metropolitan area, you can receive up to a maximum of 120 million won, which is the top support. There are also area criteria. In fact, it's a pretty spacious area to live in, not too narrow, which means young people who meet the residency requirements, like 2 to 3 friends who meet the qualifications.

If we decide to buy a house together, is it possible, Byunggle? But 120 million won seems a bit low in quality. I want to live in a better place. Is it possible if I exceed the support limit, I can get a better rental house by adding a bit more money. The binding amount is around 120 million won, which means about 100 to 200 million won. Byungari, who is watching my channel, will probably have some extra funds, right? You can pay more additionally, but if you are a sole resident, you can get support within 150% of the support limit per household, and if you are a co-resident, you can get support within 200% per household. I'm not sure if you understand, so let me give you an example. If the support limit is 120 million won, then as a sole resident, you can get support for a house up to 180 million won (120 million won x 150%). However, 60 million won will be your own responsibility, so please keep that in mind. The second advantage is that it is safe from a lease scam. A lease scam is a problem with the landlord, right? They might not listen. But LH...

If you utilize the lease of public housing, you can rely on LH. We have a hundred LH who know about LH. Because the landlord and LH sign a three-party contract like this, you can feel a little more at ease. There is a law firm that handles all the processes of analyzing whether the house is good and signing the contract, so it's okay. Even if you are a beginner living on your own, you don't need to worry at all. Also, you must definitely join the credit insurance for the lease, so the stability increases. Of course, you must also take out a guarantee insurance, but LH will help us with the amount we pay. Oh, and the third one, this is really important. If you meet the qualifications during the lease period, you can renew the contract up to four times every two years, so you can live with peace of mind for a total of 10 years. We don't know what situation we will be in. I'm talking about the youth, but there are others.

There are different types, and in the case of other types, the rent may go up or there may be conditions for eviction depending on income or asset levels. However, for our young adult type, unless they own a house or receive duplicate funds, there are no conditions such as rent increases or eviction based on income. Therefore, it can be considered very reasonable. The fourth one is that you can live in a house that reflects your preferences. Even if it's your first time living alone, you might have a cat. I'm fine with everything, but I don't like a bad location. I'm fine with everything, but I don't like it too cramped. People have very diverse preferences like this. Just because you receive money doesn't mean you have to live here. Instead of strictly designating a place to live, you can live in a house you want in the area you hope for. There are no specific designated houses, so you can buy or rent a house that suits your taste.

As I mentioned earlier, there are six types of lease housing. Many of you watching my channel may be young, so I will explain focusing on the youth. Oh, there are also newlyweds and newborns, including prospective newlyweds. So, if you have prospective newlyweds, it would be good to take a look at this as well. The cases are very diverse, so I will pass on more information to you. There are also cases of housing for socially vulnerable groups, where various systems are in place to strengthen the housing safety net. If you think someone around you may qualify for this but is unaware, please make sure to inform them. A good living environment is essential, and housing plays a crucial role in that, so it seems like the housing ladder is functioning properly.

I'll do it once and compliment you. We should give compliments and show interest because it leads to policies for us. Now, let's look at the target recipients. They should be people without homes, university students, job seekers, or aged between 19 and 39. It would be great to provide housing for all young people, but since the security deposit and rent are cheaper than the market price, there are conditions of priority from 1 to 3. It is based on income and assets. According to these criteria, people are divided into priority levels 1, 2, and 3. Typically, individuals fall into priority levels 2 and 3. For a single-person household in priority level 3, the monthly average income is 3,335,880 won. If utilizing the LH lease subsidy, the deposit to be paid is around 1 to 2 million won. This is based on the criteria for youth. Similarly, based on income, individuals are categorized into priority levels 1, 2, and 3.

