industry-policy

Are Jeonse Loans Being Blocked for Single-Home Owners Too? Conditions Changing Next Year

The jeonse loan regulations for single-home owners scheduled to take effect in 2027 should be understood by distinguishing between the expansion of guarantee restrictions and the reduction of the guarantee ratio. Application varies depending on the ownership of apartments in the Seoul metropolitan area or regulated zones, whether they are rented out, and the actual residence history of the couple. This article outlines the scope of exceptions for new loans and maturity extensions, and presents criteria for reviewing housing and financial plans connected to deposit return dates and loan maturities.