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홍차넷
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티타임
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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 20/11/27 00:13:10 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 | 부린이 특집 2호 - 집 매매시 주담대는 얼마나 나올까? |
1. 기본적인 LTV 조건 9억 이하 -> LTV 40~70% (규제지역 유무, 디딤돌&보금자리론같은 특별 정책 유무에 따라 변동) 15억 이하 -> 9억 초과분에 한해서 LTV 20%~60% 적용 (규제지역 유무등에 따라 달라짐) 15억 초과 -> 0원!! (그냥 0원입니다. 15억 이하분을 주고 이런거 없이 아에 주담대 불가능.) 인서울 핵심지를 산다면, 15억 딱 맞췄을때 4.8억이 나옵니다. 규제 하나도 안받는 지방을 산다면, 15억 딱 맞췄을때 10.1억까지 주택담보대출이 나옵니다. 2. 그렇다면 LTV가 40%인 경우, 9억짜리 집을 사면 9억의 40%인 3.6억이 나오는건가요? 그럴수도 있고.. 아닐수도 있습니다. 부린이가 하는 가장 큰 착각은 '내가 사는 매매가' 기준으로 LTV를 계산해서 규제와 주담대가 적용된다고 생각하는건데요. 노노.. 내가 사는 매매가 or 'kb 시세' 중 '높은 금액 기준으로 규제'가 적용되며 실제 대출을 받을때는 '낮은 금액 기준으로 대출' 을 해줍니다. (법적으로는 국세청 기준시가, 감정평가업자 감정평가액, 한국감정원 가격, KB 시세 중 하나를 쓰면 되는데. 99.9%로 kb 시세를 사용합니다. 이게 없으면 한국감정원, 이거도 없으면 감정평가업자 평가액.. 순으로 보통 사용합니다.) 즉 내가 집을 15억에 사더라도, kb 시세가 15억 1천만원이면. 15억 초과에 걸려서 주담대를 받을 수 없습니다. 내가 집을 6억에 사더라도, kb 시세가 6억 1천만원이면. 6억이 넘기 떄문에 보금자리론을 받을 수 없습니다. 또한, kb 시세보다 30% 이상 싸거나 or 3억 이상 싸거나. 에 해당하게 되면 세무서에서 출동해서 세금을 신나게 더 때립니다. Q1. 왜 높은 금액 기준으로 규제가 적용되나요? A1. 안그러면 17억짜리 집을 살때. 15억에 산다고 써서 규제를 피하면서 뒤로 2억을 더 챙겨주는 다운계약서 등으로 우회가 가능해서. Q2. 규제는 높은거 기준으로 하면서, 빌려주는건 왜 낮은 금액 기준으로 빌려주나요? A2. 안그러면 5억짜리 집을 사는데 매매가를 10억으로 업계약서 쓴 뒤에 대출을 7억씩 받아버리는 방법이 가능해서. Q3. 왜 시세보다 일정 수준 이상 사게 팔면 세무서에서 출동하나요 A3. 증여를 우회적으로 할 수 있기 때문에, 정해진 시세 범위보다 일정 가격 이상 싸게 팔면 추가 세금을 매기게 되어 있습니다. 3. 그럼 kb 시세는 어디서 확인하나요? https://onland.kbstar.com/quics?page=okbland 여기서 확인할 수 있습니다. 포인트는 시세가 이렇게 3가지로 나오는데요 '저층이면 하위 평균가가 kb 시세 기준' 이 되며 그 외 층의 경우 '일반 평균가가 kb 시세 기준' 이 됩니다. (상승장에선 실제 구입하는 사람은 상위 평균가 전후를 주고 사는게 보통입니다 ㅜㅜ) 일반적으론 계약서를 쓰고. 대출 승인이 나기 전까지 kb 시세가 오르는게 주담대 금액도 커지고 더 좋은데요. 위에 적은것처럼 '보금자리론을 받았는데 kb 시세가 6억이 넘거나 고가 주택을 매입했는데 kb 시세가 15억이 넘거나.. ' 하면 대참사가 나기 때문에 그런 경우에는 주담대 승인을 최대한 빨리 받아서 시세가 넘어가기 전에 실행하시는게 좋습니다. 또한, kb 시세는 매주 금요일에 나옵니다. (주 1회 갱신) 4. 마무리 그런면에서 위 리브온 사이트에서 집 몇개만 눌러보셔서 실거래가 추세랑 kb 시세 비교해보시면.. kb 시세가 호가 반영해서 부풀려졌다는건 헛소리라는걸 알 수 있습니다. 서울/수도권에 있는 대부분의 아파트는 다 kb 시세가 최근 1~2달간 실거래가보다 더 쌉니다.. 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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목록
Warning: Use of undefined constant is_admin - assumed 'is_admin' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_foot.php on line 11 |
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