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Reporter Kwon Aeri, a friendly economist. Reporter Kwon, the regulation on the generation of households will be enforced from tomorrow (10th). If you buy an apartment of more than 300 million won in a speculative area or a speculative overheating district, you will not be able to rent out a house even if you live in another house.

<Reporter>

Yes, I can't buy an apartment with a withdrawal from the previous generation. Nor can you make a new generation after you buy an apartment worth over 300 million won.

This regulation is for apartments only. This does not apply if you have or live in a villa or multi-family house.

Before the June 17th, the existing real estate measures made it impossible to make a new generation if you had more than 900 million won. The regulations are still alive. It is the same for an apartment or a villa. It should not be an expensive home.

But what I'm talking about today is only for apartments. Regions are the only regions we are showing now. There are many speculative overheating districts, but there are many people who are confused, so I will just show them all.

Of the regulated areas, the area to be adjusted is not related to the new generation of rent restrictions that I am talking about today, and is not limited to these areas.

All over Seoul and Gwacheon, Bundang, Gwangmyeong, Hanam, Sejong City and Daegu Suseong-gu. Since June 19th, there are some areas in the metropolitan areas including Suwon, Guri, and Gunpo, which are bound by speculative overheating districts, and also in Incheon and Daejeon.

The standard day is tomorrow. So, after tomorrow, you will receive all household loans, but not apartments or condominiums that have entered into sales contracts until today.

Even if the process of buying the house has not been completed, it will be excluded if the contract date is 10 days before. For example, a person who contracted a 400 million won apartment in a speculative overheating district last month receives a loan from all over the world. That's possible.

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recovering the loan. Is that right?

<Reporter>

Yes, the principle is to do it right away, with the exception. After tomorrow, I have rented a house, and since then, for example, I buy more than 300 million won apartments in Gunpo.

However, there are still tenants in this house. Then the financial institution will wait until the tenant's charter period ends. However, if the tenant's charter expires, my previous generation withdrawal will be recovered.

There is also a previous generation that I have released to this day, but after tomorrow I buy a house, in which case I wait for the expiration of the previous generation. You cannot extend your loan after maturity. You have to pay off the loan.

As an exception, I bought an apartment of more than 300 million won since tomorrow, and after that, I am trying to make another loan.

This is the case if possible. I will rent out of the metropolitan city or metropolitan area to which I belong, and both the apartment I bought and the apartment to be chartered must live at the same time.

That's not enough. The reason for the family's separation must be a real condition that is accepted by countries such as work, child education, parental care, treatment, and school violence. You must meet all of these at once to qualify for an exception.

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Today, I am very confused about tomorrow. By the way, does it differ depending on where or how you get this guarantee?

<Reporter>

Yes, there is a guarantee procedure when receiving a new generation. There are public and private guarantees. Public guarantees are provided by the Housing Finance Corporation and HUG, and private guarantees are provided by SGI.

All three companies are the same in terms of buying less than 300 million won of apartments in the speculative overheating district. Not all.

However, the loan limit is different when all households can be loaned. The two places that provide public guarantees are limited to 200 million won. This time, HUG's warranty limits have been reduced, making the two companies the same.

On the other hand, SGI, a private guarantee company, can borrow up to 300 million won, but it is necessary to take into account that the interest rate can be raised by 1 percentage point more than when receiving a public guarantee.

And this limit is limited to those who already have a home. Homeless people continue to lend to HUG for 400 million won and SGI for up to 500 million won. As it is.

However, as a homeowner, a person who has already received a loan from a previous generation is trying to extend the deadline. It works too. If you already have a 400 million won loan, you can extend that amount.

However, even if you move or even make the same loan, it will be changed to a new loan after tomorrow, and the total loan amount should be reduced.