Special loan for newborns
Acquisition tax reduction, etc
2024 Maternity Benefits Elusive
Among the 2024 maternity benefits
I’m going to focus on the real estate side.
Special loan for newborns, special loan for newborns, and
That is the reduction in neonatal acquisition tax.
What are the benefits
Let’s take a look together from now on!
Maternity benefits for 2024 1.
a special loan for newborns
A homeless family who gave birth within two years 
Lending up to 500 million won at the lowest annual interest rate of 1.6%
There is a special loan for newborns.
It has already applied for 4 trillion won within 40 days of the establishment
I heard it’s very popular, jasminevista.com
He’s not going to do that at a very low interest rate
This is because it is possible to borrow money or exchange money.
If I meet the conditions
I think I would have used it right away.
1) Jeonse funds: Special support loans for newborns
2) Home Purchase Fund: Special Stepstone Loan for Newborns
a home loan
(Loan for Special Steps for Newborns)
a lease loan
(Loan for Special Support for Newborns)
a target house
85㎡ or less in the metropolitan area and 100㎡ or less in the non-metropolitan area
Mortgage valuation of less than 900 million won
85㎡ or less in the metropolitan area and 100㎡ or less in the non-metropolitan area
Mortgage valuation of less than 500 million won
limit
up to 500 million won
(LTV 70%; First: LTV 80%; DTI within 60%)
up to 300 million won
interest rate
1.6% to 3.3% per annum (support for 5 years)
1.1% to 3.0% per annum (4-year support)
Period
10, 15, 20, 30 years
Repayment at the end of the lease term
(Loan maturity can be extended 5 times)
income conditions
Couples’ combined annual income of less than KRW 130 million
Net assets of KRW 469 billion or less
Couples’ combined annual income of less than KRW 130 million
Net assets of KRW 3.45 billion or less
Qualifications
Homeless householder, 1 house (reimbursable loan)
Childbirth within 2 years as of the date of application for a loan
(born after 2023.1.1)
a homeless householder
Childbirth within 2 years as of the date of application for a loan
(born after 2023.1.1)
conditions of substitution
for the purpose of raising funds for the purchase of a house
Replacement of the standard main charge is possible
From the commencement date (or renewal date) of the charter contract
Reimbursable for existing lease loans within 3 months
Special loans for newborns are
From the Housing and Urban Fund’s Web site fund e or e or e or e
You can apply for it online, too
Please refer to that!
▶ Link to the website whether it’s fund e or not
2024 maternity benefits 2.
a special mission for newborn babies
with children born in less than two years
In public housing for households
The special and priority supply system for newborn babies
It will take effect today (3/25).
According to a press release released on March 24,
The eligibility for special offers for newborns is
It doesn’t matter if you’re married or not
Children born within two years as of the date of the recruitment of tenants
For households with (including pregnancy and adoption)
You can apply for a special job for newborns.
Also, if you have children when you subscribe to public housing
(Child born after 23.3.28)
up to 20% added income and asset requirements
There will also be new benefits that can be applied.
Also, in the meantime, newlyweds are getting married
Due to the disadvantage of housing subscription,
Some families don’t register their marriage until they give birth
There was quite a lot, but now you don’t have to do that.
From now on, when calculating the additional points for apartment subscriptions
Add up your spouse’s subscription account retention period
You can get up to 3 extra points
This is because it is possible for couples to apply for overlapping subscriptions.
Moreover, income conditions will be eased
Is it worth taking part in the special mission now?
Maternity benefits for 2024.
a reduction in neonatal acquisition tax
For 2 years from 2024.1.1 to 2025.12.31
For households that gave birth to a newborn baby,
Real estate acquisition tax for the first time,
Up to 5 million won
It refers to a tax support system that provides 100% reduction.
The acquisition tax that you have to pay when you buy real estate is
Depending on the price of the house, the number of houses you own, the area, etc
It can be imposed in various ways,
Up to 5 million won
It is a very useful benefit to be able to get a reduction.
Under the conditions of the neonatal acquisition tax reduction
The corresponding households are as follows.
Within the past one year and the next five years from the date of birth
With the intention of actually living with the child who gave birth for at least three years
Where a house worth less than 1.2 billion won is purchased
(Only one householder can receive benefits),
There are no restrictions on income.
The policy is expected to be implemented in the second half of this year,
The official application method is still before the announcement.
However, the existing first-ever housing acquisition tax reduction system and
It is expected to proceed in a similar way.
** A document confirming one homeless household,
In addition to the first-time purchase confirmation document
Don’t you need a child birth confirmation document?
So far, out of the 2024 maternity benefits
Special loans for newborns in the real estate sector,
Newborn specialization and reduction of acquisition tax
I tried my best.
If you’re planning to give birth, check it out
I hope you can take advantage of the benefits,
If there’s a new update
I will quickly share it with you.