특례보금자리론 체증식 분할상환 단점 5가지 알아보기

특례보금자리론에서 만 40세 이하에서 가능한 체증식 분할상환 단점을 알아보고 어떠한 대출 방식이 자신에게 맞는 대출 방법이 좋은지 알아보도록 하자.

체증식 분할상환 단점 5가지

• 대출 상환 방식 중에서 이자가 가장 많다.
• 초기에 납부하는 원금의 비중이 적어서 대출 원금이 잘 줄어들지 않는다.
• 시중은행에서 취급하지 않으며 주택금융공사에서 만40세 미만이어야 한다.
• 주택금융공사에서 승인이 된자만 체증식 분할 상환 방식이 가능하다.
• 대출 상환 금액이 점점 증가한다.

체증식 방식에는 5가지의 단점이 존재한다. 만 40세 미만이면 신청이 가능하다는 점, 주택금융공사에서 승인이 되어야만 체증식 분할 상환이 가능하다는 점이다.

대출 상환 방식중에서 이자가 가장 많다.

아래 사진은 주택금융공사에서 제공하는 예상대출조회에서 체감식, 원리금 균등분할상환, 체증식의 상환 방식에서 총 이자의 금액을 비교하였다. 아래 사진에서 보더라도 체증식 분할상환 단점이 두드러지게 나타난다.

체감식은 초반 월 납입금이 높지만 점점 줄어드는 방식, 원리금은 처음부터 끝까지 동일한 납임금이다. 그리고 체증식은 점점 월 납입금이 증가한다.

• 체감식은 원리금이 점점 감소하는 방식
• 원리금 균등방식은 만기 30년동안 일정한 방식
• 체증식 상환은 점점 원리금이 증가하는 방식
• 총 이자의 비용은 체증식이 가장 많다.

가장 이자가 많고 늦게 갚는 대출 방식

처음에는 원금을 적게 내고, 이자를 많이 내는 방식이다. 따라서 처음에 내는 원리금이 점점 늘어나는 방식이다.

원리금은 원금과 이자를 합친 금액이다. 아래의 표는 30년 만기, 4.15% 금리로 체증식 상환방식으로 예상 월 납입금을 계산한 엑셀 표이다.

원리금의 금액이 매달 약 2천원~3천원 사이로 증가하는 것을 볼수가 있다. 매달 증가하는 원리금이 압박으로 느껴질수도 있다. 따라서 증가하는 대출금을 상환하는 계획을 잘 세운다면 문제없이 대출을 받아도 괜찮다는 생각이다.

(30년 만기, 4.15%금리, 체증식 상환 방식, 주택금융공사 월별상환원리금 예상 대출 조회)

