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Starting today (27), if you buy a house after the 27th in a controlled area, an overheated speculation zone, or a speculation zone, you must pay for a financing plan regardless of the price of the house. The Ministry of Land, Infrastructure and Transportation announced that from this day on, some revisions to the decree of execution of the Report on Real Estate Transactions, etc. will be implemented.
This means that if you buy a house in a regulated area, you must provide detailed information on how to raise funds, such as the balance of deposits with financial institutions, the number of shares sold, and loans to financial institutions, regardless of price. Wouldn’t the apartment lease be canceled if it was written incorrectly? When to send all supporting documents … Concern grows.
Especially for those who won the apartment, the joy of winning is for a while, and they have a headache to write the financing plan. Maeburi TV, the YouTube channel of Maeil Economic Daily Real Estate, will teach you how to easily write a fundraising plan with Woo Byung-tak, manager of the Shinhan Bank Investment Advisory Center (tax accountant).
-How is the implementation of the current financing plan different from that of the past?
= Until now, the regulatory finance plan had only to be submitted for transactions with a house price of 300 million won or more. However, as of this revision of the enforcement ordinance, the filing objective has been extended to all houses. The submission of supporting documents was also limited to housing transactions exceeding KRW 900 million in the overheated district, but was switched to all transactions.
– What if I do not comply with the financing plan?
= If you do not submit the financing plan or submit a fake shipment, you will be subject to a penalty of 5 million won, and if you do not submit the money-related data correctly, you will be subject to a fine of up to 3 million won. For those who have won the apartment, there is no penalty or cancellation of the right of sale for not presenting or incorrectly completing the financing plan.
-Where do you use the intermediate payment loan?
= If you receive a mortgage loan at the time of the subsequent balance, you can write it in the mortgage box. If you only receive a medium-payment loan, you can enter “Medium-payment loans” for “Other loans.” However, since the interim loan will be received in the future, you can send a letter of reason for no-show and write “I plan to receive an interim loan in September.”
-I plan to rent an apartment when I move in. I’m going to pay the balance with the jeon tax. Where is the jeon tax less?
= You can put it in the rental deposit box. However, since there is no global agreement, you can submit a statement of reasons for no-shows.
-By the way, for example, I made a plan under the assumption that I will be renting 600 million won. Is it okay if the rented amount changes when I actually move in? Or is it okay to move out without a letter when you move out?
= It’s okay if it’s a good enough range. The purpose of this law is to determine the origin of suspicious funds in real estate transactions, so the case is that the financing plan is not presented. (* As a result of inquiries to the Ministry of Lands, Infrastructure and Transport, it would be difficult to confirm whether the financing plan was implemented upon moving three years after the move, as it is to confirm suspicious financing transactions, saying: “No is it really insufficient to verify all the financing plans? “” He says.)
Example of a financing plan. The intermediate payment loan is written in the column for the other loan.-When you move, you will receive a mortgage loan. I don’t have any documentation to prove it because it is in the future.
= You can also write a statement of reasons not to send. It’s okay if you submit a separate application form or bank loan inquiry details and it’s not a fake.
-I live a charter with money given by my parents. With this deposit, we will provide the balance when you move out.
= At this point, when creating a financing plan, you can complete the real estate disposition amount even if you received funds from your parents. However, in the future, when an investigation is conducted into the source of jeonse’s money, you may be subject to gift tax for receiving a donation and not reporting it.
-He won the newlyweds on behalf of his wife. The wife has no income. I plan to use my husband’s salary and deposits to finance the apartment, in this case, can I minimize the amount of my husband’s account?
= In most cases, if the amount between you and your husband is less than 600 million won, you can deduct less than 600 million won between the couple, so there is no problem if you transfer the money from the account of the husband to wife’s account. However, if the funding of the person and the spouse exceeds 600 million won, the wife will receive a gift from her husband, and if it exceeds 600 million won, it must be indicated as the gift amount.
-There are about 3 years left until I move after winning, during that period I will collect my salary and add it to the balance. This salary collected is a future plan, but in which column is this salary written? And this has not happened yet, so I have nothing to prove what should I do?
= Write ‘Other assets’ and write the title as future salary, but you can submit a document showing salary or write a reason not to present it as future salary.
-I am going to lend money to my relatives to help with the balance, how do I do it?
= If you are borrowing from a family member, you can put it on other loans. And in ‘Other relationships’, note as relative. You must have proof of your loan card. If it is a family transaction, it should be more accurate. You have to fill out the loan card like anyone else and everyone else, pay interest and pay off the due date with little. It must be applied at an annual interest rate of 4.6% for special relationships between parents and children. If you make the interest ridiculously low,
You may be suspicious of a gift.
Other financing preparation plans can be found on Maekyung’s YouTube channel, Maeburi TV.
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