Artificial Intelligence Deep Sikro Financial Design attempts

Interest rate when annual disposable income is 700 million won
Loan of 5.3 percent of loans 240 million won
Is there any problem with repayment?

5.77 @ @ /
0 8 Important ILL 7896 ‘
Utilization of national group profits of information
Interest rate in the situation of annual disposable income of 700 million won
When repaying a loan of 5.3%loan of 240 million won
Financial risks are on the repayment period and additional expenses.
It depends greatly. Specific analysis is
As follows:
1. Calculation of basic repayment (example: 5 years
Principles of the principal bacteria)
Loan amount: KRW 24 billion
Annual interest rate: 5.3%
Monthly repayment amount: about 4.56 million won (annually 54.72 million won)
5 years total repayment amount: 5472 million won x 5 years =
2.736 billion won (principal 2.4 billion won + interest
33.6 million won)
2. Analysis of financial burden rate
Annual repayment amount compared to 100 million won for annual disposable income
54.72 million won> The burden rate 54.7%
In general, 40% of DTI (total debt repayment ratio)
The above is classified as a high -level.
30 million won per year
city:
Income of the net price disposal = 100 million won -30 million won
70 million won
The repayment amount of 54.72 million won is **
78.2%** is extremely dangerous.
3. Main risk factors
(1) Exceeding DTI
Korea’s banknote DTI limit is generally 40%
Set below
54.7% burden is difficult to approve the loan itself
It can be, even if it is approved,
doesn’t exist:
Inter interest rate fluctuation risk
In the case of a variable interest rate, the repayment amount
Additional increases.
Example: interest rate
If you rise, the annual interest burden is
W2.4bn x 1%
2.4 million won increase:
(3) Lack of emergency money
36 months in case of sudden unemployment disease
Living cost (7501 million won)
It becomes difficult:
(4) Additional loans are impossible
If there is an existing loan, DTI is weakened
Credit rating decline or the possibility
4. Comparison of repayment burden by scenario
Repayment period
Monthly repayment
Annual burden rate
5 years
4.56 million won
54.7%
3,36
7 years
3.47 million won
41.6%
5,701
10 years
2.58 million won
37.09
7,561
15 years
794 million won
23.3%
1.72
Long -term repayment reduces monthly burden, but the total interest
It is soaring and disadvantageous in the long run:
5. Review point
(1) Loan purpose
Investment purposes (for example, more than 8% of the numbers):
If the interest rate is 5.3%, the number is possible.
Purpose of consumption: weakening of financial weakness due to increased pure debt
possibility
(2) Replacement means
Mortgage: Housing: Insurance
Color color of interest rate cuts.
Co -loan: Spouse and income all the DTI ratio
improvement.
(3) Restructuring repayment
Temporary repayment of maturity: Only month interest is southern and the principal
Temporary repayment at maturity
essential)
6. Conclusion: “Highly likely to occur
54.7% DTI rice fields in 5 years
It is greatly hindered, emergency-additional income of the number of investment
It is not recommended without a discussion:
Long -term repayment (more than 10 years)
Essentials, but the total interest burden increases.
Be sure to consult a financial planner
Comprehensive analysis of income expenditure assets,
You need to check if the purpose of the loan is investment.
Recommended reverse:
Setting the repayment period for more than 10 years
Reduction of living expenses
(Less than 25 million won a year)
30 million won for emergency funds
secure
However, interest rates are high because the interest rate is 5.3%high.
Comparison of cuts or other goldship institutions
Recommended.
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