회차	상환예정일자	원리금	원금	이자	이자상환누계	대출잔액
1	2023-06-30	1,057,397	34,110	1,023,287	1,023,287	299,965,890
2	2023-07-31	1,060,197	2,920	1,057,277	2,080,564	299,962,970
3	2023-08-31	1,062,997	5,731	1,057,266	3,137,830	299,957,239
4	2023-09-30	1,065,797	42,656	1,023,141	4,160,971	299,914,583
5	2023-10-31	1,068,597	11,501	1,057,096	5,218,067	299,903,082
6	2023-11-30	1,071,397	48,440	1,022,957	6,241,024	299,854,642
7	2023-12-31	1,074,197	17,313	1,056,884	7,297,908	299,837,329
8	2024-01-31	1,076,997	22,968	1,054,029	8,351,937	299,814,361
9	2024-02-29	1,079,797	93,933	985,864	9,337,801	299,720,428
10	2024-03-31	1,082,597	29,072	1,053,525	10,391,326	299,691,356
11	2024-04-30	1,085,397	65,956	1,019,441	11,410,767	299,625,400
12	2024-05-31	1,088,197	35,006	1,053,191	12,463,958	299,590,394
13	2024-06-30	1,090,997	71,899	1,019,098	13,483,056	299,518,495
14	2024-07-31	1,093,797	40,982	1,052,815	14,535,871	299,477,513
15	2024-08-31	1,096,597	43,926	1,052,671	15,588,542	299,433,587
16	2024-09-30	1,099,397	80,832	1,018,565	16,607,107	299,352,755
17	2024-10-31	1,102,197	49,964	1,052,233	17,659,340	299,302,791
18	2024-11-30	1,104,997	86,877	1,018,120	18,677,460	299,215,914
19	2024-12-31	1,107,797	56,045	1,051,752	19,729,212	299,159,869
20	2025-01-31	1,110,597	56,254	1,054,343	20,783,555	299,103,615
21	2025-02-28	1,113,397	161,183	952,214	21,735,769	298,942,432
22	2025-03-31	1,116,197	62,528	1,053,669	22,789,438	298,879,904
23	2025-04-30	1,118,997	99,530	1,019,467	23,808,905	298,780,374
24	2025-05-31	1,121,797	68,699	1,053,098	24,862,003	298,711,675
25	2025-06-30	1,124,597	105,704	1,018,893	25,880,896	298,605,971
26	2025-07-31	1,127,397	74,914	1,052,483	26,933,379	298,531,057
27	2025-08-31	1,130,197	77,978	1,052,219	27,985,598	298,453,079
28	2025-09-30	1,132,997	114,986	1,018,011	29,003,609	298,338,093
29	2025-10-31	1,135,797	84,258	1,051,539	30,055,148	298,253,835
30	2025-11-30	1,138,597	121,266	1,017,331	31,072,479	298,132,569
31	2025-12-31	1,141,397	90,582	1,050,815	32,123,294	298,041,987
32	2026-01-31	1,144,197	93,702	1,050,495	33,173,789	297,948,285
33	2026-02-28	1,146,997	198,461	948,536	34,122,325	297,749,824
34	2026-03-31	1,149,797	100,331	1,049,466	35,171,791	297,649,493
35	2026-04-30	1,152,597	137,327	1,015,270	36,187,061	297,512,166
36	2026-05-31	1,155,397	106,769	1,048,628	37,235,689	297,405,397
37	2026-06-30	1,158,197	143,760	1,014,437	38,250,126	297,261,637
38	2026-07-31	1,160,997	113,252	1,047,745	39,297,871	297,148,385
39	2026-08-31	1,163,797	116,451	1,047,346	40,345,217	297,031,934
40	2026-09-30	1,166,597	153,434	1,013,163	41,358,380	296,878,500
41	2026-10-31	1,169,397	123,002	1,046,395	42,404,775	296,755,498
42	2026-11-30	1,172,197	159,977	1,012,220	43,416,995	296,595,521
43	2026-12-31	1,174,997	129,600	1,045,397	44,462,392	296,465,921
44	2027-01-31	1,177,797	132,857	1,044,940	45,507,332	296,333,064
45	2027-02-28	1,180,597	237,203	943,394	46,450,726	296,095,861
46	2027-03-31	1,183,397	139,761	1,043,636	47,494,362	295,956,100
47	2027-04-30	1,186,197	176,703	1,009,494	48,503,856	295,779,397
48	2027-05-31	1,188,997	146,476	1,042,521	49,546,377	295,632,921
49	2027-06-30	1,191,797	183,406	1,008,391	50,554,768	295,449,515
50	2027-07-31	1,194,597	153,239	1,041,358	51,596,126	295,296,276
51	2027-08-31	1,197,397	156,579	1,040,818	52,636,944	295,139,697
52	2027-09-30	1,200,197	193,488	1,006,709	53,643,653	294,946,209
53	2027-10-31	1,202,997	163,413	1,039,584	54,683,237	294,782,796
54	2027-11-30	1,205,797	200,305	1,005,492	55,688,729	294,582,491
55	2027-12-31	1,208,597	170,295	1,038,302	56,727,031	294,412,196
56	2028-01-31	1,211,397	176,439	1,034,958	57,761,989	294,235,757
57	2028-02-29	1,214,197	246,676	967,521	58,729,510	293,989,081
58	2028-03-31	1,216,997	183,618	1,033,379	59,762,889	293,805,463
59	2028-04-30	1,219,797	220,377	999,420	60,762,309	293,585,086
60	2028-05-31	1,222,597	190,638	1,031,959	61,794,268	293,394,448
61	2028-06-30	1,225,397	227,375	998,022	62,792,290	293,167,073
