<Anchor> A

friendly economy, reporter Kwon Aeri is on today (21st). Reporter Kwon, there is a slight delay, but among the policy loan products offered by the country, products that lower interest rates have recently started appearing, right?

<Reporter>

Yes. It's been a little over a month since the base rate fell to the lowest level in history, and many people say that when they try to get a private loan, they can't feel that the interest rate is lower than before.

In the case of variable interest rate products, interest is actually gradually decreasing. However, interest rates on fixed-rate loans have not come down quickly due to various financial conditions.

Also, if my credit rating is not very high or the conditions are not so good, it is often difficult to get the interest rate I expected.

However, in the future, I would like to introduce today that the interest rate of policy loans to support my newlyweds and the provision of my home or charter funds for the middle class is the first to be cut in 4 years since 2016.

This applies from the 18th of the next month, the month after, and the 18th of May. I would like you to start planning now, but the government explained that it is a measure considering the household situation that has recently become difficult due to the corona 19, even though the standard interest rate has fallen.

First of all, the interest rate of charter loans, such as all-generation loans and shoring loans, is reduced by 0.2 percentage points on average. Couples can earn up to 50 million won annually or less than 60 million won if they have more than one child. You shouldn't have a home you have right now.

Currently, the basic rate of interest for this loan is 2.3 to 2.9%, which is down from 2.1 to 2.7%.

Based on the metropolitan area, you can rent up to 120 million won to a house with less than 300 million won in rent, and up to 220 million won to a house with less than 400 million won if you have two children.

Young people have a so-called brace for youth. You can get a better interest rate. I introduced this once at the beginning of this month, but since the age of the young man has grown significantly to 34, the new system will be implemented from the 8th of next month.

<Anchor>

Yes, I think I can save hundreds of thousands of won, but is this also the policy rate on mortgage loans called 'stepping stone loans'?

<Reporter>

Yes. This is also an average of 0.25 percentage point lower in four years. After all it is from May 18.

Together, couples can receive an annual income of 60 million won or less, and more than 70 million won if they have more than one child. Again, you shouldn't have a home you have right now.

Currently, the interest rate of this loan is around 2 to 3.15%, which is down from 1.95 to 2.7%. However, if you have swollen your bankbook for more than 3 years, subtract 0.2% from it.

When the number of children increases by one, two, or three, the preferential interest rate increases, so the government will say that there will be a lot of loans at a rate of about 1% to 2.3%.

At this level, interest rates may be lower than the famous Bogeumjari theory, so it would be a good idea to find out if the conditions are right for me.

This should be less than 500 million won in the valuation of the house being taken as collateral. Borrow within the limit of 200 million won. If you have more than one child, you can even lend up to 260 million won.

In particular, newlyweds have special treatments. The newlyweds that the country thinks of are playing a little longer than we often think when we say "I'm newlywed."

If you marry in the next three months after marriage, and even before marriage, you can be treated as newlyweds, and your married couple's combined income is up to 70 million won. In the future, the basic period of the stepping stone loan interest rate will be between 1.65 and 2.4%.

We start at the section that is 0.3 percentage points lower than the regular stepping stone loan mentioned earlier, and the limit for lending money is 20 million won, up to 202 million won, by paying 20 million won more than the regular stepping stone.

Here, if you have a subscription account and a child, you will be given additional preferential treatment. You can borrow money in better terms.

<Anchor>

Our financial authorities see newlyweds as seven years. And I would like to ask you what happens to those who have previously received this policy loan, and what interest rates are also lowering.

<Reporter>

Unfortunately, those who have already received the fixed interest rate will not change. It keeps paying off at the interest rate you promised at the beginning.

In the case of floating rates, interest rates will be lowered as they are changed this time. You do not need to apply separately. All of these loans have a payback period of 10 to 30 years. 

The shorter the repayment period, the higher the interest rate structure, but it can also be viewed on the homepage or the screen of the fund e of the Housing City Fund, which is now subtitled, and you can apply through here.

You can make inquiries and apply through five commercial banks: citizens and businesses, Nonghyup, Shinhan, and Woori Bank.