◀ Anchor ▶
To break through this narrow commercial cliff, the government continues to loosen regulations related to the housing market.
It has been announced that it will allow home mortgage loans for people with multiple homes, but it seems difficult to have an immediate effect in the current environment of high interest rates.
Reporter Ayoung Kim will tell you.
◀ Report ▶
The government has also announced it will unfreeze mortgage lending for people with multiple homes who own multiple homes.
[김주현/금융위원장]
“There are many instances where mortgage loans are not permitted for multiple homeowners or rental business owners.”
Looking at the market situation in the future, we will make progress so that these people can also use mortgage loans.
The government has already allowed apartment mortgage loans exceeding 1.5 billion won in speculation-heated districts and relaxed LTV rules for non-homeowners.
It is also decided to promote acquisition tax reductions when people with multiple homes purchase additional homes.
The aim is to induce a soft landing by preventing a steep drop in prices by opening real estate transactions blocked by a cliff.
Immediate liberalization could alleviate the concerns of “temporary second home owners” who find it difficult to move into a new home because the existing home is not being sold.
However, it is expected that it will not be easy to resume the buying trend unless the high interest rate, which is the root cause of the housing crisis, is resolved.
[함영진/직방 빅데이터랩장]
“I have to pay 5-7% interest on the mortgage, but I don’t think it’s an easy choice to buy another house…”
The “Judamdae” regulation for people with multiple homes was introduced in 2018 during the Moon Jae-in administration.
[최종구/당시 금융위원장 (지난 2018년)]
“I have a lot of money, so I can’t help but buy another house with that money, but the purpose is to prevent banks from providing financial support to such speculative demand.”
Some point out that while the effect on the housing market is small, it only benefits potential speculators, creating factors that will drive home prices up again when the housing market changes in the future.
I’m Kim Ah-young from MBC News.
Video Editing: Jinwoo Kim
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