When calculating local health insurance premiums, a maximum of 50 million won for an apartment mortgage loan is deducted.
Starting in July, 아파트담보대출금리싼곳 추천 when calculating the property premiums of local health insurance policyholders, financial liabilities for purchasing and renting a house for actual residence will be deducted.
Still, the entire loan amount cannot be removed.
This is because the upper limit of deduction is set at a maximum of 50 million won in the case of an apartment mortgage loan to prevent any violation of equity and fairness, such as borrowing large amounts of money and receiving more deduction benefits.
According to the Ministry of Health and Welfare, on the 23rd, one householder who bought a house with a published price of 500 million won or less or leased a house with a deposit of 500 million won or less and received an apartment-secured loan from a financial company under the Real Name Financial Act, etc.
If the first-generation homeless person applies to the National Health Insurance Corporation, the financial debt will be deducted when calculating property insurance premiums from July 아파트담보대출금리싼곳 대부중개.
For example, local subscriber A, who was homeless, received a housing mortgage loan of 400 million won from K bank on April 20, 2021, for residence, and built a 30-pyeong apartment with a property tax rate of 300 million won (announced price 500 million won) in Seo-gu, Gwangju in May 2021.
If you acquire it on the 1st of a month and apply for a deduction to the National Health Insurance Corporation, you can benefit from deducting the loan amount.
This is because, while buying a house below the price standard (the public price of 500 million won), the mortgage loan was received within three months of the acquisition date.
However, the entire loan amount of KRW 400 million is not deducted.
According to Article 42 of the Enforcement Decree of the National Health Insurance Act, only 60% of the total loan amount for housing purchases and only 30% for Jeonse guarantee is evaluated and recognized as the loan amount.
This is because the deduction amount was limited to Rs.
However, 아파트담보대출금리싼곳 조회 there is no upper limit for deductions for loans borrowed from financial institutions at the lease time.
Accordingly, in the case of Mr. A, only 50 million won is recognized as a loan by applying the upper limit of deduction to 60% of the home purchase loan evaluation (240 million won).
An official from the National Health Insurance Corporation said, “There is a fear that this may go against the purpose of the system to ease the burden of property insurance premiums on low-income and vulnerable groups, such as high-income earners who can borrow a lot of money from banks receive more deductions.
“I had ten million won,” he explained.
Starting in July, 아파트담보대출금리싼곳 주소 financial liabilities for purchasing and renting a house for actual residence will be subtracted from the calculation of property insurance premiums for local health insurance policyholders.
According to the Ministry of Health and Welfare and the Health Insurance Corporation, on the 11th, of July this year, local subscribers receive a loan from a financial company stipulated in the Real Name Financial System Act to purchase or rent a house below a certain standard for actual residence.
The fact is reported to the Health Insurance Corporation.
In the case of notification, the amended Health Insurance Act, which evaluates the loan amount and deducts it from the calculation of premiums, will come into effect. This is to ease the burden of property insurance premiums on low-income and vulnerable groups.
However, 아파트담보대출금리싼곳 비교 it does not apply to money transactions between individuals.
The Ministry of Health and Welfare recently announced the legislative and administrative Notice of some amendments to the Enforcement Decree and Enforcement Rules of the Health Insurance Act and the ‘Notice on the Method of Excluding Home Mortgage Loans when Calculating Local Subscriber Premiums’ and began preparations for implementation in earnest.
The amended Enforcement Decree, Enforcement Regulations, and Public Notices limited local subscribers subject to deductions to single householders or non-homeowners who received a mortgage loan from a financial company under the Real Name Financial Act, whichever is the earlier, within three months.
The standard for houses to be excluded from the calculation of the insurance premium score was set at a published price of 500 million won or less.
However, since the loan cases are so different, there are concerns about initial confusion, such as some people receiving deductions and others not getting deductions during the implementation process.
The National Health Insurance Corporation, which has to do mutual aid work on the spot, is worried that if the amendment bill is implemented, civil complaints will increase due to equity issues and reverse discrimination, causing business paralysis.
