Q.매매계약서에 명의변경할 수 있다는 특약 넣어주실 수 있죠? :: 하우스존부동산신문

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Q.매매계약서에 명의변경할 수 있다는 특약 넣어주실 수 있죠?

작성자: 최미경

조회: 6610 등록일: 2021-09-14

<font size="4"> </font><span style="color: rgb(34, 34, 34); font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" font-size:="" 17px;="" font-variant-ligatures:="" inherit;="" font-variant-caps:="" font-weight:="" font-style:="" letter-spacing:="" 0px;="" white-space:="" pre-wrap;"="">안녕하세요.최소장입니다. </span><div class="se-component se-text se-l-default" id="SE-4829374b-9e5d-4e7a-9086-c0ceb58ff13d" style="margin: 20px 0px 0px; padding: 0px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-stretch: inherit; font-size: 16.002px; line-height: inherit; font-family: se-nanumgothic, " b098눔고딕",="" nanumgothic,="" sans-serif;="" vertical-align:="" baseline;="" position:="" relative;="" color:="" rgb(0,="" 0,="" 0);="" letter-spacing:="" normal;"=""><div class="se-component-content" style="margin: 0px auto; padding: 0px 20px; border: 0px; font: inherit; vertical-align: baseline;"><div class="se-section se-section-text se-l-default" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-a33488e5-f20b-40c9-9544-b6fe54a8aff4" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-855c0fd9-39fe-4fe0-a7a0-c658aa0a03a4" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">매도인이 사무실 출입문을 열고 들어오십니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-f028069b-d006-487b-a258-cf60435b30c0" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-a979ae86-02fe-4e25-b8f3-9c9fce8bc133" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">잠시후 매수인이 사무실 출입문을 열고 들어오십니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-4a603120-2951-48b5-abc4-0e02ff5b1d4b" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-008798bc-5fcc-4dbc-bdf0-89b6ec31d8ad" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">기분좋게 인사를 나누십니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-d2b862cf-d2cf-45a1-8fab-0806f5ecbcdc" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-3f622ba9-ce38-4b72-9201-0942ca1d5d08" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">계약을 잘 마무리하고 기분좋게 인사를 나누고 가십니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-99bb94c5-9c5e-4808-9d01-80592c2d9f58" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-86766287-0ef6-4bf2-9bab-e605b1a094e7" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">이 것이 제가 늘 원하는 상황입니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-cb8ad93f-45cd-45f8-914d-41ff7ad88524" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-59f53359-849c-4ca4-9a43-6569d8dbd34e" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">그러나 이런 경우는 참 흔치 않은 풍경입니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-35283613-18a2-499b-ad52-54476b661c4d" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-823c4e37-aef1-4af2-8738-6e66e9e2831b" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">특약20개로도 30분만에 계약을 마무리하고 인사하고 기분좋게 가시는가 하면 특약 하나만으로도 30분이상을 실갱이 하기도 합니다. 계약시간이 1시간 반~2시간까지 소요되기도 합니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-41240859-053d-4494-8b6b-a5012303a6db" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-ff5a3cc6-1a66-41cb-ae9e-e8dfb5b2e896" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">한 줄의 특약 정말 중요합니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-bfbe56de-4534-402d-8f6b-1bb920d1aa98" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-5da57457-a061-41b7-b723-0188d9d7128a" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">거래당사자인 매도인과 매수인의 이익을 위한 소중한 한 줄이기도 하고 분쟁을 예방하기 위한 소중한 한줄이지요. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-a368019a-933b-48f5-bf86-fb5715694130" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-5328bf1b-9783-4847-a23b-6f6b9602163f" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">특약관련 수 많은 질문들중 하나 뽑아봅니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-1886c22c-a420-4a0d-a1f2-7241e18167ae" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-bdc47f91-f633-47b5-bd1b-622031ce6e2f" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">어제도 매수인에게 들었고 매도인에게 왜 이걸 넣는 것이며 왜 동의가 필요한지 말씀 드렸고 동의를 받고 특약을 넣었기 