<Anchor>
Reporter Kwon Ae-ri is with you on Tuesday.
Reporter Kwon, I am trying to present a financing plan about how I prepared money to buy a house when I bought a house.
<Reporter>
Yes, if you have to pay a financing plan while buying a house, there are two main ways. The first is to submit only the plan.
I don't need to prove that everything I say is true, I'm just submitting a plan for how to raise money.
The second is when you have to submit a plan and provide proof of whether the information you wrote in the plan is true.
It is to download the form from the website of the National Legal Information Center of the Ministry of Legislation, fill it in, and present it with the supporting documents to the local government where you lived.
As you can see, if you buy a house worth more than 300 million won in a real estate regulated area, that is, an overheated speculation zone or an area subject to adjustment, you have to write a financing plan if you buy a house worth more than 600 million won in other areas.
In the future, however, in regulated areas, no matter how many houses you buy, you have to pay a financing plan.
The rest of the world, non-regulated areas remain the same.
In the future, you only need to pay more than 600 million won.
Both must be submitted within 30 days of signing the house.
So not only in Seoul, but in Gwacheon, for example, in Yeonsu-gu, Incheon, Suseong-gu, Daegu, and Ochang-eup in Cheongju, you can buy a house worth 250 million won or 200 million won and submit a financing plan from the house you sign today.
On the other hand, in Gimpo, Paju, or Busan, there is no need to write a financing plan unless the amount exceeds 600 million won.
<Anchor>
Then, what kind of houses do you have to provide with supporting documents?
<Reporter>
Until now, even in overheated speculation districts, you only have to provide evidence for houses worth over 900 million won.
Starting today, if you are in an overheated district, you will need to show proof of how much you have bought.
This is a measure only for 48 overheated districts.
So, all of Seoul and places like Sejong City, Gwacheon, Seongnam, Gwangmyeong, and Hanam.
Among the regulated areas, 69 areas subject to adjustment are excluded.
If you are in a controlled area, you do not need to provide proof of how much home you have bought.
So, for example, it is Daejeon. Then, even in Daejeon, the overheated districts of Dong-gu, Jung-gu, Seo-gu, and Yuseong-gu, even if the house is worth 200 million won, you have to attach evidence as well as the plan.
Other districts in Daejeon, which are just the courtyards, only need to pay a plan even if the house is 300 million won or 400 million won more expensive.
The status of regulated areas can be checked individually on the website of the Ministry of Land, Infrastructure and Transport.
There are a maximum of 15 supporting documents.
It is to prove each one of the things I wrote down in the plan.
For example, 500 million won for the sale of the house that I used to buy a house worth 900 million won, a separate deposit of 200 million won, and 50 million won given by my parents, and a mortgage loan. Then, the real estate sale contract, the existing house You will need to submit a sales contract for Korea, a certificate of deposit balance, and a loan application.
Gift tax is exempted for money donated from parents up to KRW 50 million, so you do not have to pay the gift tax return in this case.
And since I have verified all the contents I wrote down, I can provide a separate guide for the proof of income, other stocks or gold I have, among the 15 supporting documents.
However, if I wrote the plan and provided only these proofs, in fact, the deposit that I had saved was money given by my parents, so the real amount of the gift is 250 million won. Then, the monitoring team operated by the government will contact you later. If you do not make a proper statement when this arrives, it may be handed over to the National Tax Service, and the gift tax will be collected, and you may be charged an additional tax for failing to report properly.
<Anchor> As with
transactions between individuals, if a corporation acquires real estate, the proof becomes more difficult?
<Reporter>
Yes, real estate regulations for corporations are becoming very strict, and transaction reporting is becoming even more difficult from today.
In the future, the corporation was changed to provide a financing plan wherever and how much house to buy.
Is to report more strictly than individuals.
However, you only have to give out the evidence like an individual in the overheated district.
In the future, it is also necessary to report whether a corporation deals with real estate in a special relationship.
For example, a person may have sold a house to a corporation, and found out that he is a corporation in which he is an executive, and a two-household owner wants to have virtually all two houses while resolving the condition of two houses.
Or, after all, an individual sold a house to a corporation, and the executive who had one in the corporation was the son, which could be an expedient gift.
So, in the future, you must specify whether the person you are dealing with is a corporation you belong to, or if you have a family member or relative.