감정평가받은 무허가건축물인데 이주비대출이 안 나오나요? :: 하우스존부동산신문

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감정평가받은 무허가건축물인데 이주비대출이 안 나오나요?

작성자: 최미경

조회: 5360 등록일: 2023-01-18

<font size="5">안녕하세요.최소장입니다. </font><div><font size="5"> <span style="letter-spacing: 0px;"> </span></font><p class="0"><font size="5"><o:p></o:p></font></p><p class="0"><font size="5"><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">Q.</span></font><font face="한컴돋움" size="5">감정평가받은 무허가건축물인데 이주비대출이 안 나오나요?  </font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">A.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">감정평가를 받았든 안 받았든 무허가건축물은 이주비대출이 안나옵니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">이주비대출은 말 그대로 정비사업구역에서 이주를 위해 일정금액을 금융기관으로부터 대출하는 것을 말합니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">보통 총 감정가의 </span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">60% </span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">정도로 무이자대출이 됩니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">말이 조합원입장에서 무이자이지 조합에서 부담하는 것입니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">이주비대출이자 또한 정비사업의 사업비안에 포함되어 있는것이죠</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">하지만 매달 조합원이 직접 대출이자를 내는 것이 아니기 때문에 무이자대출이라고 합니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">구역에 따라 이주비대출금액은 감정가의 </span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">60%</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">에서 </span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">10%</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">정도는 증감이 되는 경우도 있습니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">관리처분계획인가가 나고 철거전 이주단계에서 이주와 동시에 가장 많은 질문을 받는것이 이주비대출인데요</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">이주비대출이 실행되는데도 조건이 있습니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">이 것을 모르시고 계시다가 막상 닥치고 나면 현금흐름에 지장이 있을 수 있습니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">이주비대출이 된다고 생각하고 있다가 안 되면 돈맥경화에 걸릴 수 있는 것이죠</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">9</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">가지 사항에 해당하지 않은 분만 이주비대출이 실행되는데요</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5" color="#006bd4"><b><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">1.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">금융기관의 신용정보관리규약에 의해 현재 신용관리정보가 등록중인 자</span></b></font></p><p class="0">  <font size="5" color="#006bd4"><b>   <o:p></o:p></b></font></p><p class="0"><font size="5" color="#006bd4"><b><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">2.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">금융기관 등의 채무가 연체중인 자</span></b></font></p><p class="0">  <font size="5" color="#006bd4"><b>   <o:p></o:p></b></font></p><p class="0"><font size="5" color="#006bd4"><b><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">3.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">은행의 특수채권의 채무관계자</span></b></font></p><p class="0">  <font size="5" color="#006bd4"><b>   <o:p></o:p></b></font></p><p class="0"><font size="5" color="#006bd4"><b><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">4.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">은행의 여신업무방법서상 대출취급 부적격자로 확인된 자</span></b></font></p><p class="0">  <font size="5" color="#006bd4"><b>   <o:p></o:p></b></font></p><p class="0"><font size="5" color="#006bd4"><b><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">5.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">주택도시보증공사로부터 조합원 이주비대출보증서의 발급이 거부된 자</span></b></font></p><p class="0">  <font size="5" color="#006bd4"><b>   <o:p></o:p></b></font></p><p class="0"><font size="5" color="#006bd4"><b><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">6.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">대물변제 허위계약</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">,</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">이중계약 등의 사유로 정상계약자가 아닌 자</span></b></font></p><p class="0">  <font size="5" color="#006bd4"><b>   <o:p></o:p></b></font></p><p class="0"><font size="5" color="#006bd4"><b><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">7.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">조합원자격을 상실하거나 이에 준한 자격을 상실한 자</span></b></font></p><p class="0">  <font size="5" color="#006bd4"><b>   <o:p></o:p></b></font></p><p class="0"><font size="5" color="#006bd4"><b><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">8.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">대출신청 목적이 이주지원 목적이 아닌 경우 </span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">(</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">정비사업구역내 근저당권 및 제한사항 등의 해소를 위한 사항은 제외</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">)</span></b></font></p><p class="0">  <font size="5" color="#006bd4"><b>   <o:p></o:p></b></font></p><p class="0"><font size="5" color="#006bd4"><b><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">9.