As a condition of lump-sum repayment at maturity, you will only pay interest on the loan for two years (the term of a Jeonse contract is usually two years?).
Therefore, an early repayment fee is generated when the principal (loan amount) is repaid in the middle, which is reduced by a 1.4% sliding method from the time of loan to 3 years. In simple terms, a fee of 0.6% is incurred when repaying at the beginning, but the fee is reduced by 0.4% and 0.2% when repaid in the second half.
So, our plan is that if there is a large amount of money in the middle, it would be advantageous to reduce the principal and lower the interest accrued even by paying the mid-payment fee, but if you have a few million won, it is wise to call money quickly through personal investment. 국민은행 대출상담
<Guarantee premiums>
This is like jeonse safe loan insurance, but the premium over 1 million won applies to newlyweds benefits (events), so it’s 170,000 won? 27 million? They said that I only had to pay. I can’t remember the exact amount because I haven’t paid the insurance yet… 이베이스매뉴얼
04. Success of Jeonse Loan
If you look on the internet, there are not one or two problems related to jeonse loans, but the past month I was anxious because it felt like I was the only one who could get a loan so easily. In fact, it was difficult to confirm because the balance of the loan was transferred directly to the landlord without going through my hands… So I think I checked with the loan counselor once a week to see if the loan was proceeding normally. The answer I always get back is “yes, no problem”.
There is no contact on the day of the balance. I was wondering whether it was a loan or ten thousand, and then I went to the real estate office to see the last things I need to do, such as the house key and the landlord’s management fee settlement. When we arrived at the real estate, the real estate agent paid off the loan and explained what to do from now on. Ummm… it ends so smoothly?
Anyway, it went well, so I paid the real estate brokerage fee on that day 🙂
05. Dealing with chores on the move-in day
I ran around all day even taking care of small chores! If you are an employee, an annual leave, or at least half a year, is essential. It’s really terrifying to think about moving twice.
1) As the management fee is carried forward and notified, the management fee used by the landlord is inherited (landlord ▶ remittance to us) – to be processed at the real estate
2) For households using city gas, the landlord must confirm that the city gas fee has been paid in full by the day before moving in, and call City Gas to register as a new resident.
– We are using Yesako, so contact Yesako 1544-3131 to register, and the head of the household must apply by phone.
3) (If it is an apartment) You must go to the management office to register a resident card and request a change of the password at the entrance.
4) It is good to register the management fee and city gas automatic debit in the main bank in advance.
5) It is better to go to the real estate office and check the cancellation registration after a week.
6) The move-in notification can be applied for online at Government 24, and the fixed date can also be applied for online.
-If you apply online, you will be contacted by the government office, asking you to fax the worldwide contract. You can go to a real estate agent and ask them to fax it to you.
7) On the day of move-in, the bank visits the house to take a due diligence to see if it is true that you have signed a contract for the house or that you are moving.
My Jeonse loan review, which has not been dynamic at all, thank you for being able to get a jeonse loan without any problems. I almost ended up on the street after looking for a house😥 As far as I know, Kookmin Bank loans were suspended until October (as of September 29, 2021), how do ordinary people who really need a house live? . Fighting for those who are preparing a home..!
▶️ 3rd wedding preparation post