Recommendation│The wealthy capitalize on the opportunity of leverage, no matter the circumstances! _Kim Hak-ryeol
Prologue│Why Should You Study Loans Now?

Part 1
[Basic] Complex loans become easy and simple!

Chapter 1: 6 Most Frequently Asked Questions by Borrowers Afraid of Borrowing
Question 01_ Isn't it bad to have more debt?
Question 02_ Isn't it a waste of money to pay interest?
Question 03_ If I borrow that much money, when will I be able to pay it back?
Question 04_ My main bank will take care of it for me, but do I really need to study it?
Question 05_ When should I look into loans?
Question 06_ Can complex loans be easily understood?
#LEO'S TIP Is there a bank that is advantageous when purchasing a first floor unit?!
#LEO'S TIP Bank vs.
Non-face-to-face vs.
Loan counselor

Chapter 2: 6 Basics on Loans That New Members Most Want to Know
Question 07_ What percentage of the deposit can I receive as a rental loan?
Question 08_ How much more advantageous are the jeonse loans for young people working at small and medium-sized enterprises (SMEs) and newlyweds?
Question 09_ Does the Korea Housing Finance Corporation (HF) jeonse loan not require the landlord's consent?
Question 10_ Is it possible to apply for the Housing & Urban Guarantee Corporation (HUG)’s secure jeonse loan without income?
Question 11_ Is it possible to get a rental loan from Seoul Guarantee (SGI) even if the rental price is high?
Question 12_ Are there any special circumstances in which I cannot receive a mortgage loan?
Question 13_ Why is credit score important in a mortgage loan?
Question 14_ What is a mortgage, and how do I find a safe rental property?
Question 15_ How do I sign up for a deposit return guarantee insurance?
Question 16_ Can a single-home owner get a jeonse loan? Or can they get a jeonse loan and then buy a house?
Plus Check! Housing Ladder Support System
Question 17_ What documents are required to receive a mortgage loan?
#Leo's Tip: Basics on Jeonse Loans That Landlords Must Know

Part 2
[Practice] All kinds of loan concerns are solved with ease!

Chapter 3: 7 Essential Mortgage Loan Terms Every Homebuyer Should Know
Question 18_ Why is KB market price important when determining the loan limit?
Question 19_ What is LTV, and why are speculative overheated areas and regulated areas distinguished?
Plus Check! MI Loan
Question 20_ What is DSR and how does it affect my loan limit?
Plus Check! DTI
Question 21: What are interest rates, and why do they vary from bank to bank?
Question 22_ Which is more advantageous, fixed interest rate or variable interest rate?
Question 23_ What are the differences between equal principal, equal principal and interest, and lump sum on maturity?
Plus Check! Increasing Repayment Method
Question 24_ What is the difference between the first and second financial sectors?
Plus Check! How Card Loans Affect Your Credit Score
#Leo's TIP: The Secret to a Reduced Loan Limit! Air Defense

Chapter 4: The 5 Best Mortgage Loans Most Loved by First-Time Homebuyers
Question 25_ Is the Stepping Stone Loan the lowest interest rate?
Question 26_ Doesn't the deposit theory apply to DSR?
Plus Check! Combined Loan and Bank Mortgage Loan
Question 27_ Can I receive preferential LTV for a loan for ordinary people with actual demand?
Question 28_ Can I get a loan with an LTV of up to 80% for a first-time homebuyer?
Question 29_ Are qualified loans long-term, fixed-rate?
Plus Check! Where are the speculative areas?

Part 3
[Advanced] A smart lending strategy determines the size of your wealth!

Chapter 5: 10 Loan Strategies for Highest Limits and Lowest Interest Rates
Question 30_ Can I get a credit loan and a home mortgage loan at the same time?
Question 31_ Should I postpone borrowing until interest rates fall?
Plus Check! Peace of Mind Conversion Loan
Plus Check! Interest Rate Reduction Request System
Question 32_ Is it better to repay the loan early when I have money?
Question 33_ Can housewives, the unemployed, and freelancers also get a mortgage loan?
Plus Check! How to Maximize Your Reported Income
Question 34_ Are children who are not separated from their parents at a disadvantage when it comes to mortgage loans?
Question 35_ If my spouse owns only one house before marriage, can I get a mortgage loan for my new home?
Question 36_ Can I get a mortgage loan when purchasing a house with a jeonse deposit?
Question 37_ Are there any loan common sense tips that those who have won a subscription should keep in mind?
Question 38_ What documents are required to receive a home mortgage loan?
Question 39_ Is there a website where I can see the changed loan policies at a glance?
#LEO'S TIP A complete summary of the 'contracts' that plague car owners!

