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From next month, the government is planning to significantly loosen the loan restrictions for homeless people who are buying a house for the first time in their lives.
The reactions were mixed, and in particular, reporter Lim Tae-woo asked how the loan interest burden would be.
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When a homeless person who buys a house for the first time in their life borrows money from a bank, the amount that can be borrowed 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% per annum, a 30-year-old earning 3 million won a month can borrow 50 million won more than before, 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 on a home equity 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 expenditure on children, and if you tell them to spend 2 million won a month (as a loan), that is not possible.]
Here, interest rates are expected to rise for a while Whether this will lead to actual lending is uncertain.