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">무허가건물만 소유하고 있는 경우</span></b></font></p><p class="0">  <font size="5"><b><font color="#006bd4"> </font></b>  <o:p></o:p></font></p><p class="0"><font size="5"><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">입니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">이 외에는 이주비대출이 실행됩니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">그러므로 위 </span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">9</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">가지에 해당하시는 분이라면 이주비 신청 접수전에 </span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">9</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">가지사항에 속하지 않도록 미리 조치를 취해놓거나 현금흐름에 지장에 없게끔 자금을 마련해야 이주단계에서 스트레스가 없게됩니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">1.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">신용불량자라면 신용을 회복해 놓습니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">2.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">채무가 연체중이라면 밀린 연체이자를 정산해 놓습니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">3.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">은행의 특수채권의 채무자라면 채무를 상환합니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">4.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">대출취급 부적격자라면 적격자가 될 수 있게 미리 준비합니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">5.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">법인이라면 개인명의로 변경하거나 임차인이 있다면 임차인의 보증금반환을 위해 현금을 마련해야합니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">이주비대출은 개인당</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">2</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">건이 가능합니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">기존에 </span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">2</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">건이 있다면 대출금이 작은</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">1</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">건은 상환 해지하시는게 유리합니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.(</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">이주비대출건수제한은 없으나 </span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">2</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">건이상시 은행자체적으로 심사들어갑니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">,</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">소득증빙만되면 추가가능</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">)</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">예외적으로 타구역 이주비대출 건수 상관없이 해당구역의 조합원이기만하면 이주비대출이 나오는 경우도 있으니 조합에 확인이 필요합니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">6.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">정상계약자가 아니라면 모든 것을 원천 무효시키고 정상계약으로 되돌려 놓습니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">7.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">조합원자격을 상실하였다면 조합원자격을 회복하는 방법밖에는 없으나 이 단계쯤 되면 조합원자격을 회복할 방법은 없습니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">8.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">대출신청 목적이 이주지원이 아닌 경우라면 목적을 이주지원으로 변경하면 됩니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">9.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">무허가건물만 소유하고 있는 경우는 원천적으로 담보대출이 안됩니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">이주비대출도 되지 않습니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">무허가건축물이 포함된 토지의 경우 무허가건축물감정가는 제외하고 토지감정가를 기준으로 이주비대출이 나옵니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">무허가건축물에 대해서는 소유권이 없기때문이죠</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">이주단계 전후까지 보유하고 있을 무허가건물이라면 매수당시부터 담보대출이 안되고 이주비대출도 안됩니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">이 때 이주비대출이 나온다생각하고 자금을 다른 용도로 쓸 계획을 잡고 있었다면 계획을 포기해야 합니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0"><font size="5"><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">무허가건축물이 포함된 토지같은경우에는 무허가건축물감정가는 제외하고 토지감정가액의 </span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">60%</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">가 이주비대출이 됩니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">위의 </span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">9</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">가지를 알지 못하신 분과 알고 있는분은 시간과 돈을 버시는 겁니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">건강도 챙기구요</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5"><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">그러니 이주비대출 안 나오는 </span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">9</span><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;">가지 사항에 속하는 분이라면 미리 미리 준비하시기 바랍니다</span><span lang="EN-US" style="mso-fareast-font-family:한컴돋움;font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></font></p><p class="0">  <font size="5">   <o:p></o:p></font></p><p class="0"><font size="5">감사합니다.</font></p><p class="0"><font size="5">행복한 부자되세요! </font></p><p class="0"><font size="5"><br></font></p><p class="0"><span style="font-family:한컴돋움;mso-fareast-font-family:한컴돋움;mso-ascii-font-family:한컴돋움;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><font size="5"></font></span></p><div id="hwpEditorBoardContent" class="hwp_editor_board_content" data-hjsonver="1.0" data-jsonlen="28091"></div></div>

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