Additional mortgage loans for apartments, mortgage units, financial capital, savings banks, LTV 99% limit added

My worries grew as the landlord, who had lived in Jeonse for a long time, informed me of the termination of the contract. I was wondering if I should sign a lease with a lease somewhere else. A little while ago, interest rates would have risen considerably, so I would have been looking for a place worth signing a monthly rent contract with Jeonse without questioning. But now it’s frozen in its own way, and in the second half of the year, it’s going to drop a little, so I thought it would be good to have hope. That’s why I’m planning to get an additional mortgage on my apartment for the remaining amount considering Bogeumjari Loan.

If only my husband and I were there, we would have thought of saving more money and living on rent, even though we didn’t have a foundation yet. However, since I am in a position with children, I have come to think that I am anxious every time I continue to live a life where my residential area is not constant. In addition, it is limited because the child is in a position to go to school and move around the school, so I am worried that the child might be stared at by other children. So we save money to live in an apartment, but when I saw the article that the price went up and you couldn’t get a single apartment in Seoul even if you saved it for the rest of your life, my motivation really dropped. So I really wanted to give up, but I thought it should be this time, so I looked into it.

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Reasons for choosing Second Finance to receive support

At this rate, there was an appropriate property not far from the company or the children’s school. It is not in the station area right now, but it was worth enough in terms of future development favorable factors. I could see that it was literally an area facing upward to the right. So I couldn’t see it as a premium area right now, but it was also an area where prices were gradually rising. Later, it was judged that it would be difficult to buy at this selling price, so I decided to buy it, but I couldn’t buy it with the money I had collected so far. Nevertheless, it is only possible to exceed the contract fee a little, and we decided to take out the remaining part of the Bogeumjari loan and proceed with the additional mortgage loan of the apartment. When I think about it again, I wonder how I could have bought it without this method.

I had already received various loans necessary for living expenses, so I couldn’t get enough of them even though it was 40% DSR limit. However, I couldn’t help but spend my living expenses before that, so I sighed. I was wondering how I should take out a credit loan for the rest, but when I looked around, they actively recommended that there is a way to take out additional mortgage loans for apartments. Until now, I only knew how to make loans by credit, so I was not used to seeing if there was such a way. However, there were so many different ways than I thought, and there were so many companies that I couldn’t find out by myself. I sold magic tricks with my husband, but neither of them had anything to do with the financial side at all, so I was confused and ended up getting help from an expert.

If you look at the contents of each application

When it came to conducting the second financial business, we were able to consider mutual banks, capital and savings banks. Mutual Bank said that we talk about the lowest interest rate among places such as Saemaeul Bank, Credit Cooperatives, Suhyup, and Nonghyup, which are common in the market, but at the same time, we can check the limit of about 80%. Capital can be considered to be the intermediate level between mutual finance and savings banks, and savings banks had the advantage of having the highest limit, but instead being somewhat easier to review. However, the fact that the screening is easy means that interest rates can also be applied at such a high level, so it is good to understand that the advantages and disadvantages are clear and approach them. However, he said it is not good to approach this part with prejudice just because the limit is low and interest rates are high.

Because preferential conditions also follow relaxed standards

The minimum requirement for applying additional mortgage loans to apartments in Second Finance was that the sale price of guarantees should have been at least 50 million won. This is not the limit that individuals call, but the KB market price and the objective value seen by the Ministry of Land, Infrastructure and Transport. I was also looking into next week’s credit rating. There was no restriction on the type of job, instead of the standard of up to grade 8. And it was good to refer to this part because it is possible to make loans to all houses. Applying these relaxed criteria meant that preferential conditions also exist in many ways.

In fact, just being able to submit income and sales certificates can provide considerable benefits, so I said it would be good to refer to this part and get help. Also, depending on the brand of each apartment, the value may vary slightly, so it would have been better to understand this part. I also understood the parts and infrastructure of low and high floors, and royal buildings. If there is a problem with redemption, I said it is an important part because it has to be directly valued at the time of compulsory execution.

How do I increase my LTV limit to 99%

I didn’t proceed separately, but if you want to raise the limit from LTV 90 to 99%, you can consider it as a business limit. I told you that most DSR regulations apply to household funds. Business funds are not applied separately, so there will be no difficulties. Therefore, if you are facing difficulties due to the limit, you can solve them through this. Even if you haven’t maintained your sales certificate for a long time, it’s good to consult with an expert because some financial companies can do it immediately.I didn’t proceed separately, but if you want to raise the limit from LTV 90 to 99%, you can consider it as a business limit. I told you that most DSR regulations apply to household funds. Business funds are not applied separately, so there will be no difficulties. Therefore, if you are facing difficulties due to the limit, you can solve them through this. Even if you haven’t maintained your sales certificate for a long time, it’s good to consult with an expert because some financial companies can do it immediately.Previous image Next imagePrevious image Next imagePrevious image Next image