In addition, there is a product called a credit loan with insufficient balance that can only be used for home sales, so if you don’t have enough money on hand, you can think about it. In the case of subordinated mortgage loans, there are alternatives that financial companies and insurance companies on the market implement and receive additional mortgage loans, so I recommend you to look carefully.As a result, more and more tenants are worried that it would be better to buy a house at this time if the government’s regulations on the no-set housing theory have been lifted and the lease on a deposit basis or monthly rent contract period is ending in order to prevent excessive stagnation in real estate. However, the loan product that did not change much from the beginning is the no-set housing theory. Since it is not included in household loans, it is not subject to the DSR regulation at the borrower’s level, and there is no regulation on the maximum LTV, so the loan item is not subject to the loan itemCurrently, even if you simply ask for a Kakaotalk consultation, the interest rate comparison service that allows you to immediately check the financial loan that suits your qualifications has increased, so you can check the limit amount and interest rate of the mortgage loan that you can receive with your requirements. I think I would like to recommend that it does not affect your credit rating because you can check it only by making a household inquiry. Don’t think that you are afraid and tired of financial loans from housing purchase funds to business loans, but feel free to talk to the bank employees and check them out.The U.S. interest rate hike, which has continued since mid-year, continues as the COVID-19 crisis overlaps with the economic recession, rising liquidity to solve the situation, and inflation caused by the war. Of course, Korea is also undergoing a series of rate hikes, and household debt is also increasing as housing prices, which had risen sharply due to increased liquidity, are on the decline.Even if you take into account all the conditions mentioned earlier, it’s really difficult for you to look at the requirements of the bank and decide on the items according to your situation. If you go to each financial institution and talk at the loan window for a long time, you can be confused about which financial institution’s financial product was.LTV and DTI are determined by the status of the financial company you handle. You can also find banks up to 95% of LTVs. I use DTI rather than DSR, but the step of verifying profits has not changed. Since the income verification process can also be used not only for reported or recognized income, but also for estimated income, individual businesses that report reduced profits due to tax problems have no disadvantage in receiving business mortgage loans if it is an estimated income method. This unsettled housing theory is being sold by savings banks of two financial companies. It is said that regulations on household loans such as life stabilization loans and purchase loans are being lifted. The ones that include a large part of them are jeonse eviction loans and jeonse deposit return loans. It was one of the products with quite strict conditions as it was included in the living stabilization loans that have been reflected in many regulations so far. It would be helpful for those with many houses to be able to implement it as long as the DSR applies, and if the limit is insufficient, it would be helpful to know how to prepare additional measures such as subordinated mortgage loans or apartment loans.
