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Reporter Kwon Aeri, a friendly economist on Wednesday Reporter Kwon, I recently analyzed the 6·17 real estate measures, but today (24th), I prepared for after-sales service. There are a lot of people who are confused about this.

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Yes, the countermeasure came out just a week ago, but there were a lot of people who came to the Ministry of Land, Infrastructure and Transport website and asked questions. So I've organized some of the confusion.

People who asked on the website of the Ministry of Land, Infrastructure and Transport were most curious. I rarely have a home right away as soon as I pick it.

Many people have been wondering if the loan limit will be reduced if they are in the process of moving their homes for more than a few months.

From the conclusion, it is not. In such cases, it is not subject to the new regulations.

For example, it has already secured the right to sell an apartment outside of the regulated area and is in the process of obtaining a loan.

Or you contracted to buy an apartment, and you usually pay three times. The deposit is usually paid 10%, and the balance is paid on the day of the middle payment and when the sale is completed.

Of these, the contract has been written and the deposit has been deposited. Then, even if it is included in the regulated area after June 17, the mortgage rate will not decrease suddenly.

LTV is 70% in unregulated areas. You can get all the loans as planned. However, only a temporary contract has been made verbally. In this case, it is not recognized.

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contents of the previous generation were complicated, but even if you buy a house with more than 300 million won, not all loans are recovered.

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Yes, first-generation loan regulation is expected to take effect from the middle of next month. The exact date will be announced again in the future.

The key principle of future rent generation regulation is that the new regulation will be applied when both the purchase of apartments over 300 million won and the application for rent generation are made after the regulation is enforced.

So first, as you can see, if you already lived in another house with a loan from a speculative district that has more than 300 million won, and you live in another house, if you keep it, you can extend the maturity of the loan you have received. can.

Likewise, we already have more than 300 million won of apartments, but for the sake of convenience, we will receive a new generation of household loans after the regulation is enforced in order to obtain a rented house separately.

This is true if you sign a contract to buy an apartment and pass only the down payment, or if you already have a new apartment sale or tenancy. You can still receive all generations from now on.

However, in the future, the guarantee limit for all households will be limited to a maximum of 200 million won. Anyone who applies that limit will receive it.

On the contrary, I have received a loan from the previous generation, but after the regulation was enforced, I bought an apartment of over 300 million won. In this case, we do not immediately recover all household loans received prior to regulation.

You can use it until maturity. The loan cannot be extended.

After the regulation was enforced, the number of apartments for sale exceeding 300 million won was received. When the registration is completed in the apartment, the loan is recovered.

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And since yesterday, four buildings in Gangnam, Seoul, and Songpa were bound as a land transaction permission zone. What else changes here?

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Yes, Seoul Daechi, and Samsung, Jamsil, and Cheongdam-dong. Until the 22nd of next year, the so-called land transaction permission zone is bound.

In the next four buildings, if you buy an area of ​​18m2 in the residential area and 20m2 in the commercial area, it is the principle that the person who lives will use it.

You have to live at home, and you have to run it yourself if you're shopping. Today, I will focus on the case of the house.

In the case of a single-family or multi-family house, it is possible for the landlord to occupy a part of the house and rent the rest part of the house.

In this case, the landlord must use more than a certain area. There are no such restrictions. The area based on 18㎡ is the sum of all the shares of a couple or a family.

The husband and wife bought an apartment with a land area of ​​20㎡ under a common name. Then the couple must live by themselves.

And there are new homes that are newly sold in these four buildings. In this case, the landlord does not have to live. Rent or rent is available, and the landlord can live elsewhere in the case of a pre-sale.