Friday, April 14, 2017

What do a glass transition charter Loans VS rent? Jeonwolse conversion calculation



It can be heard frequently around the joke shop called high landlords than God. So real estate is recognized as the financial, psychological and stable asset that helps to stable family life with Korean sentiment on real assets.

Freshly prepared to start a film pack for independent social rookie or home Newlyweds beheld difficult life to buy a home on their own, most tenants, but soared jeonsegap the Giro ceiling even this I can also highly jeonsetjip than marketing in certain areas In many cases difficult to receive a charter deposit loans select the rent. Even if the deposit is selected somewhat lower rents it can only be paid one month spending combined, including management fees and living costs.

Its calculation of the rent to rent in the charter is a charter?
Increase the monthly rent amounts to lower charter deposit, or Conversely, if you adjust the deposit in order to reduce the rent amount Law rent conversion of housing to establish in the drain prescribed by the percentage prescribed by the Presidential Decree (10%) and the Bank of Korea interest rate × Presidential Decree (4 Drain ) it shall be calculated by comparing the low-rent ratio conversion.

But real estate brokerage firm, make adjustments to the amount of 10 million won 100,000 won per ordinary deposit. In other words, if you adjust the jeonsetjip of 150 million won to 100 million won deposit is to be paid the rent $ 500. The same level as those that use the loan to 12% of the annual interest rate applicable to the calculation ttajimyeon.



Then I it is advantageous to deposit a little higher charter plane chartered to solve loans, rather than switching to rent. But a credit rating or income, depending on the kind of stuff because cheaper by 70% to 80% of the deposit can usually get a loan.

Check if the charter capital loan that you need from the Government Eligibility
In situations that require a charter to make loans from financial assistance programs supported by the Government it is advantageous. When buying and selling homes is a typical case of the charter capital loan loans, but there are a stepping stone buttress charter capital loan of Housing and Urban Fund.



Income three weeks and requirements such as specific conditions are as follows:



Loan limits and interest rates are as follows:





If the above conditions are chartered out loans of commercial banks.
Charter capital loans of commercial banks is also less expensive than rent one conversion.

Limits and interest rates by the Bank is available to about 3%, but the difference around 80% of the deposit. Most products sold in the banks proceeds from the Housing Finance Credit Guarantee Fund, Korea Credit Guarantee Foundation, Seoul, housing construction in the city Warranty Warranty Western loans.

If the 150 million won-old when it enters the jeonsetjip lack of 50 million won to switch to the monthly rent when determining the rent or charter capital loans must be paid by January 500,000 won, but resolved to charter capital loans can be solved by 125,000 won per month. (Charter capital loans yeongeumri 3% assumption)