신생아 특례대출Among these, let’s take a look at the ‘Newborn Special Purchase Fund and Jeonse Loan’, which is scheduled to be implemented the fastest (January 24).
This applies to households without a home that have given birth within two years of the loan application date (applies to children born in 2023, regardless of marital status).
In the case of a home purchase loan, up to 500 million won is provided at an interest rate of 1.6 to 3.3% per annum for assets of 506 million won or less and annual income of 130 million won or less.
In the case of a jeonse loan, up to 300 million won is loaned at an interest rate of 1.1 to 3.0% per year for assets of 361 million won or less and annual income of 130 million won or less.
For both home purchase and lease loans, the interest rate initially received is applied for 5 years (maximum 15 years). For additional births, each child can receive an additional interest rate reduction of 0.2%P.
According to Real Estate R114, as of November 2023, 39% of apartments in Seoul worth 900 million won or less can take out a loan for the purchase of a newborn, and 47% of apartments worth 500 million won or less can take out a lease loan.
Looking at it by category, the apartments in Seoul that can take out a loan for lease funds are △Dobong (92.3%) △Nowon (88.4%) △Jungnang (81.7%) △Guro (80.2%), and the apartments that can take out a loan for purchase funds are △Dobong (86.9%) △Nowon (83.5%) △Geumcheon (83.5%) are mainly distributed in areas where mid- to low-priced apartments are concentrated.
On the other hand, although the proportion of non-apartments eligible for special purchase and lease loan for newborns is greater than that of apartments, there are likely to be many households preferring apartments due to issues such as lease fraud and liquidity.
Kim Ji-yeon, senior researcher at Real Estate R114, said, “Even if you use the special loan for newborns, you must have additional money (400 million won in purchase funds, 200 million won in lease funds) to purchase a house, and the loan target is limited to households that have given birth, so they are less eligible than special home loans. “It is expected that there will not be many households,” he explained.
When options such as balcony expansion and system air conditioning are added, the sale price exceeds 900 million won, and some say that the conditions are strict because ‘if the balcony is expanded, no loan is possible.’
In particular, there is criticism that it is ‘reverse discrimination against families with children born in 2022.’ There are also concerns about illegal benefits, such as the fact that it is relatively easy to own multiple homes by taking advantage of the fact that it is not related to marital status, such as the process of ‘childbirth → special loan → marriage registration’.
Senior Researcher Kim said, “The government has allocated 26.6 trillion won of the 34.9 trillion won in home purchase loan costs for next year to special loans for newborns, and is committed to policies such as supplying housing for families with childbirth and improving the subscription system to be more favorable to marriage and childbirth. “It is believed that the financial burden of purchasing a home will be greatly reduced if newlyweds planning to get married and families who are not married but are about to give birth actively use special loans,” he said.
