The Korea Housing Finance Corporation (HF) has launched a home purchase loan for the first time in your life.
Korea Housing Finance Corporation announced on the 28th that it will launch the ‘First Home Purchase Loan’, which allows first-time home buyers to borrow up to 80% of the house price from the 29th of this month (November).
The existing LTV (home equity loan ratio) was applied at 55% to 70% depending on the location and type, but the LTV for first-time home buyers was raised to 80% and the loan limit was increased from KRW 360 million to KRW 420 million accordingly. .
Previously, it was possible to borrow up to KRW 350 million (LTV 70% applied) when purchasing an apartment with a market price of 500 million KRW, even if you are preparing your first house.
In order to receive an LTV of up to 80% through Bogeumjari Loan for a first-time home purchase, it is necessary to meet the requirements of the Korea Housing Finance Corporation’s “Special Purchase Fund Guarantee for the First Time in Life.”
Whether or not to purchase a house for the first time in life is judged on the basis of a married couple, and the same standards as Bogeumjari Loan apply for other loan requirements, such as housing price of KRW 600 million, annual income of KRW 70 million (only for single person, KRW 85 million for newlyweds) or less, and loan interest rate.
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