62	2028-07-31	1,228,197	197,707	1,030,490	63,822,780	292,969,366
63	2028-08-31	1,230,997	201,202	1,029,795	64,852,575	292,768,164
64	2028-09-30	1,233,797	237,906	995,891	65,848,466	292,530,258
65	2028-10-31	1,236,597	208,346	1,028,251	66,876,717	292,321,912
66	2028-11-30	1,239,397	245,024	994,373	67,871,090	292,076,888
67	2028-12-31	1,242,197	215,539	1,026,658	68,897,748	291,861,349
68	2029-01-31	1,244,997	216,377	1,028,620	69,926,368	291,644,972
69	2029-02-28	1,247,797	319,328	928,469	70,854,837	291,325,644
70	2029-03-31	1,250,597	223,774	1,026,823	71,881,660	291,101,870
71	2029-04-30	1,253,397	260,461	992,936	72,874,596	290,841,409
72	2029-05-31	1,256,197	231,081	1,025,116	73,899,712	290,610,328
73	2029-06-30	1,258,997	267,738	991,259	74,890,971	290,342,590
74	2029-07-31	1,261,797	238,439	1,023,358	75,914,329	290,104,151
75	2029-08-31	1,264,597	242,080	1,022,517	76,936,846	289,862,071
76	2029-09-30	1,267,397	278,690	988,707	77,925,553	289,583,381
77	2029-10-31	1,270,197	249,515	1,020,682	78,946,235	289,333,866
78	2029-11-30	1,272,997	286,092	986,905	79,933,140	289,047,774
79	2029-12-31	1,275,797	257,003	1,018,794	80,951,934	288,790,771
80	2030-01-31	1,278,597	260,709	1,017,888	81,969,822	288,530,062
81	2030-02-28	1,281,397	362,844	918,553	82,888,375	288,167,218
82	2030-03-31	1,284,197	268,507	1,015,690	83,904,065	287,898,711
83	2030-04-30	1,286,997	304,987	982,010	84,886,075	287,593,724
84	2030-05-31	1,289,797	276,128	1,013,669	85,899,744	287,317,596
85	2030-06-30	1,292,597	312,569	980,028	86,879,772	287,005,027
86	2030-07-31	1,295,397	283,803	1,011,594	87,891,366	286,721,224
87	2030-08-31	1,298,197	287,603	1,010,594	88,901,960	286,433,621
88	2030-09-30	1,300,997	323,984	977,013	89,878,973	286,109,637
89	2030-10-31	1,303,797	295,359	1,008,438	90,887,411	285,814,278
90	2030-11-30	1,306,597	331,697	974,900	91,862,311	285,482,581
91	2030-12-31	1,309,397	303,169	1,006,228	92,868,539	285,179,412
92	2031-01-31	1,312,197	307,038	1,005,159	93,873,698	284,872,374
93	2031-02-28	1,314,997	408,089	906,908	94,780,606	284,464,285
94	2031-03-31	1,317,797	315,158	1,002,639	95,783,245	284,149,127
95	2031-04-30	1,320,597	351,377	969,220	96,752,465	283,797,750
96	2031-05-31	1,323,397	323,108	1,000,289	97,752,754	283,474,642
97	2031-06-30	1,326,197	359,277	966,920	98,719,674	283,115,365
98	2031-07-31	1,328,997	331,113	997,884	99,717,558	282,784,252
99	2031-08-31	1,331,797	335,080	996,717	100,714,275	282,449,172
100	2031-09-30	1,334,597	371,175	963,422	101,677,697	282,077,997
101	2031-10-31	1,337,397	343,169	994,228	102,671,925	281,734,828
102	2031-11-30	1,340,197	379,212	960,985	103,632,910	281,355,616
103	2031-12-31	1,342,997	351,315	991,682	104,624,592	281,004,301
104	2032-01-31	1,345,797	357,973	987,824	105,612,416	280,646,328
105	2032-02-29	1,348,597	425,762	922,835	106,535,251	280,220,566
106	2032-03-31	1,351,397	366,415	984,982	107,520,233	279,854,151
107	2032-04-30	1,354,197	402,235	951,962	108,472,195	279,451,916
108	2032-05-31	1,356,997	374,716	982,281	109,454,476	279,077,200
109	2032-06-30	1,359,797	410,478	949,319	110,403,795	278,666,722
110	2032-07-31	1,362,597	383,076	979,521	111,383,316	278,283,646
111	2032-08-31	1,365,397	387,223	978,174	112,361,490	277,896,423
112	2032-09-30	1,368,197	422,894	945,303	113,306,793	277,473,529
113	2032-10-31	1,370,997	395,670	975,327	114,282,120	277,077,859
114	2032-11-30	1,373,797	431,279	942,518	115,224,638	276,646,580
115	2032-12-31	1,376,597	404,177	972,420	116,197,058	276,242,403
116	2033-01-31	1,379,397	405,824	973,573	117,170,631	275,836,579
117	2033-02-28	1,382,197	504,055	878,142	118,048,773	275,332,524
118	2033-03-31	1,384,997	414,545	970,452	119,019,225	274,917,979
119	2033-04-30	1,387,797	450,064	937,733	119,956,958	274,467,915
120	2033-05-31	1,390,597	423,192	967,405	120,924,363	274,044,723
121	2033-06-30	1,393,397	458,642	934,755	121,859,118	273,586,081
122	2033-07-31	1,396,197	431,900	964,297	122,823,415	273,154,181
