Our lives that have changed due to the corona include our loan method. From the counseling received after waiting for a number ticket from an existing bank, now it is time to know the availability and limit in 5 minutes at home via the Internet or mobile phone. Of course, the execution of funds is safely executed in the bank. Therefore, financial consumers only need to compare and select which bank’s interest on apartment mortgage loans is most advantageous. The reason for this change of procedure is because of a professional mortgage loan interest rate comparison service such as Bank Mall.
(home page: https://www.bank-mall.com / )( Free consultation representative number: 1544-2220)
Real estate experts recommend consulting with an apartment mortgage loan interest rate comparison site as a solution to the loan regulation that has become too complicated by 24 real estate measures. It recommends the most suitable product to financial consumers by checking both the interest rates and conditions of 1 financial sector banks as well as 2 financial sector products, and at the same time, it is possible to check the availability of real estate regulations.
In fact, too many regulations appear in succession, so there are cases in which the contents are complicated, or when the date is aligned with the time of application of the regulation, the bank branch may not know exactly whether it is possible. However, in the case of Bank Mall, accurate information is provided to customers through know-how, business alliances between banks, and accurate understanding of regulations.
The only apartment mortgage loan interest rate comparison company operating a dedicated team
In the case of the introduced Bank Mall, there is a specialized department in the field to guide not only home mortgage loans, but also private loans and general items such as land and buildings. As a result, whenever regulations change or special products are released, they can react quickly and guide customers to the best products.
In particular, in the case of jeonse loans, a service that checks whether the contract is possible before contracting is provided for customers who have difficulty in contracting due to the recent increase in jeonse access regulations.
(KakaoTalk quick consultation: http://pf.kakao.com/_SvmUV / Free consultation: 1544-2220)
◆ How is it advantageous to receive additional loans?
Due to the regulation of apartment mortgage loans, the limit on mortgage loans by commercial banks has changed significantly from 30 to 70% depending on the region. In the case of regulated areas, the limit for apartment mortgage loans has significantly decreased, such as: speculation/exposure overheating districts, adjustment target areas, and non-regulated areas are different, and loans for apartments exceeding 1.5 billion won have been suspended, and loans for apartments exceeding 900 million won are reduced. Therefore, more and more people are looking for additional loans. However, in the case of additional apartment loans, interest rates and limits vary greatly between financial companies, so it is important to select the best loan product that suits you.
First of all, you should not think that you have to use the 2nd financial sector unconditionally as an additional loan. If the loans currently in use are significantly lower than the local LTV (loan limit), then commercial banks can fully secure apartment subordinated loans at a low interest rate, but if the existing loan ratio is high and commercial banks cannot, then you should use 2 financial sectors.
2 In the case of a subordinated apartment mortgage loan in the financial sector, loan conditions vary greatly depending on the lender’s job (worker, business), credit rating, loan limit, and region, so it is necessary to find the best product through experts such as interest rate comparison sites. Depending on the conditions, additional loans are possible up to 80 to 90% of the housing market price.
◆ It is difficult for consumers to directly recognize the loan regulations that change frequently.
In the past two to three years, policies to regulate mortgages have been announced one after another. Due to frequently changing regulatory policies such as the selection of speculation zones, overheated zones, and expansion of adjustment zones, even a little misunderstanding can lead to major problems in receiving housing loans, cheonsei loans, and eviction loans. In order to reduce this risk, it is better to use free consultation through Bank Mall, which provides professional consultation on the minimum interest rate and maximum of an apartment mortgage loan, including loan regulations. All services are free, and it is wise to get a recommendation from a financial company after a brief free consultation of about 5 minutes.
◆ Comparison of apartment subordinated loans and business loans for businesses
It operates a loan-only department as much as possible for business owners and those who need additional apartment loans. In the case of receiving a mortgage loan for business funds, it is possible to proceed with a maximum of 95-100% depending on the LTV of each financial company regardless of the government’s loan regulations. You need to check what it is through “Bank Mall” in order to benefit from interest reduction.
