Small and medium-sized enterprises’ lease loans refer to monthly rent deposits operated by the Housing City Fund to support housing stability for young people working in small and medium-sized enterprises.Unlike jeonse loans that can be received at commercial banks, the loan rate is 1.2% per year, so it is unconditionally beneficial to receive them if you can.
Tips for Small and Medium Business Youth Jeonse Loan
Loans are made at 100% and 80% of the housing lease price.100% of the items have to be approved by the landlord, so it’s usually hard to do.The one that is relatively easy to do is 80%.This should also be done after consultation with the landlord.
ex) When I was looking for a lease, I went to the real estate office and asked for a lease on a deposit basis for young people in small and medium-sized enterprises.I have to proceed with something without a loan.If you have, you have to make a special agreement to repay the loan with my lease money you received at the time of the contract.A loan is a lease loan while the landlord’s debt and the landlord’s debt remain the same, and if the landlord fails and the house is auctioned off, the landlord’s debt is ahead of my lease deposit, so I will not receive the deposit I have to receive.
ex) In the order of order, go to the real estate office, find the available items from the Small and Medium Business Administration, and call the bank in advance for the basic paperwork (the bank branch you want to visit) and ask for the necessary paperwork.Each bank has a different form required) and asks if it is possible to execute the loan, and then you make a down payment (5-10%) and take the contract with you and the bank examines it. It is impossible to cancel without any special reason after making a deposit, so you have to thoroughly check beforehand.According to the Internet, when signing a contract, it is said that “If the lease loan for young people at small and medium-sized companies is not executed due to a special contract, this contract will be invalid,” but the response varies from landlord to landlord, so it is safest to go to various real estate sites.There are as many people who do real estate as they go around, and the current real estate atmosphere is on the decline, so I think it will be possible if you find it well.
ex) If the lease price is 120 million won, it will cost 96 million won, which is 80% of the amount, so if you raise 24 million won, you can lease it.You can use the money you saved and credit loans to enter.
ex) If the lease amount is 200 million 500 million won, it is not acceptable. In this case, it is necessary to look for a completely different lease loan. HF lease loan, HUG lease loan, SGI lease loan, etc.
advantages of small and medium-sized enterprise youth lease loans
The advantage is that the interest rate is 1.2% per year, so you can buy it at a very low price.Even if you take out a loan of 100 million won, you can use 100 million won per month for 100 million won*1.2 percent, which is 1,200,000 won per month if you divide this amount by December.Currently, interest rates have risen, so you see a lot of monthly rent sales, and if you can use this loan, you can save money and buy it.
Conditions for Jeonse Loan for Young People in Small and Medium Businesses
homeless householder
employment at a small and medium-sized enterprise
19 to 34 years of age (However, military service personnel can be up to 39 years of age depending on their military service period)
Annual income of 35 million won or less (but not more than 50 million won for the sum of couples)
net worth less than 325 million won
Even if you are not in office, you can apply based on this if you have profits such as part-time jobs.Only an annual income of 35 million won or less can be applied, and if you apply and get approval, you can extend it if you have the same object (the current item you rented) even if your income has risen during the extension.If you marry after the execution of the lease loan, there may be a situation in which your spouse has to be changed to the head of the household, and even in this case, it is possible to extend it if the person you live with is the head of the household.My wife applied for it and I changed it to a householder once to put in a subscription.At that time, I inquired with the bank, and they said that there would be no problem with the extension even if I changed the head of the household.
loanable housing
It can be implemented if the dedicated area is less than 85�� and the lease deposit is less than 200 million won.Houses that exceed this are not available for loans.If the larger size or deposit exceeds 200 million won, you should use HF lease loan, HUG lease loan, and SGI lease loan.
small and medium-sized enterprise youth charter bank
Woori Bank 1599-0800
Kookmin Bank 1599-1771
IBK Industrial Bank of Korea 1566-2566
NH Nonghyup 1588-2100
Shinhan Bank 1599-8000
Please visit the nearby banks and inquire whether the sale (the sale I saw) is possible to lease loans to small and medium-sized companies.In addition, even if one bank branch does not accept it, it may be possible when you go to another branch and ask, so please try selling the product (such as the limit of the bank concerned).
necessary documents
copy of resident registration
certificate of health insurance eligibility
income proof documents (e.g., source of income)
Proof of employment
copy of a fixed date lease agreement
The basic documents are the same as above, but the documents required during the process are different for each bank branch you visit, so please contact the person in charge and proceed at once.If you read the reviews on the Internet and prepare them as they are, it may be inconvenient to ask for other documents and visit them several times.