123	2033-08-31	1,398,997	436,223	962,774	123,786,189	272,717,958
124	2033-09-30	1,401,797	471,568	930,229	124,716,418	272,246,390
125	2033-10-31	1,404,597	445,022	959,575	125,675,993	271,801,368
126	2033-11-30	1,407,397	480,294	927,103	126,603,096	271,321,074
127	2033-12-31	1,410,197	453,884	956,313	127,559,409	270,867,190
128	2034-01-31	1,412,997	458,283	954,714	128,514,123	270,408,907
129	2034-02-28	1,415,797	554,934	860,863	129,374,986	269,853,973
130	2034-03-31	1,418,597	467,455	951,142	130,326,128	269,386,518
131	2034-04-30	1,421,397	502,531	918,866	131,244,994	268,883,987
132	2034-05-31	1,424,197	476,474	947,723	132,192,717	268,407,513
133	2034-06-30	1,426,997	511,471	915,526	133,108,243	267,896,042
134	2034-07-31	1,429,797	485,556	944,241	134,052,484	267,410,486
135	2034-08-31	1,432,597	490,067	942,530	134,995,014	266,920,419
136	2034-09-30	1,435,397	524,943	910,454	135,905,468	266,395,476
137	2034-10-31	1,438,197	499,245	938,952	136,844,420	265,896,231
138	2034-11-30	1,440,997	534,036	906,961	137,751,381	265,362,195
139	2034-12-31	1,443,797	508,487	935,310	138,686,691	264,853,708
140	2035-01-31	1,446,597	513,079	933,518	139,620,209	264,340,629
141	2035-02-28	1,449,397	607,853	841,544	140,461,753	263,732,776
142	2035-03-31	1,452,197	522,630	929,567	141,391,320	263,210,146
143	2035-04-30	1,454,997	557,199	897,798	142,289,118	262,652,947
144	2035-05-31	1,457,797	532,036	925,761	143,214,879	262,120,911
145	2035-06-30	1,460,597	566,514	894,083	144,108,962	261,554,397
146	2035-07-31	1,463,397	541,508	921,889	145,030,851	261,012,889
147	2035-08-31	1,466,197	546,216	919,981	145,950,832	260,466,673
148	2035-09-30	1,468,997	580,556	888,441	146,839,273	259,886,117
149	2035-10-31	1,471,797	555,788	916,009	147,755,282	259,330,329
150	2035-11-30	1,474,597	590,032	884,565	148,639,847	258,740,297
151	2035-12-31	1,477,397	565,427	911,970	149,551,817	258,174,870
152	2036-01-31	1,480,197	572,626	907,571	150,459,388	257,602,244
153	2036-02-29	1,482,997	635,937	847,060	151,306,448	256,966,307
154	2036-03-31	1,485,797	582,554	903,243	152,209,691	256,383,753
155	2036-04-30	1,488,597	616,472	872,125	153,081,816	255,767,281
156	2036-05-31	1,491,397	592,369	899,028	153,980,844	255,174,912
157	2036-06-30	1,494,197	626,184	868,013	154,848,857	254,548,728
158	2036-07-31	1,496,997	602,252	894,745	155,743,602	253,946,476
159	2036-08-31	1,499,797	607,169	892,628	156,636,230	253,339,307
160	2036-09-30	1,502,597	640,829	861,768	157,497,998	252,698,478
161	2036-10-31	1,505,397	617,155	888,242	158,386,240	252,081,323
162	2036-11-30	1,508,197	650,708	857,489	159,243,729	251,430,615
163	2036-12-31	1,510,997	627,212	883,785	160,127,514	250,803,403
164	2037-01-31	1,513,797	629,879	883,918	161,011,432	250,173,524
165	2037-02-28	1,516,597	720,155	796,442	161,807,874	249,453,369
166	2037-03-31	1,519,397	640,160	879,237	162,687,111	248,813,209
167	2037-04-30	1,522,197	673,506	848,691	163,535,802	248,139,703
168	2037-05-31	1,524,997	650,390	874,607	164,410,409	247,489,313
169	2037-06-30	1,527,797	683,622	844,175	165,254,584	246,805,691
170	2037-07-31	1,530,597	660,692	869,905	166,124,489	246,144,999
171	2037-08-31	1,533,397	665,821	867,576	166,992,065	245,479,178
172	2037-09-30	1,536,197	698,878	837,319	167,829,384	244,780,300
173	2037-10-31	1,538,997	676,231	862,766	168,692,150	244,104,069
174	2037-11-30	1,541,797	709,169	832,628	169,524,778	243,394,900
175	2037-12-31	1,544,597	686,714	857,883	170,382,661	242,708,186
176	2038-01-31	1,547,397	691,934	855,463	171,238,124	242,016,252
177	2038-02-28	1,550,197	779,724	770,473	172,008,597	241,236,528
178	2038-03-31	1,552,997	702,721	850,276	172,858,873	240,533,807
179	2038-04-30	1,555,797	735,347	820,450	173,679,323	239,798,460
180	2038-05-31	1,558,597	713,390	845,207	174,524,530	239,085,070
181	2038-06-30	1,561,397	745,888	815,509	175,340,039	238,339,182
182	2038-07-31	1,564,197	724,134	840,063	176,180,102	237,615,048
