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1. Overview of the safe conversion loan system
Preferred conversion loan products that help convert variable and semi-fixed-rate (mixed-rate) mortgage loans (mixed-rate) held by ordinary people and real consumers into low-interest long-term, fixed-rate, and installment repayment products
2. Application qualifications and existing loan requirements
Age: Age above civil law 신림셔츠룸
Income standard: 70 million won or less in total income of unmarried or married couples
Based on housing price: (market price) less than 400 million won
Number of houses owned: 1 homeowner
Remark: When accepting applications, the market price of the house (KB market price, Korea Real Estate Agency market price) is used first. If there is no market price, the official price and the realization rate are used.
Existing loan 구로셔츠룸 requirements
Existing loans to be redeemed by this safe conversion must meet the following requirements:
1. Mortgage loans excluding policy mortgages and fixed-rate loans
* Policy mortgages: Housing and Urban Fund loans, such as Bogeumjari loans, eligible loans, and stepping stone loans in my house
* Fixed-rate loans: loans with a fully fixed interest rate of at least five years from the date of loan execution to maturity
"1. A. Fixed-rate loans" of the Financial Supervisory Service's current "Standards for Recognition of Fixed-Rate, Non-Franchised Dividend Loans" are applied mutatis mutandis
* Other: Limited loans, corporate loans, and loan businesses (including P2P loans)
2. Loans executed until August 16, 2022
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