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government has decided to change a variable rate mortgage loan to a low fixed rate loan, but today (10th), it presented specific conditions.

You can receive benefits when the house price is 400 million won and the couple's income is 70 million won or less.



Reporter Jeon Yeon-nam explains.



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A safe conversion loan is a system in which the government converts a variable rate loan into a fixed rate.



If a married couple earns less than 70 million won a year and owns only one house with a market value of 400 million won or less, you can apply for this safe conversion loan.



Loans can be taken up to a maximum of KRW 250 million.



If you are under the age of 39 and earn less than 60 million won, you can borrow at a rate of 3.7% if the maturity is 10 years.



The longer the maturity, the higher the interest rate, which is 4% for a 30-year maturity.

Now, the highest interest rate at the bank is up to 6% as a variable rate, so the interest rate is lowered by about 2%.



So, when you borrow up to 250 million won, the burden will be reduced by up to 5 million won a year.



You can apply even if you have received a loan from two financial institutions such as an insurance company or a savings bank, and even if you have a mortgage loan from several financial institutions, you can combine them into one safe conversion loan.



If the house price you own is less than 300 million won, the application will start from the 15th of the following month, and applications between 300 million won and 400 million won will be accepted from October 6.



Those borrowing from six major banks can apply at the bank branch or website, and other banks or savings banks can apply through the Housing Finance Corporation website app.



The important thing is that it is not on a first-come, first-served basis, so there is no need to rush to apply.



The budget secured by the government is 25 trillion won, and if more than this comes in, the recipients are selected in descending order of house price.



So, you should be aware that in reality, it may be cut at less than 400 million won.