Let’s find out why LTV was 95% important even in savings banks’ subordinated apartment mortgage dsr regulationsWhen purchasing a house, everyone borrows some of the purchase funds from the financial sector, but I think it is more essential than an option these days. Unless real estate is given or inherited, it is not normal for ordinary office workers to raise money and prepare a house with cash. However, in the case of mortgage loans, government support is applied, so if you are a homeless person and do not fall under only the reason for disqualification, stepping stones or bogeumjari loans were approved by the fund. This may also vary from borrower to borrower, but there seems to be no significant restriction unless public information is registered due to credit recovery. However, it is a problem to receive additional funds after that, and I would like to tell you about the savings bank’s subordinated apartment mortgage.When I tried to borrow, I wasn’t too worried about receiving 70% of the purchase funds for the first time in my life from a homeless person. This is because most of the special Bogeumjari loans passed before the budget was exhausted as long as they met the requirements. However, it was a situation where the balance could only be paid after receiving an additional subordinate ranking, and how to collect such large funds became a challenge. When I looked into subordinated apartment mortgage loans at savings banks, I learned that LTV and DTI are limited to the limit. Of course, there are effects of DSR, but two things played an important role in the limiting stage.LTV is a mortgage recognition ratio, but it is limited to 40% to 70% per item. We talked about what percentage of the market price can be received, but the market price also reflected KB real estate, appraisal value, and NTS standard market price, not the standard I looked up. DTI means the total debt repayment ratio, which is also limited to the same percentage as LTV. We talk about how much the repayment is to annual income, and DSR is the overall repayment capacity ratio. The higher the income, the higher the amount that can be borrowed, and the lower the amount, the more restricted it was by 40%, which lowered the possibility of a loan limit in many ways due to these regulations.At first, I tried to get a subordinated apartment mortgage from an additional savings bank from the people who are using it as the main transaction. However, if the above three regulations were delivered and implemented, interest rate benefits would have been obtained, but it was too much to actually accommodate the limit I wanted. It has been found that most subordinated products are used when housing balance processing or transferring existing mortgage loans, but the second financial sector has no difficulty in implementing loans due to lack of regulations.However, interest rates were higher in the second place than in the first place. In general, the high price ranges from 1% to 2%, but this also showed a difference of more than 7% because different standards were applied to each financial company. However, the player’s committee has 60% LTV settings and 70% if you don’t own a house, but the transactions I made additionally were possible from 80% to 95% on average. Assuming that the housing market price is easily 100 million won, an additional 90 million won could have been secured. However, when proceeding, you should not only look at LTVs but also pay attention to DSR. Commercial banks account for 40% of the DSR, while financial companies account for 50%. Nevertheless, if you have no income or your annual salary is very low, you can proceed lower than the average LTV application rate.Also, what I felt while looking at products that were not DSR-applied was that unlike household funds limited by recognized income or earned income, the lack of regulations was that the basic interest rate was large. It was time for businesses to run LTVs up to 95%, but most of these products had an initial interest rate of 6%. Referring to the average calculation criteria, it was carried out to 13.6%, and if the credit rating was too low, it reached 19%. So I didn’t know which product to choose and review, so I asked experts for advice and cooperation, efficiently compared several financial companies, prepared documents, and reviewed them.The additional savings bank’s subordinate apartment mortgage loans were handled by commercial banks by secondary finance, P2P and loans, so there were various places to receive them, but they had to consider both interest rates and repayment periods rather than focusing on the limit. Those who use it for a short period of time as jeonse return funds or business funds should have been sorted out within five years, so they can significantly lower the interest burden only by calculating the percentage of prepayment fees in detail. At first, I had to follow the limit to raise the funds I needed now, but when I actually got advice from experts, there were not one or two things to deal with before implementation.As such, it was important to secure a limit for regulations if subordinated mortgage loans had to be carried out as estimated income from earned income or housewives or unemployed. The key was to lower interest rates for freelancers who became sole proprietors or contractors. In the case of living funds, it was difficult to bring the limit as desired as DSR was applied because it was implemented for hospital expenses, congratulations and condolences, children’s tuition fees, and living expenses that required consumption. On the contrary, regulations were not delivered because they were implemented for the purpose of operating businesses and facility funds, but it was important to find banks that gave low interest rates in various ways as financial companies set higher LTVs.This transaction has a shorter screening period than the player committee, and it seems that the remittance usually takes about three days. However, if you need additional data for the screening or are pressed, you had to consider it for up to a week, so if you have to borrow it immediately, you can be limited in time. In preparation for this situation, the alternative I looked into was an unconfigured apartment loan, which became a way to secure up to 100 million won in necessary funds within the day through a daily review.Savings banks’ subordinate apartment mortgage loans are also not carried out in one process, but are divided into various products and have different regulations, so it would be desirable to have options based on the funds currently needed. If you are considering additional borrowing, it will not be difficult to find out the loanable funds if you look at the remaining LTV percentage and DSR 50% limit.Savings banks’ subordinate apartment mortgage loans are also not carried out in one process, but are divided into various products and have different regulations, so it would be desirable to have options based on the funds currently needed. If you are considering additional borrowing, it will not be difficult to find out the loanable funds if you look at the remaining LTV percentage and DSR 50% limit.Savings banks’ subordinate apartment mortgage loans are also not carried out in one process, but are divided into various products and have different regulations, so it would be desirable to have options based on the funds currently needed. If you are considering additional borrowing, it will not be difficult to find out the loanable funds if you look at the remaining LTV percentage and DSR 50% limit.Previous Image Next ImagePrevious Image Next ImagePrevious Image Next Image