If you recently received a mortgage loan from a commercial bank or are using low-interest rate products, it may be more advantageous to use a subordinated mortgage loan rather than a senior mortgage loan. In the case of apartment subordinated mortgage loan products, interest rates are higher than those of commercial banks, but if you want more loans, you have no choice but to use 2 financial sector additional security loan products. In the case of additional loan products, there are many cases that are not related to regulations, so you are free to receive loans.
◆ If you need a mortgage loan in the short term, you should check the interim repayment fee.
Most people who receive mortgage loans try to make the maturity as long as possible, from 30 to 35 years. However, if you need a loan in the short term, there is something to consider. That is the interim redemption fee. When a bank proceeds with a mortgage loan, initial costs such as setup fees, stamp duty, and labor costs are incurred according to the loan amount. If the consumer only spends a short period of time and repays the loan, he has to bear the loss of the initial cost. Therefore, banks are required to pay a penalty according to the period of use of the loan if the lender repays the principal within a certain period through an early repayment fee.
If you plan to use it for a short period of time, such as a jeonse eviction loan, you must compare the early repayment fee and the interest rate.If you use the interest rate comparison site, you can determine the expected expenditure and prepayment fee according to the length of use of the loan, the most advantageous product. You can be informed of what is.
◆ What are the precautions when using the interest rate comparison site?
Although the apartment mortgage loan rate comparison service is definitely a useful site, there are some caveats. It is the reliability of the site. With so many interest rate comparison sites emerging recently, it is true that it is difficult to determine which one can provide the most accurate information. There may be cases in which the minimum interest rate offered for each site is different or the conditions are different. Some small sites may give inaccurate information. In particular, in the case of apartment mortgage loans and jeonse loans, it is true that the standard interest rate and loan regulations are changing from time to time, and new regulations are emerging. In particular, in the case of products such as safe jeonse loans, not only the bank’s own regulations, but also the guarantee foundation continue to change regulations.
The mortgage loan interest rate comparison site provides information on all apartment mortgage loan products, including commercial banks and insurance companies, various financial institutions in the second financial sector, and policy products such as secure conversion loans. Information is being provided. Among them, if you use’Bank Mall’, a representative website with the highest recognition, it compares and analyzes the housing loan conditions of banks across the country, so you can purchase banks with minimum interest rates or government loan products such as safe conversion loans, bogeumjari loans, and stepping stone loans. There are many people looking for it. In the case of this site, without checking specific personal information or credit inquiries, financial counselors search for products that meet the individual conditions of each consumer by considering LTV, DTI, and DSR, so consumers can check the lowest interest rate bank and products that suit each individual. In particular, when interest rates fluctuate and regulations are tightened like these days, real-time interest rates are applied to inform them, so the satisfaction is said to be quite high.
◆I want to receive a low interest rate through interest rate comparison. What is the procedure?
Bank Mall’s loan process, where you can change a mortgage loan for a home apartment, is as follows. If you leave the application through the homepage or phone, after assigning a person in charge, you can check simple basic matters, and through a customized diagnosis for each individual condition, you will receive 1 financial sector (KB Kookmin Bank, Woori Bank, Shinhan Bank, SC First Bank Korea, KEB Hana Bank, Korea Exchange Bank, Nonghyup Bank, IBK, Suhyup Bank, etc.), insurance companies, 2 financial sectors, secure conversion loans, officetel secured loans, officetel chartered loans, p2p loans, and business-secured loans. After finding the optimal conditions, interest rates, and limit products through loan counseling, consumers can visit a bank and fill out a loan document.
Although I am reluctant to visit a bank due to Corona 19, if you want to find the most advantageous apartment mortgage loan for me, including government products such as a support or stepping stone, be sure to find the most advantageous product through an apartment mortgage loan interest rate comparison site such as Bank Mall.