To minimize trial and error, the NHIS is preparing detailed deduction guides that can be applied to civil complaints based on the revised Health Insurance Act Enforcement Decree, Enforcement Rule, and Public Notice.
Based on the explanation of the National Health Insurance Corporation, among local subscribers borrowed from financial institutions, who can enjoy the deduction benefit or not will be introduced with specific examples.
Health insurance premiums are levied only on income (including income other than the monthly salary) for workplace subscribers according to the premium rate. Still, for local subscribers, it is levied by scoring again, property (including jeans and monthly rent), automobiles, and applying a unit price per point.
Property insurance premiums for local, insured persons are calculated based on the ‘property insurance premium rating table’ by taking 60% of the published price as a taxable table (standard taxation amount) and dividing it into 60 grades regardless of region. The rating exceeds 7.78 billion won.
1. Local subscriber A, a homeless person, bought a 30-pyeong apartment in Seo-gu, Gwangju, with an advertised price of 450 million won, after receiving a loan from Bank K as collateral for residence in April 20, 2021. 아파트담보대출금리싼곳 Her acquisition date was May 1, 2021.
In the case of Mr.
A, he received a housing mortgage loan within three months from the date of acquisition while purchasing a house below the price standard (the public price of 500 million won). Therefore, it is eligible for deduction. If you apply for a conclusion, the premium calculated by subtracting the loan amount from the housing tax table is calculated.
2. Local subscriber B, who was homeless, purchased a 30-pyeong (the publicized price of 760 million won) for residence in Mapo-gu, Seoul. Her acquisition date was May 1, 2021. She received a home equity loan from Bank W on April 20, 2021, and Mr. B.
Even if Mr. B applies to the National Insurance Corporation for deduction of housing finance debt, he is excluded from the conclusion because he bought a house that exceeds the standard (the listed price of 500 million won).
3. Local subscriber C, who was homeless, got a credit loan from Bank D on April 20, 2021, bought a house with an official price of 500 million won, and reported the acquisition on May 1, 2021.
In the case of Mr.
C, he is a single householder who bought a house below the deduction standard (the public price of 500 million won) and received a loan from a bank within three months from the acquisition date. Still, he will be deducted even if he applies to the National Insurance Corporation on July 1 to subtract the housing finance liabilities from the insurance premium calculation.
This is because, in the case of home purchase, only mortgage loans and Bogeumjari loans are recognized as deductible loans, and credit loans are excluded.
4. Local subscriber D, who is homeless, rented her house on cheese (a deposit of 500 million won) and borrowed a loan from Y bank during a credit loan. The loan date was April 20, 20’21, and the move-in date was May 1, 2021.
Mr. D is a homeless person who has received a bank loan within three months from the date of acquisition while renting a house that is less than the deduction standard (Jeonse deposit of KRW 500 million). Therefore, if you apply for a housing finance debt deduction with the National Health Insurance Corporation, the premium is calculated by deducting the loan amount from the housing tax table as it is a deductible house. < https://zionloan.com >
Rental loans that can be deducted for homeless people are the Jeonse fund loan, Jeonse fund (guarantee, pledge, etc.) loan, and Jeonse deposit secured 대부중개 아파트담보대출금리싼곳
5. Local subscriber E, a homeless person, purchased a house with an official price of 500 million won and reported the acquisition on May 1, 2021. However, Mr. E received an overdue loan from K bank, using her house as collateral, three months after her acquisition date. Her loan date was August 3, 2021.
Mr. E bought a house below the deduction standard (the publicized price of 500 million won). Still, he received a mortgage loan from a bank three months after the acquisition date, so she cannot be considered a house purchase loan for living, so she does not receive deduction benefits.
6. Local subscriber Mr. F, a single-family homeowner, received a mortgage loan from Bank K on April 20, 2021, and purchased another house on May 1, 2021.
Mr. F received a mortgage loan from a bank within three months from the date of acquisition while buying a house below the deduction standard (the publicized3 price of KRW 500 million). can’t