The interest rates of major mortgage loans (home loans) have fallen to at least 1% per year, but not everyone can use them.

At the lowest interest rate ever, inquiries from lenders considering new or transfers have been continued for each bank, but many turn around unfortunately.

Because of the demanding preferential conditions.

This is the reason why the funny sound is, "Anyone who can get interest rate of 1% is about 1% of total".

According to the Bank of Korea on the 19th, the interest rate of variable home loans in connection with the COPIX (Coin Funding Cost Index) based on the amount of new handling of KB Kookmin, Woori and Nonghyup Bank is 1.96 to 3.96%.

Shinhan Bank's volatility ranged from 2.54 to 4.94% and Hana Bank's from 2.491 to 3.791%.

Although it can receive as low as 1.96% from the Nonghyup Bank, it is different from the interest rate experienced by real customers.

▲ Transaction performance (up to 0.70%p) ▲ Policy (up to 0.70%p) ▲ Product (up to 0.20%p) In all three conditions, the minimum interest rate is required.

Specifically, there are more than 10 conditions.

In the case of transaction results, credit card use of more than 2 million won for 3 months (0.25%p), salary transfer of more than 1.5 million won per month (0.25%p), and automatic transfer of more than 8 cases per month (0.20%p).

Preferential policy items include: 40% or less (0.20%p) of mortgage loan ratio (LTV), short-term variable interest rate (0.20%p) or less than one year, Nonghyup Bank's first new customer (0.20%p), farmer (0.20%p) ) Etc.

In the case of products, there are conditions such as holders of a fill-in-post preferential passbook (0.10%p), real estate electronic contracts (0.10%p), and open bank account transfer registration (0.10%p) that only public officials can join.

It's not just about the Nonghyup Bank.

Most banks are proposing credit card usage results, payroll transfers, and real estate electronic contracts as preferential rates.

There are also'unexpected' conditions.

Shinhan Bank provides a preferential interest rate of 0.1%p to customers who have purchased Samsung Electronics' home appliances over 1 million won through an affiliate coupon.

At the same time, accumulated products such as savings, etc., pay more than 100,000 won per month (0.2%p), designate a credit card payment account and use more than 500,000 won in the last 3 months (0.3%p), payroll (0.5%p), real estate electronic contract (0.2%) p) If you are registered as a model taxpayer in Seoul (0.5%p), you will also receive preferential benefits.

Hana Bank lowers interest rates by up to 1.3%p, including those with 3 children (0.1%p) or 4 children (0.2%p).

In Kookmin Bank, the disabled (0.1%p) item is included.

With Woori Bank's preferential conditions such as payroll transfer, automatic transfer of utility bills and administrative expenses, the minimum interest rate can be earned if the lender is above grade 3.

At Citibank, a foreign bank, lower interest rates are possible in the form, but in reality, they are not available.

Citibank's six-month financial bond-based variable-rate housing loans have interest rates down to 1.48% per annum.

This is possible if the loan amount is more than 500 million won, the transaction performance of Citibank is more than 1 billion won, and the LTV is 40% or less, and the customer has a mortgage in a Citibank apartment.

An official at a commercial bank explained, "Each bank presents different preferential conditions in consideration of marketing effects and policy aspects, as well as the effect of keeping customers tied up by selling loan products."

The official said, "From the customer's point of view, it is a very demanding condition, so if you remove the'imaginary', the majority can be reached in the early 2% range." There are risks such as regulation, so it is good to carefully check the preferential conditions and then decide.”

(yunhap news)