The security deposit, as mentioned before, the first priority is 1 million won, and the second and third priorities are 2 million won each. Monthly rent is the amount excluding the lease security deposit from the lease support funds, and we pay around 1 to 2% interest annually on the remaining amount. Now, let's go through the application process. First of all, you need to apply for LH occupancy. Once you are selected as a tenant, you can start looking for a house to buy by selling your current property. There are criteria for LH lease housing eligibility. When you look at the building register, it should be designated for residential use and not an illegal construction. Also, the amount of loans and debts on the property should be below a certain level. It is crucial to find a house that meets these criteria. LH conducts a rights analysis process to determine if support is possible based on these factors. Finally, when you find a supported house, you can proceed with the lease contract.

We will sign a lease agreement, and after that, we just need to move in quickly. You can apply at a place called LH Subscription Plus. When the recruitment notice is posted, you can apply. Currently, only the 1st priority is open for continuous recruitment, but if the 2nd or 3rd priority for youth opens, apply quickly. It's said that there are quite a few application documents, but don't just ignore it because it's bothersome. If you do it once, it's a system where you can save money like crazy. Once you meet the requirements, do it once, and you can live comfortably for 2 to 10 years. So, I hope our young people are smart and prepare the documents well. However, because it is indeed a good system, it's hard to find properties, so don't just try to buy it outright. Please make good use of the methods I am telling you now.

I recommend taking a look. First, let's try to find a rental property through the whole rental portal. Here, you can see the listings of homeowners who have agreed to provide houses for lease. However, you need to go through the process of confirming whether the LH (Land and Housing Corporation) supports the debt ratio requirement. There are so many listings where homeowners have agreed. You can easily see the listings by searching for the desired area. For example, there is a house available for 85 million won with a 10,000 won deposit, and you can move in at any time. Also, if you find one more friend and pay an additional 35 million won, you can live in a house with such conditions. Isn't it really pretty? Secondly, through the Dabang app that we are familiar with, we can see listings by real estate agents, such as monthly rent or lease listings. When they register, they can also add whether it is available for LH lease. So, when you check the app or website, you can see the LH rental tag displayed.

In possible places, when you look at Dabang, the images are displayed well, so I recommend looking at it like that. Tagged items like this are also uploaded to the lease portal that I showed you earlier. So, honestly, if you say it's too much trouble, it seems like it's only about making a lease portal. Instead of just searching randomly, it's much more beneficial to utilize that, so I hope you give it a try. This is my sincere opinion. I also looked into it diligently. I hope we can easily find a place to live. But it seems like the lease portal is good. However, in the case of Dabang, the photos are displayed very well. So, now I want to go through some basic verification with my own eyes. Our Byungarideul who want to do this, you can also actively use Dabang. So, it means you should try using both. I really recommend both.

I will organize the recommended targets. As newbies, it's not easy for us to move into a new apartment, a new building, or things like that. I also lived in a place that cost 35,000 to 300,000 won for more than three years. It was a one-room, but if you think that one room has been there for a long time. But if you don't like one room, as young adults, you are most likely to end up living in officetels, which are the most common and dangerous places in the world. Or you may have no choice but to live in places like villas. However, there are times when you want to live independently, or sometimes you have to do it out of necessity depending on the situation. So, if there are conditions for this LH Jeonse business, I would definitely recommend applying if you meet the criteria. There are also happy housing options, but the competition rate is very high, and you have to do a broad search on your own.

You can't choose, so if you want to move out faster, I recommend considering leasing. Also, when looking for a rental, you have a better chance of getting a nicer place if you are willing to sell a lot of your belongings. So, if it applies to you, I really recommend selling a lot of your stuff. Still, since it's the place you'll live in, it's better to live in a place that you really like, so that we can strive and move forward energetically in the future. That's my wish. This video will end here, and I will see you again with another helpful and informative video next time. Goodbye.

이걸 미리 알았더라면.. 자취하고 싶다면 꼭 보세요. (돈 겨우 200만원 묶이는 LH청년전세임대주택 총정리)

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