- 생애최초 주택 구입 혜택 3가지
- 주택 구매 이력이 한 번도 없을 때, 처음으로 주택을 구입하는 것을 생애최초 주택 구입이라고 하며, 생애최초 주택 구입자는 정부에서 3가지 혜택을 받을 수 있습니다. 이번 글에서는 생애최초 주택 구입 혜택 3가지 대출, 세제, 공급에 대해 자세하게 안내해 드리겠습니다.
First-time home purchase, marks the first step toward achieving your dream of owning a home. The government provides various benefits to support this first step. However, with so many benefits available, questions naturally arise about what benefits exist and how to receive them. This article comprehensively summarizes the benefits available when purchasing a home for the first time, and provides additional information to help those preparing to buy their first home.
Why should you receive the first-time homebuyer benefits?
- Stable Housing Life: Unlike jeonse (Korean long-term lease) or monthly rent, you can live in your own home without worrying about the lease period.
- Asset Value Appreciation: Your asset value may increase as house prices rise.
- Retirement Preparation: You can build a foundation for a secure retirement.
What are the benefits of first-time home purchase?
The benefits of first-time home purchase can be broadly divided into three categories.
First-Time Homebuyer Benefits
1. Loan Benefits: You can receive a large loan at a low interest rate through the first-time homebuyer loan program.
2. Tax Benefits: You can reduce your initial burden through acquisition tax reduction benefits.
3. Supply Benefits: You can receive priority allocation of new apartments through the first-time homebuyer special supply program.
Details of each benefit?
- First-time Homebuyer Loan:
- Loans available at low interest rates
- Loan limits and interest rates are subject to change, so please inquire with the relevant institution.
- Eligible for application if income and asset criteria are met.
- Acquisition Tax Reduction:
- Reduction up to KRW 2 million when purchasing a home valued at less than KRW 1.2 billion.
- Restrictions on residence, lease, and sale for a certain period.
- First-Time Homebuyer Special Supply:
- Eligible for application if criteria such as Housing Savings Account subscription period, number of payments, income, and assets are met.
- Applies to various housing types, including public housing and privately developed housing.
- High competition rate, thorough preparation required before applying.
Precautions for First-time Home Purchase
- Carefully check various eligibility requirements: Various eligibility requirements must be met, including income, assets, and Housing Savings Accounts.
- Possibility of Benefit Changes: Benefit details may change depending on government policies, so you need to check the latest information.
- Expert Consultation: Since purchasing a home is a big decision, it is good to get customized information through consultation with a real estate expert.
Additional Information for a Successful First-Time Home Purchase
- Application Information: You can check application information and develop an application strategy through the LH application center, Apt2You, etc.
- Tax-Related Consultation: In addition to acquisition tax reduction, it is advisable to receive consultation on various tax-related matters, such as capital gains tax.
- Financial Consultation: Through loan consultation, you can select a loan product that suits you.
Frequently Asked Questions (FAQ)
- What are the eligibility requirements for first-time home purchase?
- You must be a head of a household without a history of home ownership. For details such as income and asset criteria, please contact the relevant institution.
- Is the competition rate for the first-time homebuyer special supply high?
- Yes, it is very high. Thorough preparation is necessary before applying.
- Until when can I receive the acquisition tax reduction?
- It may change depending on government policies, so you need to check the latest information.
- What kind of home should I choose when purchasing a home for the first time?
- You should carefully select a home based on your income, assets, and living environment.
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