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Bank loan interest rates are likely to rise again after the Chuseok holiday.

The Cofix, the basis for which banks set floating rates, is released this Thursday, and is expected to rise again.

So, people who borrowed bank money to buy a house with a variable interest rate may have to pay more interest in the future.

In order to reduce the ever-growing interest burden, the government has decided to change the floating rate loan to a fixed rate, and you can apply for it from the 15th, three days later.



Reporter Jeon Yeon-nam will explain everything you need to know about the qualifications and how to apply.



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Inquiries are constantly coming from the housing finance corporation information call center.



This is because applications to convert a variable rate mortgage loan to a fixed rate will start from the 15th.



[In the case of a mortgage loan executed by August 16, 2022, payment is possible and…

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The most common question is, am I the target?



If a married couple earns less than 70 million won a year and owns only one house with a market value of 300 million won or less, you can apply first.



If you borrow from six major banks, you can apply for it on the website or branch. For other banks or savings banks, you must apply through the Korea Housing Finance Corporation website or app.



If the house price is between 300 and 400 million won, you can apply for the second application from the 6th of the following month.



However, if the budget exceeds the budget at the time of the first application, the second application may not be accepted at all because the candidates are selected in the order of the lowest house price according to the budget secured by the government of 25 trillion KRW.



[Jang Seon-mi / Head of Call Center, Korea Housing Finance Corporation: In order of lower price, there is also a limit on the limit (house price), so customers between 350 and 400 million have some inquiries about whether I can receive it or not. ]



Prepayment fees are also a concern.



This time, the selected person can cancel the existing contract without a redemption fee.



With a 10-year maturity, you can borrow up to 250 million won at a fixed interest rate of 3.8%, and the longer the maturity, the higher the interest rate.



If you are under the age of 39 and earning less than 60 million won per year, you can borrow 0.1 percentage points cheaper.



(Video coverage: Hyung Yoon, Video editing: Chunbae Park)