때문입니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-8b88f45a-fbbb-46d7-9720-e6cb72e8e55a" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-23fc08ff-b359-4b6b-a4da-8862fff13a18" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">오늘도 어제와 똑같이 이 특약에 대해 반복할 예정이네요. ^^</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-358bb171-159b-401b-a406-a156943ba7b7" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-10d3243e-a079-4fd6-88f9-246407b3e33f" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"=""></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-7f9ac7ef-4f62-463e-9ff8-d3238c6d4e75" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-8144a128-9419-4f63-aac1-b537457ed6ec" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"=""> Q.매매계약서에 명의변경 할 수 있다는 특약 넣어주실 수 있죠?</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-8341e733-fbc5-4e72-928b-cc5dd5d72bbb" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-5bc6b449-ae0b-4683-aae7-ec75526be1d6" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">A.네.매도인의 동의하에 넣어드립니다. 매도인들도 지금까지는 100% 동의하셨습니다. 매도인분들께 왜 동의를 부탁하는지 상세설명을 해드리기 때문에 이해들 하십니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-8c719c44-b4e8-4965-81de-f5824e63ec8b" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-92160360-5854-4ec5-bdb8-bbbe72d9f1c6" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"=""></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-d635f024-a9cd-45b9-985d-2afef5685e7c" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-c8577d94-9b46-4c9d-9b3b-113683758ca0" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(255,="" 0,="" 16);"="">"매수인 명의변경사유 발생시 매도인은 매수인 명의변경에 대해 동의 및 협조키로 한다."</span></p><p class="se-text-paragraph se-text-paragraph-align-left " id="SE-77685e20-d918-4b6e-9bca-2a9b3dd7216e" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.3; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs13 se-ff-system  se-style-unset " id="SE-88e96886-808d-4947-8045-69fea17a90f9" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 15px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(0,="" 0,="" 0);"=""><span style="font-family: inherit; font-weight: 700; background-color: inherit;"></span></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-1b0d77ee-8696-4ebf-bfaf-80fe1d023395" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-5d9dc06c-7214-48ad-bff6-71b91d55eceb" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">명의변경 특약을 왜 꼭 넣어야 할까요? </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-f1cf8107-7b89-44c8-8645-ddb0ad80e9cd" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-c0441d23-f229-41a3-b169-ff405bf53454" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">첫 번째는 취득세 중과때문입니다. 취득세 중과 정책으로 인해 1%의 취득세를 납부하는 줄 아셨다가 8%,12%를 내야하는 경우가 있기도 하기 때문입니다. 취득세를 간과하고 계셨다가 취득세의 부담액에 깜짝 놀라셨다가 대응책으로 1%의 취득세를 낼 수 있는 명의로 명의변경을 하는것이 최선이라는 것을 알 수도 있기 때문입니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-39715921-347c-44a9-9f81-9f2bed733ba2" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-c8770197-39b5-41b2-91e9-323dc6e0f12c" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"=""></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-cd5ef037-d9d4-4b80-9ef8-a8614ea82e71" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-b6a774c0-de5f-4bea-93a5-e7af4ed61c7c" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">두 번째는 정부가  '가계부채 관리방안'에서 주택담보대출, 신용대출 등 가계 대출이 통합적으로 관리될거라고 밝혔기 때문입니다. 규제의 단계가 높아갈수록 대출가능액이 줄어듭니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-d712f13b-a8f5-4ddb-baa9-3190748e5229" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-61a1b30b-c482-4673-a82d-9e76ad1e795b" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">1단계 : 2021년 7월부터 전 규제지역 6억초과 주택,신용대출 1억초과에 대해 대출을 받을 때  차주별(개인별) DSR 40%,</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-4d172e17-69d0-43aa-8c64-67d65778a7a2" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-f1b20c6f-0481-4ca2-b15f-96429a3ef6b1" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">2단계 : 2022년 7월부터는 총 대출액 2억원 초과하면 차주별(개인별) DSR 40%,   </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-6a180f3c-8d79-4536-9d7d-e77a7ef62ff9" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-7b717dbd-a51f-488a-b747-05efff3d7ebf" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">3단계 : 2023년 7월부터는 총 대출액 1억원이 초과하면 차주별(개인별) DSR 40%</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-60c5ccb8-606f-4723-82a6-d5b86e125ad8" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-762fd60a-4c4d-43fb-aabb-a17026796909" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">2023년 7월부터는 아파트 뿐만아니라 오피스텔, 토지 등 비주택담보대출 취급 시에도 DSR 40%를 적용할 예정입니다.