주거안정월세대출On December 1, the Public Communication Office of the Ministry of Culture, Sports and Tourism introduced a housing stability monthly rent loan system exclusively for youth, citing data from the Housing and Urban Fund.
In the monthly rent loan system, preferential treatment includes those preparing for employment, Hope Growth Account subscribers, recipients of work incentives, those just starting out in society, recipients of child incentives, and recipients of housing benefits.
The general type is for couples with a combined annual income of 50 million won or less and does not fall under the preferential type. The combined net asset value of the couple is 361 million won or less. The loan can be applied for within the rental contract expiration date.
The target house is a house that meets all the requirements: a rental area of 85 m2 or less, a deposit of 100 million won or less, and a monthly rent of 600,000 won or less. Loan limit is up to 9.6 million won (within 400,000 won per month), loan interest rate is 1.3% per year (preferred type), 1.8% per year (general type), loan period is 2 years (extendable 4 times, maximum 10 years available), repayment The method is a lump sum repayment, and there is no early repayment fee. The collateral is a jeonse loan guarantee from the Korea Housing Finance Corporation, and the cost borne by the customer is stamp duty and a guarantee fee when handling the guarantee as collateral.
Consultations related to loan screening can be made at the call center number below and the fund trustee bank, and consultations related to asset screening can be made by calling the number provided during the process or the Korea Housing and Urban Guarantee Corporation call center at 1566-9009.
The banks handling the business are Woori Bank (1599-0800), Shinhan Bank (1599-8000), KB Kookmin Bank (1599-1771), NH Nonghyup Bank (1588-2100), and KEB Hana Bank (1599-1111).
