Hello, this is Joo. Two days ago, an issue regarding loans arose, so let's take some time to look into it. It has been reported that the remaining balance loans for newly constructed apartments have been restricted, particularly among banks. Among the new banks, Woori Bank announced regulations on the remaining balance loans for newly built apartments starting from the 9th of last month. Following that, KB Kookmin Bank has added further loan restrictions. The new regulations state that for the group remaining balance loans of newly constructed apartments, after receiving applications, there are deposits, interim payments, and remaining balance payments. They intend to regulate the remaining balance loans, specifically the group remaining balance loans. The targets are the newly constructed apartments nationwide that will be available for move-in starting this month. KB Kookmin Bank will not execute move-in loans and interim payment loans for certain complexes. However, if KB Kookmin Bank has already executed the move-in loan or interim payment loan for a complex, they will proceed as planned. Now, a representative from the bank...

It was stated that this decision was made as part of management measures. The total amount regulation for mortgage loans did not start immediately; this regulation began in 2017. However, over time, there have been adjustments where regulations were imposed and then lifted repeatedly, but it has been ongoing. Now, we see that it feels very sudden. Many people are worried about what will happen if this spreads to other banks. Among the concerns that people have, one is about this issue. Therefore, among the commercial banks, our bank announced regulations on the loans for newly built apartments starting from the 9th of last month. Our bank made the announcement first, followed by Kookmin Bank. As a major bank, there is concern that other banks might also follow suit and start imposing regulations.

It is true that this month alone, there are 44 newly constructed apartments scheduled for occupancy in Jung-gu, with over 30,000 units expected to be occupied in total. As a result, if the suspension of balance loans expands to other banks, the residents are bound to be confused. There is a thought to manage the financial market at the stage of financial management. By limiting loans, it is possible to prevent a sharp rise in housing prices and promote stability in the financial market. However, the downside is that if I need to secure my own home, the loan regulations could make it difficult for me to purchase that house. What happens then? If it's hard to complete the balance payment, moving in becomes difficult. In that case, I could rent the house out. By combining the rent and my own funds, I could cover the balance payment. But what if the rent I receive...

If the amount of money I have combined with my own funds is not enough to pay the balance, a situation may arise where a forced sale becomes necessary. In such cases, it may be possible to purchase that apartment at a slightly lower price. From the buyer's perspective, this could be seen as an opportunity. Therefore, for those who have received a subscription for a pre-sale, they are trying to do everything possible to prevent this situation. Currently, they have blocked two banks, but they are looking into other banks to see if they can secure a balance loan. They are checking whether they can obtain a balance loan from other banks in the market as well. It is important to make this effort and to have a proactive approach to figure out how to manage the balance payment in advance. However, if we consider a different scenario where I am looking for a house or trying to find a place to rent, this could also present an opportunity for me. Therefore, I need to plan ahead for the homes I want to go to or need to go to.

I would say that it is very important to investigate and confirm these matters. If these loan regulations continue to be severely maintained, it will undoubtedly be difficult for those who have purchased properties. It is essential to explore many ways to secure the remaining payment. Make sure to visit various banks and thoroughly investigate where you can obtain funds. This way, you can make the final payment and maintain the property you purchased. I hope you can find a way to save your home by any means necessary. For those looking for rental properties, as regulations tighten, the supply of rental units may slightly increase. There may be opportunities to live in rental properties at lower prices, so keep tracking the market rates for the properties you desire, whether it be for jeonse (long-term lease) or monthly rent.

Please look it up. And if there are those who are considering buying, they may not know how the situation will change, and they cannot predict how the loan regulations will tighten or ease. Therefore, it would be good to keep an eye on that house. In fact, this is not the first time we've experienced such loan regulations. There was an article about this: Residents about to move in are struggling to secure their final loan. This was an article from November 2021, and it is quite similar to the current situation. And it's not just that the regulations have tightened for the final loan; it's also about other loans. Let's give up on homeownership. The article states that loans under 500 million won are also being restricted. This was an article that came out yesterday. In a way, the stepping stone loan, which is a policy for ordinary citizens, is also being blocked. I know that many people had small plans to secure their homes using this loan. But suddenly, this has happened.

The government is reducing the loan scale and benefits of the policy loan for the underprivileged, known as the Ddimdol loan. For first-time homebuyers, the current collateral loan recognition ratio has been lowered from 80% to 70%, which also reduces the benefits. The articles present somewhat fragmented information, focusing solely on factual content. This analysis includes recent developments regarding loans, particularly the reduction of loan limits. When purchasing a house, there is a system that allows newlyweds and households with two or more children to borrow up to 250 million won. The collateral recognition ratio has been adjusted from the previous 80% to 70%. If you buy a house worth 300 million won, a simple calculation shows that if you could borrow 80%, you would be able to obtain a loan of 240 million won, meaning you would need 60 million won. However, if the recognition ratio is 70%, you would then need 90 million won.

그만큼 규모의 차이가 날 수 있다. 3천만 원에 차이가 날 수 있다는 것이거든요. 대출에 관한 설명, 대출에 관한 자세한 내용들을 더 보고 싶으시다면 제가 링크를 남겨 두도록 할게요. 링크를 타고 오시게 되면 훨씬 더 자세한 내용들을 많이 볼 수가 있으실 겁니다. 대출 규제에 대해서 이해도가 좀 더 높아질 수 있다고 생각합니다. 정리가 상당히 잘 되어 있더라고요. 오늘 간단하게 잔금 대출에 대해서 말씀드렸는데, 다음에는 더 유익하고 또 여러분들이 꼭 알아야 되는 정보를 가지고 찾아뵐 수 있도록 하겠습니다. 

There can be a significant difference in scale. There could be a difference of up to 30 million won. If you would like to see more detailed information about loans, I will leave a link. By following the link, you will be able to access much more detailed information. I believe your understanding of loan regulations will improve. The information is quite well organized. Today, I briefly talked about balance loans, but next time, I will return with more useful information that you all need to know.

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