(Seoul = Yonhap Infomax) Reporter Lee Hyeon-jeong = The Korea Housing Finance Corporation announced on the 24th that it would freeze the March interest rate of the special Bogeumjari Loan, a long-term fixed-rate, installment repayment mortgage loan.
However, it was decided to provide a preferential interest rate of 0.1 percentage point (p) even when applying and receiving face-to-face through a bank window.
Until now, the interest rate discount of 0.1%p was applied only when applying through the Internet through the electronic contract method.
Although the interest rate was frozen, the goldsmith explained that it is in fact effective to cut interest rates by 0.1 percentage point.
Accordingly, from March applicants, regardless of face-to-face or non-face-to-face, the interest rate will be 4.15% (10 years) to 4.45% (50 years) per year for the general type and 4.05% (10 years) to 4.35% (50 years) for the preferential type. Applied.
In addition, considering the maximum preferential interest rate of 0.8%p given to the socially disadvantaged class, low-income youth, newlyweds, and unsold housing, the preferential interest rate can be up to 3.25 to 3.55% per year.
Even for customers who have already applied for a loan, the interest rate cut will be applied if the loan execution time moves forward in March.
“The interest rate on 5-year government bonds rose by more than 40bp compared to the beginning of February, so the cost of financing the corporation has risen significantly,” said an official from the foundry industry.
Meanwhile, in order to resolve customer inconvenience, the goldsmith plans to expand the face-to-face application and acceptance bank limited to SC First Bank to IBK from the end of March at the earliest, and plans to further expand it.
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