From the 1st on the 1st, as the total debt principle repayment amount is over 40%of the annual income for loans of more than 100 million won, the government calculates the future income as regulations are enforced. He announced a policy to increase the loan limit.
However, it was confirmed that the form of calculating the current future income is meaningless to 35-39 years of age, which is considered as a home real user. This is because older income is less than 35-39 years old, and no weight is given at all.
In addition, as banks increased their mortgage to 40 years, the future income of young people aged 20 to 29 was not only increased by 1 million to 4 million won.
On the 27th, we estimated the future income of 20-39 years according to the future income recognition standard. The future income is assumed that young people in this section are expected to gradually increase annual income, and are used to calculate the mortgage limit of more than 10 years. Currently, KB Kookmin Bank and Shinhan Bank are using it.
For example, assuming that you are 20 years old and receive a 20-year mortgage loan, you will be weighted according to the annual income corresponding to the 40-year-old section of the maturity. The future income, which is applied to the weight, is higher than the average salary of the age, but when the 35-39 years of age receives a mortgage loan for more than 20 years, the weight is 0. In other words, 35-39 years old is that there is nothing favorable in future income.
If you estimate future income by age, ▲ 20 ~ 24 years of age average salary of KRW 2619 million → 36.28 million won ▲ 25 ~ 29 years old 3249 million won → 43 million won ▲ 30 ~ 34 years of age 379 million → It increases slightly to 42.53 million won, but it is the same from 35 ~ 39 years old 43.83 million won → 43.83 million won. The reason is that there is little annual income difference between 55 and 59 years old, with annual income from 35 to 39 years old and 20 years of mortgage loans (20 years). The annual annual income of 35-39 years old is 43.83 million won, and the 55-59 year old is 43.96 million won.
There is more problem. As the maturity of mortgage loans increases to a maximum of 40 years, it is virtually no significant to recognize future income even if you are 29 years of age. According to the Bank of Korea's 2021 Household and Financial Welfare Survey, only 11.5%of those under 29 years old are residents.
If you apply it as it is, the future income that can be recognized by the bank is 311,000 won and 25-29 years old is 3336 million won. In the end, the future income of ages 20-24 is 3.69 million won from the original salary, and the annual income is only 870,000 won. This is the words of bank industry officials that this cannot be made with a big difference in the loan limit.
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