(1)First of all, special purchase of newborns and lease loans in the first month of the new year
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(2)The target will be newly established. Homeless households that gave birth within two years of the loan application date will be applied from the birth in 2023. In the case of home purchase loans, the annual income of 130 million won or less is the qualification standard, and the interest rate starts at 16. Once set, the interest rate is fixed for five years
(3)If an additional child is born after a special loan, the interest rate will be cut by 02 points per newborn baby, and the fixed period of the special interest rate will be extended by another five years. The government designed the special interest rate to be applied when giving birth to two children for up to 15 years. For example, if the interest rate is initially applied at 16 and then two more children are born, the interest rate will fall to 12 per year
(4)In the case of jeonse loans, deposits of 500 million won in the Seoul metropolitan area and 400 million won in the provinces will be lent up to 300 million won at interest rates of 11~30 million won per year with assets of 361 million won or less and annual income of 130 million won or less Both home purchases and lease loans apply to the first interest rate received for five years. It provides an additional rate cut of 02 points per person for additional childbirth
If you get a loan and have a second child within 5 years, you extend it to 14 for another 5 years
If you have the third child, it’ll be 12 and extended for 5 years