Lowest interest rate, that’s a simple way to avoid that
As liquidity increased and interest rates fell, funds began to flock to real estate and stocks.So financial authorities are trying to put a brake on high-value credit loans.I made a statement to the effect that repayment methods are not allowed for credit loans over a certain amount.It is good to prevent risks, but there are […]

As liquidity increased and interest rates fell, funds began to flock to real estate and stocks.

So financial authorities are trying to put a brake on high-value credit loans.

I made a statement to the effect that repayment methods are not allowed for credit loans over a certain amount.

It is good to prevent risks, but there are also many views that excessive regulations are being imposed on the financial sector.

Already, the most regulated mortgage loans have been made, ranging from LTV restrictions on overheated speculation zones or restricted areas in regulated areas to unregulated areas.

Let's find out how seniority and dependency are calculated, and how to check the limits and compare interest rates.


Korea could not avoid the global economic downturn caused by Corona.

Everyone will be willing to invest in low interest rates and use loans to build their 비대면폰테크 own homes.

In particular, if fixed-rate products are used at the lowest interest rate, it is burdensome even if the benchmark interest rate rises for at least three to five years.

Many people have been running the job because they can benefit from it.

However, housing prices began to soar as the symptoms of regulated areas and lease laws were twisted and twisted.

This is the present where homeless people suffer rather.


When I get a loan, the highest priority is whether I can get as much money as I can.

If you need 50 million won, but you don't have to pay back your debts.

Calculating the maximum amount is simple.

The limit is calculated by multiplying the apartment price by LTV and deducting the set amount on the registration table.


For example,

If the apartment price is 500 million won and the principal of the senior loan is 200 million won, the registered amount will be 240 million won.

Now you need to know your local LTV to see the maximum amount of subordinate mortgage loans.

If it is a regulated area, it will multiply by 30 to 50%, and if it is a regulated area, it will multiply by 70%.

Non-regulated areas will cost 350 million won, adjusted areas 250 million won, and overheated speculation zones will cost up to 200 million won.

Except for the amount set within the maximum limit, the remaining amount would be the available amount of the subsidiary mortgage.

Non-regulated areas are 110 million won for adjustment areas and 10 million won for overheated speculation zones.


As above, the limit on subordinated mortgage loans is often insufficient in regulated areas.

Unlike secondary mortgage loans, senior transfers are calculated excluding principal, not the fixed amount.

In the previous example, the difference between the principal standard and the set amount is about 40 million won, so the limit is about 40 million won.

Many cases use this to transfer seniority to secure additional funds.

In addition, there are many changes depending on the conditions of customers who are financial consumers.

Financial firms used when homeless or multi-tenant are banks, capital, lenders, mortgage loans, etc.

The key is to select financial companies that respond to various variables and select and utilize profitable products.


In short, housing prices in Pohang have plummeted since the last Pohang earthquake.

The auction fell sharply, and the local economy fell, causing housing value to fall too low as collateral.

In the Pohang area, each financial company had a restriction on mortgage loans.

Financial firms are moving very quickly with local issues and changes.

the maximum amount of plating in accordance with the Government Standards described above;

Realistically, the government should think that it can change according to the conditions and limitations of financial institutions

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