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government has decided to increase the loan limit for first-time home buyers from next month.

For example, a dual-income couple with an annual salary of 40 million won each can borrow up to 600 million won.



Depending on the conditions, how much can be borrowed and how much interest will be, Reporter Lim Tae-woo will summarize.



<Reporter>



When a homeless person who buys a house for the first time in their life borrows money from a bank, the amount available for loan increases significantly from the next month.



You can get a mortgage loan up to 80% of the house price, up to 600 million won.



In addition, the loan itself increases by up to 50% compared to now because it allows for more potential for future income growth.



Under these conditions, if the interest rate for a 30-year loan is 3.5% a year, a 30-year-old earning 3 million won a month can borrow 50 million won, and a 24-year-old worker earning 2.5 million won a month can borrow an additional 100 million won. .



If your annual income is 66 million won in your late 20s and 73 million won in your early 30s, you can borrow 600 million won full.



In particular, a couple in their early 30s can borrow 600 million won if their annual income is over 36.5 million won, because married couples calculate their income by adding up their income.



As loans increase, the risk of being crushed by debt as soon as you come to work and work in society also increases.



If you borrow 600 million won at the current average interest rate for a home mortgage loan of 4%, you will have to pay 2 million won in interest per month and 24 million won in one year.



If you pay off the principal over 30 years, you have to pay 2.8 million won or more to the bank every month and live with the remaining money.



[Mr. Choi / Yeongdeungpo-gu, Seoul: It is not possible to reduce the expenses for children, and if you tell them to spend 2 million won a month (as a loan), that doesn't seem possible.]



Here, interest rates will rise for a while .

As it is a prospect, it is unknown whether it will lead to actual loans.



(Video editing: Park Ki-duk, VJ: Park Hyeon-woo)



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