케이뱅크 청년전세대출Last time, we looked at the first-tier banks for newlyweds’ jeonse deposit loans.
This time, we will summarize the conditions, limits, precautions, and required documents for the K-Bank jeonse deposit loan, which is currently being used by many people (especially young people). I hope it will be helpful for you when applying for a jeonse deposit loan.
Table of Contents
The K-Bank jeonse deposit loan is a product that simplifies the complicated jeonse deposit loan format as much as possible, allowing you to easily apply in just 2 minutes. It is a loan made through a certificate of guarantee from the Korea Housing Finance Corporation.
The lowest interest rate is 2.47% per annum, and eligible borrowers are office workers and business owners, and in the case of youth loans, young people under the age of 34. [Recommended articles to read together]
✔️Seoul & Gyeonggi-do Newlyweds’ Deposit Loan 2022
✔️2022 Busan Newlyweds’ Deposit Loan Support Target and Conditions
This product can be submitted easily with a certificate without complicated documents, and if additional documents are needed, you can take a picture and send it.
There are two types: Deposit Loan and Youth Deposit Loan, and the loan conditions for each product are as follows.
In the case of the Youth Deposit Loan, an important feature is that it is available to those with a short period of employment or no income, so please check that even young people in this situation can apply. 1. Original lease contract
2. Receipt of contract deposit with deposit of 5% or more
3. Resident registration copy, family relationship certificate, and marriage relationship certificate
– Proof of income / Health and long-term care insurance premium payment confirmation / Health insurance qualification confirmation / 4 major insurance subscription history confirmation
– Business registration certificate and income certificate
The loan limit varies depending on the jeonse loan and youth jeonse loan, and the details are as follows.
There is no early repayment fee for this product, and the loan period is 1 to 3 years, and the maturity lump sum repayment method is applied.
In the case of youth jeonse loans, extension is possible up to 10 years, and in the case of jeonse loans, please keep in mind that the extension period is not possible if you are over 39 years old as of the loan maturity date.
This product can be applied for from 1 month to 10 business days before the balance date on the lease agreement. Also, the housing scope that can be applied for is only buildings classified as housing according to the real estate register, including residential officetels.
In the metropolitan area, it is possible if the deposit is 700 million won or less / outside the metropolitan area, it is possible if the deposit is 500 million won or less.
If you apply like this, the loan review result will usually come out within 3 business days.
Please note that the review period may be longer if there are additional documents or supplements.
Lastly, in the case of married people, spouse consent is required to receive a K-Bank jeonse loan.
For spousal consent, please refer to the image below.
This is a summary of K-Bank jeonse loan.
If you want to find out the current K-Bank jeonse loan limit, please refer to the link below.
If you want more information on jeonse loan, you can read the reference article at the top to find out more information.
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