183	2038-08-31	1,566,997	729,486	837,511	177,017,613	236,885,562
184	2038-09-30	1,569,797	761,791	808,006	177,825,619	236,123,771
185	2038-10-31	1,572,597	740,342	832,255	178,657,874	235,383,429
186	2038-11-30	1,575,397	772,514	802,883	179,460,757	234,610,915
187	2038-12-31	1,578,197	751,274	826,923	180,287,680	233,859,641
188	2039-01-31	1,580,997	756,722	824,275	181,111,955	233,102,919
189	2039-02-28	1,583,797	841,700	742,097	181,854,052	232,261,219
190	2039-03-31	1,586,597	767,956	818,641	182,672,693	231,493,263
191	2039-04-30	1,589,397	799,783	789,614	183,462,307	230,693,480
192	2039-05-31	1,592,197	779,082	813,115	184,275,422	229,914,398
193	2039-06-30	1,594,997	810,769	784,228	185,059,650	229,103,629
194	2039-07-31	1,597,797	790,286	807,511	185,867,161	228,313,343
195	2039-08-31	1,600,597	795,871	804,726	186,671,887	227,517,472
196	2039-09-30	1,603,397	827,345	776,052	187,447,939	226,690,127
197	2039-10-31	1,606,197	807,192	799,005	188,246,944	225,882,935
198	2039-11-30	1,608,997	838,520	770,477	189,017,421	225,044,415
199	2039-12-31	1,611,797	818,593	793,204	189,810,625	224,225,822
200	2040-01-31	1,614,597	826,368	788,229	190,598,854	223,399,454
201	2040-02-29	1,617,397	882,804	734,593	191,333,447	222,516,650
202	2040-03-31	1,620,197	838,045	782,152	192,115,599	221,678,605
203	2040-04-30	1,622,997	868,927	754,070	192,869,669	220,809,678
204	2040-05-31	1,625,797	849,645	776,152	193,645,821	219,960,033
205	2040-06-30	1,628,597	880,373	748,224	194,394,045	219,079,660
206	2040-07-31	1,631,397	861,327	770,070	195,164,115	218,218,333
207	2040-08-31	1,634,197	867,154	767,043	195,931,158	217,351,179
208	2040-09-30	1,636,997	897,647	739,350	196,670,508	216,453,532
209	2040-10-31	1,639,797	878,957	760,840	197,431,348	215,574,575
210	2040-11-30	1,642,597	909,291	733,306	198,164,654	214,665,284
211	2040-12-31	1,645,397	890,843	754,554	198,919,208	213,774,441
212	2041-01-31	1,648,197	894,783	753,414	199,672,622	212,879,658
213	2041-02-28	1,650,997	973,282	677,715	200,350,337	211,906,376
214	2041-03-31	1,653,797	906,900	746,897	201,097,234	210,999,476
215	2041-04-30	1,656,597	936,887	719,710	201,816,944	210,062,589
216	2041-05-31	1,659,397	918,999	740,398	202,557,342	209,143,590
217	2041-06-30	1,662,197	948,817	713,380	203,270,722	208,194,773
218	2041-07-31	1,664,997	931,182	733,815	204,004,537	207,263,591
219	2041-08-31	1,667,797	937,264	730,533	204,735,070	206,326,327
220	2041-09-30	1,670,597	966,827	703,770	205,438,840	205,359,500
221	2041-10-31	1,673,397	949,576	723,821	206,162,661	204,409,924
222	2041-11-30	1,676,197	978,964	697,233	206,859,894	203,430,960
223	2041-12-31	1,678,997	961,973	717,024	207,576,918	202,468,987
224	2042-01-31	1,681,797	968,164	713,633	208,290,551	201,500,823
225	2042-02-28	1,684,597	1,043,107	641,490	208,932,041	200,457,716
226	2042-03-31	1,687,397	980,853	706,544	209,638,585	199,476,863
227	2042-04-30	1,690,197	1,009,790	680,407	210,318,992	198,467,073
228	2042-05-31	1,692,997	993,469	699,528	211,018,520	197,473,604
229	2042-06-30	1,695,797	1,022,223	673,574	211,692,094	196,451,381
230	2042-07-31	1,698,597	1,006,174	692,423	212,384,517	195,445,207
231	2042-08-31	1,701,397	1,012,520	688,877	213,073,394	194,432,687
232	2042-09-30	1,704,197	1,040,996	663,201	213,736,595	193,391,691
233	2042-10-31	1,706,997	1,025,358	681,639	214,418,234	192,366,333
234	2042-11-30	1,709,797	1,053,644	656,153	215,074,387	191,312,689
235	2042-12-31	1,712,597	1,038,286	674,311	215,748,698	190,274,403
236	2043-01-31	1,715,397	1,044,745	670,652	216,419,350	189,229,658
237	2043-02-28	1,718,197	1,115,773	602,424	217,021,774	188,113,885
238	2043-03-31	1,720,997	1,057,960	663,037	217,684,811	187,055,925
239	2043-04-30	1,723,797	1,085,757	638,040	218,322,851	185,970,168
240	2043-05-31	1,726,597	1,071,116	655,481	218,978,332	184,899,052
241	2043-06-30	1,729,397	1,098,714	630,683	219,609,015	183,800,338
242	2043-07-31	1,732,197	1,084,364	647,833	220,256,848	182,715,974
