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홍차넷
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티타임
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/bbs_title.php on line 21
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- 다양한 주제에 대해 자유롭게 글을 작성하는 게시판입니다.
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전체기타일상/생각꿀팁/강좌방송/연예도서/문학영화의료/건강문화/예술경제생활체육과학/기술철학/종교정치요리/음식역사여행육아/가정IT/컴퓨터음악창작게임스포츠사회오프모임
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| Date |
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 53 20/11/24 01:06:44 Warning: Use of undefined constant mod_date - assumed 'mod_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 56 수정됨 |
| Name | Leeka |
| Subject | 1인가구 내집마련 - 보금자리론 활용하기 |
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- 1인가구는 기본적으로 청약... 넵.. 추첨 or 미분양 아니면 택도 없습니다.. 따라서 1인가구는 기본적으로 매매를 베이스로 봐야 하는데요. - 서울이나 수도권은 전부 투기과열지구 이상은 지정되어 있기 때문에 주담대는 LTV의 40%(9억이하) 가 베이스가 되는데요. - 6억 이하의 집을 구입할 경우, '보금자리론' 이라는 희망의 카드 한장이 있습니다. 1. 1인 가구의 보금자리론 조건은? > 연소득 7천만원 이하. 만 만족하면 됩니다. (무주택자 기준) 2. 보금자리론의 혜택은? > 6억 이하의 집에, LTV 70%가 나옵니다 (단, 최대 3억까지만) (정확히는 5억~6억은 LTV 60%긴 한데.. 5억의 60% 해도 3억이라서.. DTI가 내려가는것만 의미있는 정도라.) 단순 비교를 해볼까요? 4억 집 매매 -> 주담대 1.6억 5억 집 매매 -> 주담대 2.0억 6억 집 매매 -> 주담대 2.4억 7억 집 매매 -> 주담대 2.8억 까지 나옵니다.. 하지만 보금자리론!! 카드를 짠 쓰면 4억 집 매매 -> 보금자리론 2.8억 4.3억 집 매매 -> 보금자리론 3억 5억 집 매매 -> 보금자리론 3억 6억 집 매매 -> 보금자리론 3억 7억짜리 집을 사도 주담대가 2.8억이 나오는데 보금자리론을 쓰면 4.3억 짜리 집을 사는데 3억이 나옵니다.. (여기서부터 6억까지는 쭉 3억...) 즉 보금자리론을 쓸 경우엔 여력이 된다면 4~6억대 집을 구입하는게 가장 좋습니다. 또한, 보금자리론 카드 때문에. 집들의 가격이 생각보다 6억에서 1차 허들..이 걸리기 때문에 은근 물건들이 있습니다. 바꿔말하면 3억짜리 집 구입 시 -> 내돈 9천만원 필요 3.5억짜리 집 구입 시 -> 내돈 1억 5백만원 필요 4억짜리 집 구입 시 -> 내돈 1억 2천만원 필요 4억 3천짜리 집 구입 시 -> 내돈 1억 3천만원 필요 (* 취득세, 등기, 이사비, 복비를 제외시) 라서 여기까지는 '집값 올라가는거 대비. 실제 시드머니가 크게 오르지 않습니다. 이 이후부터는 오르는 족족 내돈으로 내야 하기 때문에 슬슬 압박감이 쎄지긴 합니다만.. 3. 보금자리론의 또다른 혜택은? 30년 고정금리 2.23% (우대 없이...) + 체증식상환가능 (만 40세 이하면).. 30년 고정금리는 현 저금리에선.. 안전성을 보장해줄 수 있고 (미래에 금리가 올르더라도 나는 고정이니) 체증식은 '당장 상환금액이 엄청 줄기 때문에, 이자 부담으로 인해 생활이 변하는 일을 막아줍니다.' 4. 종합하면? 만 24세부터(한국나이로는 25~26).. 돈을 1년에 천만원씩 모을 경우 만 30세가 되면 6~7천만원을 모을 수 있습니다. 여기에 신용대출 + 보금자리론을 합치면 4억초반 집 매매는 가능합니다. (시드가 더 많다면 더더 위로 가능하겠지요.) 추후 연애나 결혼까지 생각한다면. 전용 59를.. 입지를 좀 더 중요시 여기고 혼자 사신다면 전용 44~49까지는 조정하는것도 괜찮습니다. (이거보다 작아지면.. 나중에 팔기 어렵습니다 ㅜㅜ) 1인가구도 혜택을 받을 수 있는 몇 안되는 혜택이 보금자리론.. 이라고 보시면 될것 같네요. Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 133 Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 146 Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 161 10
이 게시판에 등록된 Leeka님의 최근 게시물
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150801 class="iamcmt" style="display:none;"> Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 66
150801 class='vcm '>
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 70
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 71
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 76
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 117
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 118
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 119
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 120
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 121
150801'> 오디너리안
Warning: Use of undefined constant mod_date - assumed 'mod_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 133
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 142
20/11/24 18:44
150801>삭제 주소복사
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 150
글내용과는 좀 벗어나는데 기존 보금자리대출을 3.3%고정이율로 받은사람들은 이율을 낮출수있는 방법이 없을까요?
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 171
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 171
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
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