중소기업 청년 전세자금대출 조건You can still receive jeonse loan support from the Small and Medium Business Administration in 2024. Let’s learn about the monthly rent deposit loan for young people working in small and medium-sized businesses, a loan product that young people working in small and medium-sized businesses who want to live at a low interest rate of 1.5% should receive if they can.
The qualifications for applying for a monthly rent deposit loan for young people employed by small and medium-sized businesses are as follows.
A house eligible for a monthly rent deposit loan for young people employed by small and medium-sized businesses must meet the following conditions to be eligible for a loan.
Houses can be used for apartments, townhouses, multi-family houses, single-family houses, residential officetels, and urban living houses.
Loans are not available for non-residential spaces such as gosiwons, lodging establishments, entertainment establishments, offices, factories, and neighborhood facilities. In other words, you can think of it as only being permitted for residential use.
The limit for monthly rent deposit loans for young people employed at small and medium-sized businesses is 100 million won.
Loan ratios are 100% and 80%. These are commonly referred to as Small and Medium Business Administration 100 and Small and Medium Business Administration 80.
When receiving a loan from the Small and Medium Business Administration 100, if the deposit is 100 million won for a house, the interest rate per year is 100 million * 1.5%, or 1.5 million won.
If you convert this into monthly rent, it’s 1.5 million won/12 months, which means you only have to pay 125,000 won per month, so it’s a disaster, right? Of course, most houses have maintenance fees of around 50,000 to 100,000 won. Nevertheless, since the monthly housing cost is only 150,000 to 200,000 won, it is a good condition to live in a decent house with low housing costs.
Request a lease loan from the Small and Medium Business Administration to a real estate agent at the office of the real estate agent that signed the contract for the house.
There are two ways to find out if you are eligible for a lease loan from the Small and Medium Business Administration.
Small and Medium Business Administration jeonse loans are divided into qualification screening, preliminary asset screening, preliminary asset screening, and post-asset screening. The preliminary examination, which many people know, refers to the stage before post-assessment examination. To check your eligibility for the Small and Medium Business Administration’s jeonse loan review, you can check whether you can take out a loan directly by visiting the Fund e-Deutun website or downloading the app.
You can apply for a loan by logging in with your public certificate at Fund e-Deunden. If “eligible” appears during the qualification screening and preliminary asset screening stages, you can continue to proceed with the Small and Medium Business Administration loan. Even if you press the loan cancellation button to stop the process, there is no problem in receiving the loan, so you can easily check it directly.
It is also a good idea to visit the bank in person and receive consultation. This is because you can ask detailed questions about matters related to the Small and Medium Business Administration’s jeonse loan, and you can also receive detailed consultation from staff about any aspects you missed. If the bank performs a pre-qualification process directly, it will take about 3 to 5 days. When the bank’s business is too busy, a bank employee may recommend that you proceed with the loan directly from Fund e-Deunden. Consultation on this matter can be obtained from the banks below.
Once you have confirmed with your bank or fund e-deunden whether you can take out a small and medium-sized enterprise lease loan, it is now time to search for houses in the area where you want to live. Visit a real estate agent’s office near the area where you want to live and inquire whether there are any properties for sale that may meet the Small and Medium Business Administration’s jeonse loan conditions.
When searching online, we recommend using Naver Real Estate. Other real estate platforms have many false listings due to the nature of their apps.
In addition, those who wish to purchase a property that falls under Small and Medium Business Administration 100 among the Small and Medium Business Administration jeonse loans may have to put in a lot of effort as the contract requirements for the corresponding property are quite strict and not many.
When you find a property you want, deposit at least 5% of the deposit as a down payment and sign a contract. In this case, since you may be judged ineligible in a later follow-up review, it is advantageous to include a special contract for the return of the down payment that states, “If the loan is not possible, the entire down payment will be refunded.” But unfortunately, many landlords may be reluctant to enter into special contracts.
If you have signed a contract through a licensed real estate agent office, visit the bank and submit documents related to the lease loan to the Small and Medium Business Administration to proceed with the loan. It is recommended that the confirmation date be made immediately on the contract date to protect your rights. The confirmation date can be confirmed at the community center in charge of the address of the house where the contract will be made.
You can prepare a contract, a copy of the lease (lease) contract with a fixed date, and all the documents described above for review at the bank you consulted with.
On the move-in date, the bank deposits the balance into the landlord’s account. Now, visit your local community center and complete the move-in notification.
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