243	2043-08-31	1,734,997	1,090,986	644,011	220,900,859	181,624,988
244	2043-09-30	1,737,797	1,118,282	619,515	221,520,374	180,506,706
245	2043-10-31	1,740,597	1,104,373	636,224	222,156,598	179,402,333
246	2043-11-30	1,743,397	1,131,464	611,933	222,768,531	178,270,869
247	2043-12-31	1,746,197	1,117,854	628,343	223,396,874	177,153,015
248	2044-01-31	1,748,997	1,126,245	622,752	224,019,626	176,026,770
249	2044-02-29	1,751,797	1,172,977	578,820	224,598,446	174,853,793
250	2044-03-31	1,754,597	1,139,982	614,615	225,213,061	173,713,811
251	2044-04-30	1,757,397	1,166,486	590,911	225,803,972	172,547,325
252	2044-05-31	1,760,197	1,153,689	606,508	226,410,480	171,393,636
253	2044-06-30	1,762,997	1,179,978	583,019	226,993,499	170,213,658
254	2044-07-31	1,765,797	1,167,492	598,305	227,591,804	169,046,166
255	2044-08-31	1,768,597	1,174,396	594,201	228,186,005	167,871,770
256	2044-09-30	1,771,397	1,200,358	571,039	228,757,044	166,671,412
257	2044-10-31	1,774,197	1,188,343	585,854	229,342,898	165,483,069
258	2044-11-30	1,776,997	1,214,084	562,913	229,905,811	164,268,985
259	2044-12-31	1,779,797	1,202,388	577,409	230,483,220	163,066,597
260	2045-01-31	1,782,597	1,207,895	574,702	231,057,922	161,858,702
261	2045-02-28	1,785,397	1,270,110	515,287	231,573,209	160,588,592
262	2045-03-31	1,788,197	1,222,178	566,019	232,139,228	159,366,414
263	2045-04-30	1,790,997	1,247,405	543,592	232,682,820	158,119,009
264	2045-05-31	1,793,797	1,236,482	557,315	233,240,135	156,882,527
265	2045-06-30	1,796,597	1,261,478	535,119	233,775,254	155,621,049
266	2045-07-31	1,799,397	1,250,887	548,510	234,323,764	154,370,162
267	2045-08-31	1,802,197	1,258,096	544,101	234,867,865	153,112,066
268	2045-09-30	1,804,997	1,282,739	522,258	235,390,123	151,829,327
269	2045-10-31	1,807,797	1,272,651	535,146	235,925,269	150,556,676
270	2045-11-30	1,810,597	1,297,055	513,542	236,438,811	149,259,621
271	2045-12-31	1,813,397	1,287,308	526,089	236,964,900	147,972,313
272	2046-01-31	1,816,197	1,294,646	521,551	237,486,451	146,677,667
273	2046-02-28	1,818,997	1,352,040	466,957	237,953,408	145,325,627
274	2046-03-31	1,821,797	1,309,574	512,223	238,465,631	144,016,053
275	2046-04-30	1,824,597	1,333,365	491,232	238,956,863	142,682,688
276	2046-05-31	1,827,397	1,324,490	502,907	239,459,770	141,358,198
277	2046-06-30	1,830,197	1,348,030	482,167	239,941,937	140,010,168
278	2046-07-31	1,832,997	1,339,510	493,487	240,435,424	138,670,658
279	2046-08-31	1,835,797	1,347,031	488,766	240,924,190	137,323,627
280	2046-09-30	1,838,597	1,370,192	468,405	241,392,595	135,953,435
281	2046-10-31	1,841,397	1,362,208	479,189	241,871,784	134,591,227
282	2046-11-30	1,844,197	1,385,112	459,085	242,330,869	133,206,115
283	2046-12-31	1,846,997	1,377,492	469,505	242,800,374	131,828,623
284	2047-01-31	1,849,797	1,385,147	464,650	243,265,024	130,443,476
285	2047-02-28	1,852,597	1,437,323	415,274	243,680,298	129,006,153
286	2047-03-31	1,855,397	1,400,695	454,702	244,135,000	127,605,458
287	2047-04-30	1,858,197	1,422,941	435,256	244,570,256	126,182,517
288	2047-05-31	1,860,997	1,416,247	444,750	245,015,006	124,766,270
289	2047-06-30	1,863,797	1,438,225	425,572	245,440,578	123,328,045
290	2047-07-31	1,866,597	1,431,908	434,689	245,875,267	121,896,137
291	2047-08-31	1,869,397	1,439,755	429,642	246,304,909	120,456,382
292	2047-09-30	1,872,197	1,461,326	410,871	246,715,780	118,995,056
293	2047-10-31	1,874,997	1,455,581	419,416	247,135,196	117,539,475
294	2047-11-30	1,877,797	1,476,875	400,922	247,536,118	116,062,600
295	2047-12-31	1,880,597	1,471,517	409,080	247,945,198	114,591,083
296	2048-01-31	1,883,397	1,480,572	402,825	248,348,023	113,110,511
297	2048-02-29	1,886,197	1,514,262	371,935	248,719,958	111,596,249
298	2048-03-31	1,888,997	1,496,734	392,263	249,112,221	110,099,515
299	2048-04-30	1,891,797	1,517,279	374,518	249,486,739	108,582,236
300	2048-05-31	1,894,597	1,512,928	381,669	249,868,408	107,069,308
