<Anchor> As the



year changes, bank loans have become more difficult from today (the 3rd). The government has tightly bound the money itself that banks can lend, and the method of getting a loan has also become more complicated. There are many things to consider, especially when borrowing large amounts of money to buy your own house.



Correspondent Kim Jung-woo summarizes it.



<Reporter>



First of all, if you want to get a mortgage loan, it is better to pay off your existing credit or negative bankbook loan first.



Starting today, if an office worker with an annual salary of 50 million won with a credit loan of 30 million won wants to buy an apartment worth 800 million won in Seoul, he can borrow up to 230 million won with a maturity of 35 years.



However, if you partially repay your credit loan, you can get a loan up to 320 million won, the maximum of a home equity loan.



This means that you can borrow close to 100 million won even if you pay off your debt a little.



The DSR regulation is a system that binds the principal and interest to be repaid for one year to not exceed 40% of the income.



If you have to pay off debt over a long period of time, you can increase the total amount of the loan while reducing the principal repaid in one month.



Those who are going to receive a Jeonse loan should also be careful.



For now, the government has taken it out of DSR regulation, but things could change at any time.



[Seo Ji-yong/Professor of Business Administration at Sangmyung University: If there is a lot of demand for cheonsei loan and the size continues to rapidly increase, there is a possibility that the government will regulate only the cheonsei loan in some way.

Commercial banks may also start risk management in advance (there is a possibility)] As



banks have fixed loan limits, it is better to avoid the end of the month or quarter, which is used to manage performance, and it is advantageous to obtain a loan at a fixed rate during an interest rate rise period. .



If you need money urgently, such as for a wedding, funeral, or surgery, you can borrow up to 100 million won within 0.5 times your annual income, even if you have already borrowed an exception.



(Video coverage: Park Dae-young, video editing: Yoon Tae-ho)