As a prerequisite, it had to be searched for about 50 million won on the Ministry of Land, Infrastructure and Transport’s website or KB market price, and it could be implemented as a house, apartment, villa multi-family, officetel, etc. It was possible to use it for 30 years with a temporary repayment of maturity and could be set as equal installment repayment of principal and interest. As the date of marriage approached, I didn’t know what to do, but I had no choice but to spend the rest of my time feeling that it would be an opportunity that was soon.I’ve been investing in subscriptions and deposit savings since the beginning, but unfortunately, I’ve never won a subscription. I put in a fixed amount every month and hoped that I’d succeed at some point, but I guess it was just hope in my case. I didn’t think in a hurry because I was young, but when I think about it now, I feel sorry.Moreover, if you are forced to take out a loan, you will have to worry. In my case, I also took out office worker loans several times due to financial difficulties, and as interest rates increased, I came to search for transfer loans. I visited the bank on my days off, but I couldn’t get as much limit as I needed. In order to save money on unnecessary spending, I reduced the amount of money I ate while increasing my time at home, but it wasn’t that successful, so my bank account balance was getting smaller. However, when I saw the insanely soaring apartment prices, I often felt like, “Is there any use in saving and living like this?”LTV 95% P2P interest rate for additional mortgage savings banks Not long ago, the Bank of Korea announced that it would stop raising interest rates, but the rising interest rates have caused a lot of damage. It was a countermeasure that had no choice but to curb inflation, but the economic situation was seriously problematic due to the lack of side effects. It rose seven times from the second half of last year to the beginning of this year. Even if it was frozen once, the CPI announcement shows that it is likely to rise to the first or second time. As the burden on interest rates increases, many people are hesitating because they are planning to pay rent on a monthly basis or do not know how to come up with measures after the contract is over.It was a busy daily life because I was planning to hold a wedding ceremony soon, but I couldn’t give up the lingering feelings of buying my own house, so I started looking everywhere. It would be good to enjoy a lease on a deposit basis, but I decided that it would be better to buy it considering the market margin. There are quite a few people around me who are thinking about buying it because there are many rumors that they will eventually turn upward even if it is difficult now. Compared to my peers in my working life, I was confident that I had saved a lot, but it was not enough to buy my own house. If it wasn’t a loan, the calculation would never come out, and it was a bit promising to find out the limit of additional mortgage loans for subordinated apartments. However, there was a lot of market price because the area not far from the company’s area is in high demand and the station is close, so it has the advantage of being close to direct employment.Even if I put my savings together, it was difficult to purchase apartments in good infrastructure, so I needed a mortgage. I had to give up countless candidates near the company, and I looked at the targets of the adjustment area and looked to see if there were any satisfactory houses. The bank implemented it at 40%, and even used the additional limit for second-tier mortgage loans, which was possible when I got a loan in the first place. It was a way that office workers, businesses, non-regular workers, unemployed, and housewives could receive it, but it was the best profit for businesses because the LTV 90-95% limit was implemented at the lowest interest rate. Fortunately, I was able to get it easily. It took about three to four days from reception to examination. There were times when I was worried about whether I could afford to buy a house at this time, but I decided boldly because I felt that I would miss this time if I waited for the low point. As a result, I can continue to live in one place without having to move, so I’m going to work on investment technology from now on.There is also a premium of 100 to 200 million won in new sales areas, so even if you apply for a loan, you may not be able to pay additional amounts due to DSR even if it becomes an LTV due to regulatory areas such as speculative areas and overheated speculation zones. However, there was a measure to use the additional limit for additional mortgage loans for subordinated apartments at the sales stage. As a result, it was of course encouraging to change the decision from jeonse to sales. To get an additional mortgage loan for an apartment house, you could get a home loan through a bank in advance and then receive it through a second financial institution if you needed additional expenses. It was possible to proceed up to 90% of the LTV compared to the market price, and it is also possible to apply a preferential limit depending on the presence or absence of credit score or income certification. However, since the limit interest rate is largely reflected in the region or market price, a comparative estimate had to be made.It is said that it is now possible to transfer low-interest rates to fixed interest rates, with various types such as special housing loans and additional mortgage loans for private businesses have emerged for the homeless. Even though sanctions such as DTI, LTV, and DSR are being implemented to correct excessive speculation, they are having adverse effects such as a reversal tax and a charter crisis. In our case, we were able to purchase apartments due to the additional limit on mortgage loans for subordinated apartments. We checked Yongin, Siheung, Seongnam, unregulated areas, and overheated speculation zones in Gyeonggi Province and the metropolitan area, and there were quite a few areas where the limit on subordinated apartment mortgage loans was regulated. There was a need for additional implementation. I think people who go to look for houses will probably agree.
