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손에 잡히는 경제

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[상담소] 3/17(월) 곧 신축아파트 입주인데, 청년주택드림대출을 기다려볼까요?

[상담소] 3/17(월) 곧 신축아파트 입주인데, 청년주택드림대출을 기다려볼까요?

2025-03-17
Download Right click and do "save link as"
[고민사연] 안녕하세요. 청년주택드림 청약통장을 가입해 올해 4월 분양입주를 기다리고 있는 청취자입니다. 작년 12월에 대출상품이 나온다고 했다가 올해 2월로 밀리더니 또다시 올해 상반기로 미뤄진 상황입니다. 다른 대출을 통해 잔금납입은 가능한 상황이지만, 생각했던 금리보다 훨씬 높은 금리의 대출을 이용해야 되는 상황이라 걱정이 큽니다. 지금 생각하고 있는 선택지는 4가지인데요. 이중에서 가장 유리한 걸 딱! 골라주시면 좋겠습니다. 1번, 청년주택드림대출 출시를 기다려 본다. 2번, 나중에 중도상환수수료를 내더라도 집단대출을 받는다. 3번, 금리가 높더라도 중도상환수수료가 없는 대출을 받았다가 갈아탄다. 4번, 그나마 금리가 낮은 디딤돌 대출을 받는다. 입주지정기간은 5월 중순까지인데, 대출 준비기간을 따져보면 늦어도 4월 초엔 결정을 해야 될 것 같습니다. 참고로 현재 분양가는 옵션포함 4억 5천만원이고, 감정가는 분양가대비 115%정도 나올거라고 합니다.
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