The fastest way to move to a higher level is
It's not about money, it's about power!

Sampro TV, Bureadnam TV, Salaryman Rich TV
Hot topic loan expert
Recognized by real estate experts in Korea
Loan Mentor Ppack says
How to get to Seoul and Gangnam with high power!

People often think that to become rich or to move up a class, you need to have money.
But what is actually needed is not money, but ‘high power’.
Even with the same assets, age, and conditions, some people buy a house in Gangnam, while others remain homeless for the rest of their lives.
What makes the difference is the 'power to handle loans', or the power of leverage.
A loan mentor recognized by Korea's top real estate experts, Ppack calls the ability to effectively utilize loans "great power," and explains how to increase assets and move to a higher-end location through loans.
In particular, it emphasizes eliminating vague fears about loans and actively utilizing the financial system.
It also explains how the gap between those who are good at using loans and those who are not leads to a wealth gap, and introduces various lending techniques and examples that readers can directly utilize.

Of course, even if you know the importance of using loans, it's not easy to take on the risk of borrowing.
This book guides you through the safest and most effective way to grow your wealth through loans.
The author of "The Power of Going to the Upper Level of the P-Pack" has written this book on the most effective way to use loans, based on the knowledge and numerous practical experiences he has accumulated while working as a banker.
As you read the book, you'll quickly understand why he's considered Korea's top real estate lending expert and why so many people praise him on YouTube and in lectures.
You will also be able to naturally learn the fastest and easiest way to get to the upper level.

Lending power is not simply the act of borrowing money.
Rather, it refers to the use of banks as a way to make money and as an economic wisdom to grow assets.
In other words, if the debt I used served as a stepping stone to increase my assets, then I have borrowing power.
For example, if you borrow just 100 million won more, you can buy an apartment in a prime location in Gangnam District 3 and make a big profit. However, if you are afraid of that 100 million won loan and just buy a Class C apartment in Gyeonggi Province with the capital you have, then you do not have the borrowing power.
Also, if you have given up on buying a home or have not been able to move on to other investments because you were unable to take out a loan, you have no borrowing power.
For example, let's say that if you've successfully used the 200 million won deposit as a rental deposit loan, you can take out an additional credit loan to purchase your own home.
However, if you had to give up on buying a house after receiving a bank notice that you would no longer be able to get another loan because you received part of your jeonse deposit as a credit loan instead of a jeonse deposit loan, it is not because you lacked capital, but because you actually lacked lending power.

--- From "Chapter 1: Build Your Lending Power: A Shortcut to 1% Wealth"

In the era of DSR, it is important to strategically plan the order in which you take out loans, especially when taking out credit loans and other loans together.
In conclusion, it is better to take out a loan that does not look at the DSR last.
Even if you have a lot of existing loans, this loan will pass because they won't look at your DSR.
So, which should you pursue first: a home mortgage loan or a credit loan? It depends on whether the home mortgage loan considers the DSR or not.

Typically, a general bank mortgage loan looks at the DSR, so you should get it before a credit loan.
If you have a short-term credit loan, your other loan limits will be reduced. If you take out a credit loan with a low DSR first, you may not be able to secure a home mortgage loan in the future. Therefore, you should first take out a home mortgage loan as needed and then take out a credit loan to cover your remaining DSR.

--- From "Chapter 4 Mastering LTV, DTI, DSR, and Stress DSR"

Korea Housing Finance Corporation's jeonse loan is the only loan among guarantee institutions that can be used even when the lessor is a corporation or foreigner.
For houses with a high loan amount compared to the appraised value, such as multi-family homes or multi-unit dwellings, or unregistered houses, the bank may also execute the loan at its discretion.
When processing a loan, the guarantee fee is low and the process is relatively simple, so it is preferred by landlords, tenants, and bankers because it is less of a burden.

In practice, after the first jeonse loan is executed, there are few cases where the maintenance of the move-in is confirmed, so even if the move-in is temporarily withdrawn, there is an advantage in that it is not immediately recovered like the jeonse loan from Seoul Guarantee Insurance or Housing & Urban Guarantee Corporation.
--- From "Chapter 6: Strategies for the Homeless: Seize the Opportunities the Market Offers"

Are bridging loans considered purchase funds or living expenses loans? To cut to the chase, bridging loans are actually purchase funds.
This is because it is a loan that is executed before the registration is issued.
Therefore, since the interim loan is not subject to the additional purchase prohibition agreement, you can continue to invest in housing in the future.
However, there was a student who asked if it was possible to buy a house by taking out a bridging loan.
The bank that I signed an agreement with for the interim loan that I was executing had me sign a contract prohibiting additional purchases.
What should I do in this case?
Group loans, such as interim loans, relocation loans, and balance loans, must follow the regulations of the bank with which the implementing company has an agreement.
Even though the bridging loan is originally a purchase loan and allows you to buy a house later, you should not buy a house if it is prohibited in your contract.
Because your own contract takes precedence.
So, while you should be aware of the basic banking regulations, don't forget that your own agreement takes precedence.
--- From "Chapter 7 One-Home Owner Strategy: Actively Utilize Jeonse Loans and Switching"

If you remodel an open commercial building into a sectioned commercial building, you may be able to get a loan, so I recommend that you take out a commercial business loan and refinance your existing credit loan.
Since there was originally a plan to remodel the open commercial building, I remodeled it into a structure that would allow for a loan and received a loan, which allowed me to pay off my existing personal credit loan.
Then, the personal DSR came back to life, and I was able to make full use of the revived DSR and even switch.
He is using the remaining LTV to borrow money from a business loan and use it as working capital, while also significantly expanding his business and increasing his business income.

--- From "Chapter 8 Multi-Home Owner Strategies: Increase Your Wealth by Utilizing Various Cases"