From the end of this month, before paying the balance of the Jeonse price, at the top 5 commercial banks, only the amount of the Jeonse price increase can be received.
KB Kookmin, Shinhan, Hana, Woori, and NH Nonghyup officials in charge of loans at the five major banks held an informal meeting last week to discuss how to manage the leasehold loan.
First of all, banks have decided to operate the loan limit within the range of the increase in the Jeonse value in the case of the Jeonse fund loan following the renewal of the Jeonse contract. This type of regulation was first initiated by KB Kookmin Bank on the 29th of last month, and Hana Bank is also applying the same regulation from the 15th of this month.
In the future, loans for Jeonse funds will be possible only before the payment date of the remaining balance in the lease agreement. Until now, you could borrow money from other places and get a loan for Jeonse funds within 3 months after you moved in after paying the Jeonse price.
In addition, a person who owns a house cannot get a Jeonse loan through an app or other non-face-to-face method, and must apply at a bank window and pass the screening.
Although the financial authorities decided to remove the Jeonse loan from the total amount of household loans in order to protect end users, it is a measure to strengthen the regulation on the remaining Jeonse loan that is suspected to be not in real demand or that is likely to be used for other purposes, such as investment. interpreted.
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