301	2048-06-30	1,897,397	1,533,186	364,211	250,232,619	105,536,122
302	2048-07-31	1,900,197	1,529,235	370,962	250,603,581	104,006,887
303	2048-08-31	1,902,997	1,537,410	365,587	250,969,168	102,469,477
304	2048-09-30	1,905,797	1,557,233	348,564	251,317,732	100,912,244
305	2048-10-31	1,908,597	1,553,888	354,709	251,672,441	99,358,356
306	2048-11-30	1,911,397	1,573,416	337,981	252,010,422	97,784,940
307	2048-12-31	1,914,197	1,570,481	343,716	252,354,138	96,214,459
308	2049-01-31	1,916,997	1,577,905	339,092	252,693,230	94,636,554
309	2049-02-28	1,919,797	1,618,516	301,281	252,994,511	93,018,038
310	2049-03-31	1,922,597	1,594,741	327,856	253,322,367	91,423,297
311	2049-04-30	1,925,397	1,613,556	311,841	253,634,208	89,809,741
312	2049-05-31	1,928,197	1,611,649	316,548	253,950,756	88,198,092
313	2049-06-30	1,930,997	1,630,157	300,840	254,251,596	86,567,935
314	2049-07-31	1,933,797	1,628,675	305,122	254,556,718	84,939,260
315	2049-08-31	1,936,597	1,637,216	299,381	254,856,099	83,302,044
316	2049-09-30	1,939,397	1,655,258	284,139	255,140,238	81,646,786
317	2049-10-31	1,942,197	1,654,421	287,776	255,428,014	79,992,365
318	2049-11-30	1,944,997	1,672,147	272,850	255,700,864	78,320,218
319	2049-12-31	1,947,797	1,671,746	276,051	255,976,915	76,648,472
320	2050-01-31	1,950,597	1,680,438	270,159	256,247,074	74,968,034
321	2050-02-28	1,953,397	1,714,732	238,665	256,485,739	73,253,302
322	2050-03-31	1,956,197	1,698,005	258,192	256,743,931	71,555,297
323	2050-04-30	1,958,997	1,714,925	244,072	256,988,003	69,840,372
324	2050-05-31	1,961,797	1,715,634	246,163	257,234,166	68,124,738
325	2050-06-30	1,964,597	1,732,227	232,370	257,466,536	66,392,511
326	2050-07-31	1,967,397	1,733,387	234,010	257,700,546	64,659,124
327	2050-08-31	1,970,197	1,742,296	227,901	257,928,447	62,916,828
328	2050-09-30	1,972,997	1,758,391	214,606	258,143,053	61,158,437
329	2050-10-31	1,975,797	1,760,235	215,562	258,358,615	59,398,202
330	2050-11-30	1,978,597	1,775,993	202,604	258,561,219	57,622,209
331	2050-12-31	1,981,397	1,778,299	203,098	258,764,317	55,843,910
332	2051-01-31	1,984,197	1,787,367	196,830	258,961,147	54,056,543
333	2051-02-28	1,986,997	1,814,905	172,092	259,133,239	52,241,638
334	2051-03-31	1,989,797	1,805,664	184,133	259,317,372	50,435,974
335	2051-04-30	1,992,597	1,820,562	172,035	259,489,407	48,615,412
336	2051-05-31	1,995,397	1,824,045	171,352	259,660,759	46,791,367
337	2051-06-30	1,998,197	1,838,594	159,603	259,820,362	44,952,773
338	2051-07-31	2,000,997	1,842,554	158,443	259,978,805	43,110,219
339	2051-08-31	2,003,797	1,851,849	151,948	260,130,753	41,258,370
340	2051-09-30	2,006,597	1,865,867	140,730	260,271,483	39,392,503
341	2051-10-31	2,009,397	1,870,552	138,845	260,410,328	37,521,951
342	2051-11-30	2,012,197	1,884,212	127,985	260,538,313	35,637,739
343	2051-12-31	2,014,997	1,889,387	125,610	260,663,923	33,748,352
344	2052-01-31	2,017,797	1,899,161	118,636	260,782,559	31,849,191
345	2052-02-29	2,020,597	1,915,869	104,728	260,887,287	29,933,322
346	2052-03-31	2,023,397	1,918,181	105,216	260,992,503	28,015,141
347	2052-04-30	2,026,197	1,930,900	95,297	261,087,800	26,084,241
348	2052-05-31	2,028,997	1,937,311	91,686	261,179,486	24,146,930
349	2052-06-30	2,031,797	1,949,658	82,139	261,261,625	22,197,272
350	2052-07-31	2,034,597	1,956,573	78,024	261,339,649	20,240,699
351	2052-08-31	2,037,397	1,966,251	71,146	261,410,795	18,274,448
352	2052-09-30	2,040,197	1,978,034	62,163	261,472,958	16,296,414
353	2052-10-31	2,042,997	1,985,715	57,282	261,530,240	14,310,699
354	2052-11-30	2,045,797	1,997,118	48,679	261,578,919	12,313,581
355	2052-12-31	2,048,597	2,005,315	43,282	261,622,201	10,308,266
356	2053-01-31	2,051,397	2,015,068	36,329	261,658,530	8,293,198
357	2053-02-28	2,054,197	2,027,796	26,401	261,684,931	6,265,402
358	2053-03-31	2,056,997	2,034,914	22,083	261,707,014	4,230,488
359	2053-04-30	2,059,797	2,045,367	14,430	261,721,444	2,185,121
360	2053-05-31	2,192,822	2,185,121	7,701	261,729,145	0

