금리 및 대출 규제 완화 v1.0

<< 2월 13일  금리 >>

<<<< 전세대출 >>>>

대출 1억원 이상

2년 고정금리

>> 전세(주택보증) :4.36%
               오피스텔 :4.40%

>> 안심전세 : 4.4%
     오피스텔 : 4.26%

>> 서울보증전세 : 4.75%
            오피스텔 : 4.61%

중도상환 수수료 : 0.6%

최초 대출금액의 10% 범위내
중도상환시 해약금 면제

==================
주택 담보대출 금리
1억이상

대출기간 40년:
5년 변동금리 : 5.07%

중도상환 수수료: 1.2%
3년이후 면제

최초 대출금액의 10% 범위내
중도상환시 해약금 면제

=====================
3월부터 완화되는 대출규정

1.규제지역 다주택자 구입자금
LTV 30%(처분특약 무) 가능 --> 글쎄... 고작 이걸로 실효상이?  DSR규제는 그대로이고.
2.규제지역 15억초과 초고가아파트 전세보증금 반환대출 등 한도 제한 폐지(현행 2억)  -> 살 길을 열어줌
3.규제지역 고가주택 임차보증금반환대출시 3개월내 전입의무 폐지
4.생활안정자금 한도제한 폐지(현행 2억)
5.서민실수요자 한도제한 폐지(현행 6억)
6.고가주택 보유 1주택자 (단, 보유주택이 비규제지역인 경우) 전세대출 가능 및 1주택자 소득 1억초과 HF, HUG 보증가능

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