</span></p></div></div></div></div><div class="se-component se-image se-l-default" id="SE-09252c64-9d07-423f-8c20-8543000588f9" style="margin: 20px 0px 0px; padding: 0px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-stretch: inherit; font-size: 16.002px; line-height: inherit; font-family: se-nanumgothic, " b098눔고딕",="" nanumgothic,="" sans-serif;="" vertical-align:="" baseline;="" position:="" relative;="" color:="" rgb(0,="" 0,="" 0);="" letter-spacing:="" normal;"=""><div class="se-component-content se-component-content-fit" style="margin: 0px auto; padding: 0px 20px; border: 0px; font: inherit; vertical-align: baseline;"><div class="se-section se-section-image se-l-default se-section-align-" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><div class="se-module se-module-image" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline; position: relative;"><a class="se-module-image-link __se_image_link __se_link" data-linktype="img" data-linkdata="{" id"="" :="" "se-09252c64-9d07-423f-8c20-8543000588f9",="" "src"="" "https:="" mblogthumb-phinf.pstatic.net="" mjaymta5mtnfmzgg="" mdaxnjmxntm1otkxmdg2.uwznehvt6v26p9juvwrncy8ms93q5onaxjwg2vps_7sg.qwauofp2op6tficeggoz9ftbiohllgyq1noicmse8fkg.jpeg.flowermaru2968995="" %ec%a3%bc%eb%8b%b4%eb%8c%80.jpg",="" "originalwidth"="" "808",="" "originalheight"="" "195",="" "linkuse"="" "false",="" "link"="" ""}"="" area-hidden="true" style="color: rgb(0, 0, 0); -webkit-tap-highlight-color: rgba(0, 0, 0, 0.1); margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline; position: relative; display: block;"><img src="https://mblogthumb-phinf.pstatic.net/MjAyMTA5MTNfMzgg/MDAxNjMxNTM1OTkxMDg2.UwZNeHvt6v26P9jUVwrnCY8Ms93q5OnaxJWg2VPS_7sg.qwAUofP2oP6TFICeggOZ9FtBIOhLLGyq1NoICMSe8fkg.JPEG.flowermaru2968995/%EC%A3%BC%EB%8B%B4%EB%8C%80.JPG?type=w800" data-lazy-src="" data-width="693" data-height="167" alt="" class="se-image-resource _lazy-loading-target-image" style="max-width: 100%; vertical-align: top; margin: 0px; padding: 0px; font: inherit; position: relative; width: 320px;"></a></div></div></div></div><div class="se-component se-text se-l-default" id="SE-02d6de51-78b3-41e6-be0b-3a66d168ec2c" style="margin: 20px 0px 0px; padding: 0px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-stretch: inherit; font-size: 16.002px; line-height: inherit; font-family: se-nanumgothic, " b098눔고딕",="" nanumgothic,="" sans-serif;="" vertical-align:="" baseline;="" position:="" relative;="" color:="" rgb(0,="" 0,="" 0);="" letter-spacing:="" normal;"=""><div class="se-component-content" style="margin: 0px auto; padding: 0px 20px; border: 0px; font: inherit; vertical-align: baseline;"><div class="se-section se-section-text se-l-default" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-01f79299-daf4-4441-b459-a571136e997c" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-cd9d9e35-087f-41c2-9699-4eeefcad2e39" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">DSR이 무엇이길래 매수인분들이 계약하기도 전에 계약을 두려워 하는 것일까요? </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-5fd54222-4563-4679-8f0c-78ae20964a59" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-7584031d-54b4-414a-8aa0-6113f9d2e9a6" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">바로 대출때문에 잔금지옥에 빠질 수 있기 때문입니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-d88b9aca-8a84-405c-805e-e90021fdcb46" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-e0d96553-130a-4697-85a5-a7ee0716ecd4" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">DSR(Debt Service Ratio)은 총부채원리금상환비율을 말하며 모든 금융권 대출의 원리금 상환액을 연소득으로 나눈 비율입니다.  </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-f381207d-7cd1-4bbe-8bdf-e74467170d66" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-a7e42b5e-ed8f-4f3b-8ad3-fd39c93c54ec" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"=""></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-c5775cb0-59d7-4841-841b-822655c6ceb1" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-f45c8f56-c648-4b56-abd4-66a5ffdd4f44" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">차주별(개인별) DSR 규제는 대출 신청일 기준임을 기억해야 합니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-d87a9afd-cbac-4680-9ead-571b0af3bf24" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-9adee0b0-4575-4d2f-a6a3-cec0659a5fe2" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">규제가 내려올 것 같다 하면 대출 신청일을 계획보다 앞당겨야 하는 이유입니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-068ed9d1-c5a1-4707-8f2d-26dce594bb42" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-b4b7c81b-307c-4024-85e5-c980ec8890ca" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">DSR 확대 적용 이후 대출을 신청하는 사람은 강화된 DSR 규정이 적용됩니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-8f6bfcbc-9ab5-4699-82e8-a124ccd31533" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-3facb005-57f7-4971-b427-365042807253" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">예외적으로 차주별(개인별) DSR 규제가 적용되지 않는 곳이 있습니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-a3b36d98-6241-4cd6-a176-90bd837d5e47" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-77f75fd6-61fb-4454-802a-1a1e81b7fe77" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">1.아파트를 분양받은 경우 중도금 대출</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-71124afa-5646-4266-8e58-94f820f282ac" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-960fd44c-d660-4fe3-9cd2-6171a1eaf9ce" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">2.전세자금 대출</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-968e74eb-8b86-40e2-a7bb-a0cb9367afd6" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-4161a683-17bd-4856-b843-0d315a1f5d00" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">3.예적금 담보 대출</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-c9a69fdf-3512-4103-9a7b-c968d0f9b545" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-cfe2c67a-d4b4-44cf-9264-c7259dd87934" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">4.보험계약 대출</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-99b751ee-48de-40ae-a74c-41f8aee5c111" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-4f3a2db7-6d3f-4801-af91-fce260ab0bfd" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">5.서민금융상품 등 정책 상품</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-af03018a-29c5-46c6-b303-1488777a93c4" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-58ac28a3-2647-4d8f-a516-6e1b2dbcaf6a" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">6.300만원 미만의 소액 대출</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-278e2d9f-9259-4030-8731-ba1f3bcc49f3" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-9a2adfe2-b496-423e-bf83-d5e174d249fd" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">위의 6가지만 차주별(개인별)DSR규제가 적용되지 않습니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-7b5707ab-c53a-449d-b922-46a226810b59" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-682561eb-e195-4769-bf27-140c1a414be8" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">이제는 DSR 계산이 대출시 필수적으로 해야하는 절차가 되었습니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-cd7c6aaa-1a89-4053-b910-6f96faf96dd7" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-cf4d0e7f-d250-4f66-a7a9-a6577356fd21" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"=""></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-cc86e32c-3184-4294-ab2a-69094485e935" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-74532a58-19d8-4240-b162-23deb5b40451" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">지금은 2021년 9월입니다. 2021년 7월부터  전 규제지역 6억초과 주택,신용대출 1억초과에 대해 대출을 받을 때  차주별(개인별) DSR 40%가 적용되는 1단계 구간입니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-6400ef4a-0ed7-435b-af31-5e8a3541cfc9" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-b95c0d58-b79a-42e9-bd71-efd8e0489d05" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">꽃마루부동산은 비규제지역인 창원시 마산합포구,마산회원구,진해구 매물을 전문적으로 중개합니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-533ba2b6-ca35-4e5a-94ed-87c82a92b42b" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-ba9e3c25-f2fa-4188-8f03-6ca6002ff7e5" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">창원재개발 재건축 전문으로 합성2구역,회원2구역,자산구역,교방1구역,상남산호구역(지구),반월구역,문화구역,양덕2구역,양덕3구역,양덕4구역,경화구역,대야구역을 중개하고 있습니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-7cf868bc-2111-4aa8-85f0-eb783a426e45" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-d904bb43-b54c-4e70-bec5-b8d630b534af" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">DSR 40%가 적용되는 규제지역이 아닙니다. 