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You can check the application of the regulation.

It is very important to check which regulations are bound to the property you are going to subscribe to or sell. This is because depending on what regulations are tied up in the area, requirements such as loans, transfer taxes, and resale restrictions may change, which could disrupt the real estate sales plan. Today, we will have a time to find out about the overheated speculation zone, a type of real estate regulation area, and the resulting loan limits and conditions.

Limit of loans in overheated speculation zones Limit of loans in overheated speculation zones

Mortgage loans vary depending on the region for homeless people. In the case of jeonse loans, the Korea Housing Finance Corporation can borrow up to 200 million won, the Korea Housing and Urban Guarantee Corporation can borrow up to 400 million won in the Seoul metropolitan area and up to 320 million won in provincial areas.
It is allowed for single-home owners, such as moving or parent support, and up to 200 million won is available for lease loans. However, loans are restricted if you purchase more than 300 million won in overheated speculation zones.
In principle, both mortgage loans and jeonse loans are prohibited and do not comply with the requirements.
Limit of loans in overheated speculation zones Limit of loans in overheated speculation zones

Speculative overheated districts should meet the following requirements among areas where housing price growth is much higher than inflation. (Most areas are affected by the recent rise in prices in the Seoul metropolitan area because only housing prices have soared.)
1) If the competition rate for new supply housing in the target area exceeds 5:1 in the past two months,
2) Competition rate of subscription for less than 85 square meters of national housing exceeds 10:1
3) In case the price is expected to rise due to the lack of supply due to the recent sharp drop in approval of a housing project plan or construction permit performance;
4) There are so many resale houses that speculation is expected due to housing instability in the area and the development of new towns.
5) Where the sales plan decreases by more than 30% compared to the previous month;

Limit of loans in overheated speculation zones Limit of loans in overheated speculation zones

If it becomes a overheated speculation zone, the following loan regulations will be tied up. It prevents speculation in the area. Those who owe money to overheated speculation zones and buy houses should check it out.

  • If you own more than two houses, you will not receive a mortgage loan. LTV 0%
  • If you own a single house, you will not have a mortgage loan, but if you dispose of an existing house, or if a child without a house is separated, you will only get it from your parents.
  • If you buy a high-priced house with a market value of over 900 million won, you will not receive a mortgage loan except for the purpose of your actual residence.
  • If a household without a house moves in within a year of purchase, and a household with a single house moves in within a year of disposal and transfer of an existing house, 폰테크 the loan will be made as a real user.
  • Up to 40% for houses with 900 million won or less, 20% for houses with 900 million won or more, and 0% for houses with 1.5 billion won or less.
  • DTI, or 40% income ratio.

Checking the details of the year-end settlement of housing loans
Limit of loans in overheated speculation zones Limit of loans in overheated speculation zones

Additionally, there will be a resale restriction, which means that we will prevent them from buying and selling freely. It’s impossible to get and sell blood after you get the right to sell apartments. The ownership transfer registration takes up to five years. The resale restriction period will also be strengthened for houses subject to the ceiling on the sale price. It will be added 2 years more than non-speculation overheated zones.
Limit of loans in overheated speculation zones Limit of loans in overheated speculation zones

A) The theory of nesting
If the owners of apartments with an annual income of 70 million won to 100 million won or less (including one householder) purchase an apartment with an annual income of 600 million won or less, the loan limit can be 300 million won to 400 million won.
B) Stepping Stone Loan
The limit of loans can range from 200 million won to 260 million won if homeless householders with an annual income of less than 60 million won buy apartments with less than 500 million won.
Limit of loans in overheated speculation zones Limit of loans in overheated speculation zones

Today, we looked at various contents such as what an overheated speculation zone is and the limit of loans. You can see that stricter regulations are applied compared to the areas subject to adjustment.

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