Chapter 6: The Leverage Techniques That Will Make You Rich Faster for Homeowners
Question 40_ Can I use the Living Stability Fund Loan when I need emergency funds?
Plus Check! Emergency Livelihood Mortgage Loan
Question 41_ Are lease eviction loans useful when evicting tenants?
Plus Check! Early Repayment Fee for Leasehold Mortgage Loans
Question 42_ Can I change my home while maintaining the low interest rate on my existing loan?
Question 43_ What is the difference between loans for those without a home, those with one home, and those with multiple homes?
Question 44_ Is there a way to take advantage of the temporary 1st generation 2nd home?
Question 45_ Are there any things I should be careful about when switching to an auction?
#Leo's Tip: Finally, D-Day! Single-Homeowners' Switching Loan Schedule
Plus Check! Interim Loan for General Sales Contracts
Plus Check! Things to Check When Drafting a Sales Contract

Chapter 7: 5 Non-Residential Loan Strategies That Monthly Rental Investors Are Most Curious About
Question 46_ Are loan limits different depending on whether the name is an individual, self-employed person, or corporate business?
Plus Check! Priority Payment for Small Commercial Tenants
Plus Check! How to Become a Sole Proprietor or Corporation
Question 47_ Is the appraised value important when investing in commercial buildings or small buildings?
Plus Check! Commercial and Residential Loan Limits
Question 48_ Is there a strategy for officetel loans?
Question 49_ How can I get a loan from the Knowledge Industry Center?
Question 50_ What documents are required to obtain a land loan?
#LEO'S TIP I want to know about celebrities' corporate investments!
#Leo's Tip: Auction Balance Loan for Income-Generating Real Estate
#Leo's Tip: A checklist of things to remember after taking out a loan, from renting to buying.

★ Reflecting the latest loan policies for 2022 ★
★ Korea's first real estate loan bible ★
★ The Secret to Maximum LTV and DSR Limits Revealed ★
★ Survival Strategies for High-Interest Loans, Home Mortgage Loans, and Credit Loans ★
★ Timing for profitable loans for those without a home, those with one home, and those with multiple homes ★

Why we
Just save money in the bank
Did the rich use that money?
How the Rich Use Leverage to Confidently Ask for Limits and Interest Rates

“If you meet a wise banker, you can experience the miracle of changing your loan limit from 0 won to 160 million won.
“I know better than anyone that loans can make someone’s life hell, but they can also make someone’s life heaven.”

“My main bank will take care of the loan, so why do I really need to study?” This book directly refutes this question.
Not only can bank employees not take responsibility for our lives, but they also turn away customers who come to them of their own accord, telling them that 'the products of another company (bank)' are better.
Even when shopping for a single piece of clothing, we meticulously shop around and compare prices. Why not do the same when it comes to loans? It's time to reflect on how proactively and aggressively we've been comparing and evaluating banks, which influence loan limits and interest rates.

The author also emphasizes that “financial shopping is especially important when taking out a mortgage loan or your first home loan.”
Depending on the "guarantor" you choose, rather than a bank, a jeonse loan can be secured by anyone, even those without income, for loans exceeding 100 million won. If you utilize this effectively, you can save money on rent that would otherwise be wasted each month and quickly build up a nest egg.
Numerous examples also prove that strategically utilizing the "first-time homebuyer loan," a once-in-a-lifetime opportunity, can shorten the time it takes to become wealthy by 5 to 10 years compared to others.

If you are still afraid and anxious about borrowing money, you should definitely ask yourself, “Why did we only save money in banks while the rich used it?”
This is an era where even 'being good at paying off debt' is a skill.
The author asserts that if you neglect your loan studies because of a vague fear of debt, you will never be able to keep up with the ever-increasing pace of wealth accumulation among the wealthy.
As you read this book, you'll realize that a well-taken loan is a tool that shortens the time it takes to become rich, and that the interest it pays isn't money wasted, but a "fee" you must willingly pay. The moment you realize this, you'll be on the fast track to wealth, where you can achieve great wealth even with a small starting capital.

If you want to change your life
Instead of reading 100 real estate books
Study the loan just once!
_A short, intensive course that explains the core of complex loan policies in an easy-to-understand manner, like a private tutoring session.

“I didn’t know my hidden limits were this many!”
“I saved just 0.1% on interest rates, but I feel a sense of relief every day!”

There are many systems to know, such as LTV and DSR, and because regulations change so frequently, it has been difficult for anyone to write about the topic of "loans," but this book, "The Magic of Loans," is the first to explain the topic so easily.
This book is Korea's first loan bible and the only book that provides unfailing answers to the most perplexing loan questions that real estate beginners are most curious about.
As if reading a novel, the knowledge of loans accumulated as the pages turn smoothly gives even beginners who know nothing about real estate the confidence and courage to confidently seek loan consultations without fear.

Above all, the book's true beauty lies in its generous offering of "the more you know, the more you get, and the cheaper you get." It offers a comprehensive range of practical loan tips, including the 10 essential rules for raising your DSR, tips for minimizing your out-of-pocket expenses when applying for a mortgage loan, a loan for low-income individuals, or a loan for first-time homebuyers, and which banks offer the highest loan limits to first-floor buyers.
The interest rates and limits you can enjoy will be dramatically different, literally like a world-changing change, depending on whether you read this book or not.

The first real estate policy of the Yoon Seok-yeol administration, which took office in 2022, was 'easing loan regulations.'
The opportunity to reconnect the ladder of wealth that was broken due to regulations is approaching.
This book, which says, “Just as there is a shoe that fits Cinderella perfectly, there is a product that is perfect for me even in the complicated and tricky world of loans!”, will become a reliable “wealth running mate” by presenting “how to quickly save seed money with a jeonse loan” to those just starting out in society, “how to buy your first solid home” to those without a home, and “how to wisely switch by temporarily using two homes in one household”, “jeonse leverage investment method”, and “fixed monthly rent investment method” to those with one or multiple homes.