비규제지역입니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-02d848ed-d6d5-4cbe-88af-b0e76babe660" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-4bdfaeba-0b66-44e2-884b-7b98e745fe1d" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">그렇더라도 최근에 우리은행,SC제일은행,농협중앙회,카카오뱅크,NH농협은행등 각 은행의 대출중단 조치에 따라 개인 대출상담이 증가하고 있다고 합니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-97a7b922-6bc1-448d-8387-57a34060b40d" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-54bc0d79-f26b-47ea-b64d-726f706cd175" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">그도 그럴것이 부동산 매매계약에 있어 가장 중요한 것이 자금마련이기 때문이죠.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-0d2f4803-b049-4981-952c-a520fbc60af6" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-91bc21bc-c626-49ec-a5c0-e52b9dd49caa" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">반드시 계약금 입금 전 은행에서 나의 소득 대비 대출가능금액을 미리 파악하셔서 소중한 돈과 시간,건강을 지키시길 바랍니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-14b02e39-bf2e-44ff-8308-772e7993def6" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-e8573813-759b-4463-b482-aff15f50ee2c" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"=""></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-516b81ec-6d87-4b83-88a9-7e5a2fcbfc0c" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-249fc666-3ade-4a30-a3f2-073337e2c75b" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">많은 실수요자 및 투자자분들이 정책 발표 전과 후에 부동산 계약서를 쓰시기를 두려워 하십니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-3c980f5d-b059-4d04-9ddf-6273db5594da" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-3cc88b13-4431-48af-8d34-326390155792" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">그 두려움 해소해 가며 부동산 계약을 이어가겠습니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-c3fd645a-5fa6-4c83-ae7f-07d789d779ea" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-333671ca-cccf-4e26-aafd-b6298ef401e8" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">두려움 해소를 위한 부동산 정보 나눔 시간 도움이 되셨나요?</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-5800bbd1-89ca-43f4-ba1a-7a92caf77f25" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-5f421c47-9476-4226-b6de-b8fcacb3080e" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">계약부터~잔금까지 함께하겠습니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-d8a58cd9-84a4-410e-8c0d-07b09a9fd3c2" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-38d6a5d8-4be0-4d0b-9dca-74155212c267" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">매물검색은 창원하우스존 아시죠? ^^</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-23223a73-bb47-4df2-a813-f52c6e1d1d8b" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-9f84358e-8654-4650-b3f3-db14406f129c" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">행복한 부자되세요!</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-e7761d4e-8a26-4b32-9a38-c1ade5b9cdd9" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-a5b71996-f815-4727-acad-148e4a698190" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"="">감사합니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-172b69d1-36b2-46da-80de-bf6ac8159cf6" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-623c08ce-ccfd-4095-b0ab-0285a77bb6a2" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"=""></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-1e082d9a-efc1-42a7-ac52-23db97ce62e4" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8125; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system  se-style-unset " id="SE-299c432e-9755-4bf7-900d-eaa4620dd9e6" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 17px; line-height: inherit; font-family: HelveticaNeue, " helvetica="" neue",="" helvetica,="" applesdgothicneo,="" arial,="" "malgun="" gothic",="" "맑은="" 고딕",="" sans-serif;="" vertical-align:="" baseline;="" color:="" rgb(34,="" 34,="" 34);"=""></span></p></div></div></div></div>



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