Skip to main content

The future income, 35-39 years old, is meaningless.

Average 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.

Labels:

Comments

Post a Comment

Popular posts from this blog

Animal Crossing: Lexicon should bring children closer to nature

Animal Crossing: New Horizons presents you a fictional world, the animals of the game ashore and in the water are all modeled on their colleagues from the real life, including seasonal change. For example, our overview of all fish and insects in May is relevant for a few days before you will soon have to pull out our Juni overview. Seasonal differences, biodiversity and behaviors of the animals are only three of many aspects that children in Japan can soon learn with the Animal Crossing-Lexikon . This is based in a playful manner on the popular island simulation and should also get young Nintendo fans on the hooks for a small nature lesson. biology lessons are different: Animal Crossing-Lexikon explains nature to you And with all 235 species on fish, insects and other animals of the game, the lexicon becomes a really thick tea. Of course, the book should be twice exciting for all active Animal Crossing players: So you can get to know the animals found in the game even better. ...
Post a Comment
Read more

Insider says: Battlefield 2042 has great problems with development - cod as a role model?

After the Beta vonbattlefield 2042 has left a sobering impression in many players, Industry insider Tom Henderson reports on a word with some explosive information. His revelations show that the shooter apparently has massive problems in the development process. Where are the info? You come from the industry insider Tom Henderson, who was known by its leaks and information as Battlefield 2042, Cod Vanguard and other titles. Many of his revelations are briefly expressed as correctly. For example, he has placed the setting and some multiplayer modes from Battlefield 2042 in advance. Henderson often refers his information from the direct environment of the developers. Now Henderson has published an article (via gamingintel.com) in which it s about the development and problems of Battlefield 2042. Meinmmo summarizes the information for you. Note: This is unofficial information. Having treated with caution. Battlefield 2042 beta not months old? Massive stability problems Therefore, th...
Post a Comment
Read more

FC Bayern | Matthew criticizes defense

The crashing 2: 4 defeat at VFL Bochum has raised new doubts about the rear team of Bayern. This also sees recordal player Lothar Matthäus so, who took two Munichner after the game, especially to the chest and criticized these sharply. The 2: 4 defeat in Bochum, Lothar Matthäus is safe, was not at the installation of Julian Nagelsmann, but at the hiring of the Munich millionaires. "The team offered catastrophic defensive performance. I seldom seen that a Bayern team was demonstrated," wrote the recordal player in his "Sky" column. Low in the west, according to Matthäus, the record champion had missed the wrong attitude, too little will, no defensive unity and anything else. " The team has brought himself into great difficulties because not all players worked in the backward movement, the "Sky" expert stated. But that, but above all the defenders become more in the focus of criticism, Matthew knows. And he also recognizes great weaknesses at t...
Post a Comment
Read more