청년주택드림청약통장If you win the subscription using this account, you can receive a low-interest home mortgage loan (hereinafter referred to as home mortgage) of as low as 2.2%. If you get married or give birth, you may receive additional interest rate benefits (lower interest rate limit of 1.5% per year).
This account pays more interest (4.5%) than the existing ‘Youth Preferred Subscription Account’ and doubles the payment limit (up to 1 million won), providing financial benefits with ultra-long-term and ultra-low interest rates. In response to criticism that the existing subscription account subscription requirements were strict, the income requirement was lifted and changed so that even those who are not the head of the household can subscribe (annual income of 50 million won or less, and those who do not own a home).
Young people who win the subscription with this account can receive purchase funds of up to 80% of the sale price at a low interest rate of as low as 2.2% (differential by income and maturity) through the exclusive loan ‘Youth Housing Dream Loan (available after February 2025). Support. Even after using the loan, if you get married, give birth, or become a family with multiple children (additional births), additional interest rates are provided to reduce the burden of housing costs throughout your life cycle.
According to Real Estate R114, if you use the youth housing dream loan, it will be about 850,000 won cheaper per month than a commercial bank mortgage loan.
The loan amount is the sale price minus the down payment (KRW 120 million). Assuming that the interest rate is the lowest interest rate and the loan period is the maximum, the average monthly payment when using the youth housing dream loan is about KRW 850,000 cheaper than a bank mortgage loan and can be extended over 40 years. It was found that approximately 400 million won could be saved. However, the loan amount, applied preferential interest rate, and loan period are different for each consumer, so there may be differences in the average monthly payment amount.
Meanwhile, among apartments nationwide, a large proportion of apartments that could utilize the ‘Youth Housing Dream Loan’ were located in rural areas.
Of the total 121,353 apartments nationwide (based on general sales) supplied from January to November this year, apartments with an exclusive area of 85 m2 or less and a sales price of 600 million won or less accounted for a total of 74,934 households, or 61.7%. In Seoul, the proportion of apartments (9.8%, 1,612 out of 16,461 households) with an exclusive area of 85 m2 or less and a sale price of 600 million won or less was the lowest in the country. In rural areas, most apartments (79.5%) are eligible for youth housing dream loans, and in the metropolitan area, about half (48.3%) are eligible for housing dream loans.
Kim Ji-yeon, senior researcher at Real Estate R114, said, “It is expected that the youth housing dream loan will be able to actively utilize the subscription account for public sales and apartments in the 3rd new city to be supplied in the Incheon and Gyeonggi regions and non-metropolitan areas in the future.”
