Papago There are many requirements, including those who need a rate cut or confirm the limit and need additional loans, to use the mortgage transfer. So today, I'm going to learn about how to use Judam University transfer wisely and how to pay attention.
Basically, in the era of low interest rates, it is natural for more users to use loan products than receiving products.
The most representative loan products, or loan products, are mortgage loans and employee credit loans.
There's been a lot of movement to lower interest rates or get additional loans by transferring mortgage loans to a mortgage loan.
The first thing you need to check in the transfer of a mortgage loan is whether the prepayment fee is incurred on the loan I have.
Except for a small number of loan products, most loan products have prepayment fees.
The main fence is usually set for about three years.
It's a sliding method, a cascade, depending on the repayment period.
So if there's a prepayment fee left to transfer to reduce interest rates,
We need to carefully calculate the benefits of interest rate differences and losses from prepayment fees.
Next, if you're in need of funds and you want to get extra money by transferring,
Before I transfer, I need to check how much is the maximum LTV I can get.
There's nothing wrong with business loans available to self-employed and small business owners.
It's a financial instrument outside of government regulations, so LTV's set by financial firms.
But when you get your household money, you're not going to be in an overheated speculation zone or a controlled area.
Most people calculate 70% of the market price and talk about the expected amount of the loan.
However, when I ask financial companies, the results are often different.
Local issues and real estate conditions not only in the transfer of a parking lot but also in the general parking lot;
And the criteria for each financial company are different depending on the type and size of the house.
Let me give you a simple example that's easy to understand.
There are cases where LTV is different when you use a 30-pyeong villa as collateral in Ulsan and a similar flat apartment as collateral.
The apartment is 70%, the maximum LTV.
There are 60 percent of villas.
Villa in Gyeongju has 60 percent LTV.
Yeosu's villa is 70%, or 30 pyeong's villa is 70%,
Sometimes a 50-pyeong villa is 60%.
This is a number that varies depending on the details, so you need to check it carefully.
Additional information to check is about interest rate discounts.
When you sign up for one product or another, you don't write down how much discount is applied and how much is the total discount as a minimum of 2.1%.
Let's just say it's a 2.1% minimum, and we have to calculate interest by considering the assets that are actually consumed to get the lowest interest rate.
This time again, let me give you a simple example.
When the monthly credit card usage is more 폰테크 than 3 million won, the discount of 0.3% is applied.
If the credit card I usually use is the card and the amount used is about 3 million won, there is no problem.
If you are using another card and the amount of money spent is small, you should think about the cost you have to spend for interest rate discounts.
The same goes for moving payroll accounts.
You have to give up the benefits you get from where you had your pay account and carefully examine whether it's worth the interest rate discount.
There is a great advantage in terms of limitation when using the parking lot transfer to secure additional funds.