이자가 많지만 체증식이 유리한 이유

시중은행에서는 취급을 하지 않는것이 단점으로 작용한다. 이 뜻은 시중은행에서 체증식 방식이 수익적으로 유리하지 않다는 점으로 봐도 될것으로 보여진다.

특례 보금자리론이라는 이벤트성, 복지차원에서 생겨난 대출 방식이라는 점을 참고 한다면 받을수있는 기회가 된다면 체증식이 좋은 선택이 될수있다.

• 만 40세 미만에 가능한 대출 상환 방식
• 1주택자, 무주택자만 가능함.
• 매달 납부하는 원리금이 초반에 낮다는 장점
• 중도 상환 수수료 면제

위 장점은 젊은 나이의 주택구매자가 누릴수 있는 혜택이 있다. 만 40세 미만인점과 1주택 또는 무주택자만 이용이 가능하다는 점이다.

또한 매달 납부하는 원리금이 초반에 낮다는 장점은 월소득이 지금은 낮지만 점점 늘어날 가능성이 높은 젊은 세대는 좋은 선택이 될수있다는 점이다.

지금은 금리가 4%대를 이루고 있지만 현재의 금리는 FED에서 급격하게 올린 금리이다. 이 금리가 영원할수 없다는 점을 생각한다면 언제는지 3%금리 또는 2%금리 고정금리가 나타난다면 언제든지 대환을 하고 신규 대출로 바꿀수 있다는 점이다.

가능성이 많은 젊은 세대

예비 젊은 주택구매자 여러가지의 가능성이 있다. 아래와 같이 나열해본다면 체증식 상환 방식을 선택할수 밖에 없다고 생각한다.

젊은 세대는 점점 소득이 늘어나게 되어있고 미리 받아둔 대출금액과 점점 증가하는 화폐가치의 하락을 생각한다면 20년뒤의 대출 상환 금액은 크게 다가오지 않을수도 있다.

또한 젊은 세대는 아무리 오래 그 지역에 거주한다고 해도 5~10년 이내에는 이사를 할 확률이 높다. 조금더 넓은 평수, 조금더 좋은 환경의 입지로 옮길 확률이 높다.

중도 상환 수수료가 면제이기 때문에 다시 저금리 시대가 되었을때 처음 매수한 아파트를 매도하고 갈아타기를 해도 된다.

• 지금은 소득이 낮지만 점점 늘어나는 안정된 직장이나 업종에 있다.
• 지금 구매하는 집에 길게 거주 하더라도 5~10년 이내에는 옮겨갈 가능성이 있다.
• 금리는 언젠가 떨어지게 되어있다. 영원한 것은 없다.
• 현재의 금리(2023년 5월) 4.15%는 계속 유지되는 것이 아니다.
• 중도 상환 수수료 면제

마치며

체증식 분할상환 단점에 대해서 알아보았다. 단점은 점점 늘어나는 원리금과 대출 이자가 가장 많다는 점이다. 하지만 지금 받는 대출 이자는 영원한 것이 아니다. 사이클은 계속 오르락 내리락 돌게 되어있고 금리는 다시 떨어질수 있다.

젊은 세대는 많은 변수를 갖고 있기 때문에 처음 매수한 집이 평생 집이 되지 않는다고 생각한다. 길어봐야 5~10년이면 다른 어디론가 이사를 계획하고 있을 것이다.

특례보금자리론이라는 특례 상품에 대해서 잘 생각해보고 시중은행에서 취급하지 않는다는 점을 잘 생각하고 대출 상환 방식에 고민해보면 좋을 것 같다.

아래 기사에서는 특례보금자리론 예산 40조가 6개월만에 소진이 예상된다는 기사이다. 재원을 늘려서 추가 공급한다는 계획이 있다. 어쨌든 특례 보금자리론은 한시적으로 운영되는 이벤트 대출이라고 봐야한다.

https://www.donga.com/news/Economy/article/all/20230413/118830583/1

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