중소기업 청년 전세자금대출 조건Lucy’s Dad’s Real Estate Travel Blog
Let’s take a look at the Small and Medium Business Administration’s jeonse loan, which provides low-interest loans for jeonse deposits to young people employed at small and medium-sized businesses. This is an ultra-low-interest jeonse deposit loan that can be applied for only until December 31, 2023, so if you meet the conditions, be sure to apply during the remaining two months.
As of November 2023, assuming a loan of 100 million won in jeonse funds, the lowest interest rate is found to be 3.66%. Based on repayment at maturity, you have to pay 305,000 won per month in interest.
If you receive a monthly salary and lose about 300,000 won just in interest on the deposit loan, it can be a huge burden.
If you can get a jeonse loan from the Small and Medium Business Administration, which provides a jeonse loan at an annual interest rate of 1.5% to young people employed in small and medium-sized businesses, the loan interest (125,000 won per month) will be reduced by more than half.
Now, let us summarize the targets, conditions, interest rates, limits, etc. of the Small and Medium Business Administration Jeonse Loan, which is one of the Housing and Urban Fund loans.
First, you can apply for a lease loan from the Small and Medium Business Administration.
In the case of assets, please refer to the Housing and Urban Fund asset screening guide [direct link] to check whether you are eligible to apply for a lease loan from the Small and Medium Business Administration.
Next, there are several conditions for a lease loan from the Small and Medium Business Administration.
First, in the case of medium-term fund loans, duplicate loans are prohibited. As shown below, if you are already using a housing and urban fund loan, a bank-funded jeonse loan, or a housing mortgage loan, you cannot take out a mid-fund jeonse loan.
Small and Medium Business Administration Jeonse Loan Duplicate Loan Prohibited Items
In addition, houses eligible for a mid-term deposit loan must be houses (including residential officetels) with an exclusive area of 85㎡ or less with a rental deposit of 200 million won or less, and applications can be made within 3 months from the date of payment of the balance in the lease agreement or the date of moving in, whichever comes first. (When renewing the contract, apply within 3 months of the renewal date)
However, if the deposit for a lease is 200 million won, not all 200 million won will be loaned. Let’s take a look at the Small and Medium Business Administration’s jeonse loan limits and interest rates.
As mentioned above, the Small and Medium Business Administration’s jeonse loan interest rate is 1.5% per year.
This applies for the first 2 years, and upon extension (4 extensions, up to 10 years), the 1.5% interest rate can continue to be applied as long as the eligibility conditions mentioned above are maintained. After using for a maximum of 10 years, 2 years are added for each minor child at the time of extension, up to a maximum of 20 years.
However, if the loan conditions are not met when extending the loan, the base interest rate (1.8% to 2.7%) of the support deposit loan will be applied.
The loan limit is 100 million won, and may vary depending on the deposit for the house you wish to sign and the type of guarantee.
Let me explain it a little easier with an example.
If you are renting out a house with a deposit of 80 million won, the mid-term deposit loan limit is 100 million won, but of course you can only borrow up to the deposit of 80 million won. This isn’t difficult.
The following may vary depending on the type of guarantee, which means that the loan guarantor is guarantoring the debt in case the person who made the loan is unable to repay the loan, and the place where the guarantor is guarantoring the debt is different. It is divided into a deposit safe loan guarantee (HUG) and a deposit deposit guarantee (HF), and there are differences in the loan limit depending on each guarantee institution.
Now, let’s check out the differences between warranty types.
Those who wish to receive a lease loan from the Small and Medium Business Administration with a HUG guarantee require the consent of the landlord, so when looking for a house to rent, it is necessary to check with a licensed real estate agent in advance whether the house is eligible for a lease loan from the Small and Medium Business Administration.
In fact, if the rental deposit exceeds 100 million won, it is sufficient to receive an HF guarantee. This is because the loan limit is 100 million won.
The Small and Medium Business Administration’s jeonse loan is a policy fund loan using the Housing and Urban Fund, and the loan business is entrusted to 7 commercial banks as shown in the photo below.
Small and Medium Business Administration-Jeonse Loan-Application-Method
You can visit any bank branch to check whether you can get a loan, but don’t hesitate and take the documents with you in advance.
The Small and Medium Business Administration’s jeonse loan consultation documents are as follows.
If you are eligible for a lease loan from the Small and Medium Business Administration, you can visit the bank with a copy of the lease agreement and a certificate of all registration details of the leased house. In the case of personally prepared documents, we have provided links to websites (Government 24, etc.) where documents can be issued through hyperlinks.
We have written information about the Small and Medium Business Administration’s jeonse loan, which provides loans of up to 100 million won for jeonse deposits at a low interest rate of 1.5% per year. We are accepting applications until 2023, so if you meet the conditions, please apply quickly to avoid the burden of loan interest.
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