잔금일 앞두고 '멘탈 붕괴'...대출 꽉 막히자 '매매 포기' 위기 [자막뉴스] / YTN

This is a post from an online real estate forum stating that the buyer has finalized an apartment contract and is two months away from paying the remaining balance. The buyer laments that they may have to give up on the purchase, noting that while they are calling banks to inquire about a loan now that they need one, they only receive responses saying that applications have closed. This is because banks have begun tightening mortgage lending, and end-users for whom loans are essential are now knocking on the doors of secondary financial institutions. [Scheduled to pay the remaining balance in September: Applications for primary financial institutions are completely blocked for September, and I am very confused because it says that most slots in secondary financial institutions are already exhausted, despite their high interest rates.] The reason the financial sector, led by the five major commercial banks, has begun tightening lending is that they have already met nearly 80% of their target for household loan growth in the first half of this year. With only 20% of the limit remaining until the end of the year, they have begun managing the situation. Consequently, KB Kookmin Bank was the first to reduce the maximum mortgage loan limit in regulated real estate areas from the existing 600 million won to 300 million won. With the median price of apartments in Seoul exceeding 1.2 billion won, there are cynical reactions from actual buyers questioning whether it is truly possible to purchase a home with only this amount of loan. Due to tighter lending, there are predictions that transactions involving apartments priced over 1 billion won—which have driven the rise in Seoul's housing prices by catching up—may temporarily slow down. [Nam Hyuk-woo / Woori Bank Real Estate Research Institute: Since these are areas priced below 1.5 billion won, it is estimated that transactions between buyers and sellers will be delayed and slow down in the short term.] However, there are also voices predicting a "balloon effect," where buyers, armed with reduced loan amounts, shift their buying interest to cheaper micro-apartments or apartments on the outskirts of the metropolitan area. [Seo Jin-hyung / Professor, Department of Real Estate Law, Kwangwoon University: It appears that buying interest toward lower-priced apartments will continue for the time being.] [They believe there is a high possibility of price increases due to concentrated demand.] With opinions emerging at a real estate finance forum that lending should be eased for actual buyers, such as young people, and concerns raised about further increases in housing prices, attention is focused on whether the government can come up with measures capable of achieving the goal of housing stability for actual buyers after going through a process of gathering opinions. This is Jung Hyun-woo from YTN. ** Video Editing: Park Jung-ran Design: Jung So-hwi Subtitle News: Jung Eui-jin ※ 'Your Tip Becomes News' [KakaoTalk] Search for YTN and add the channel [Phone] 02-398-8585 [Email] [email protected] ▶ Original Article: https://www.ytn.co.kr/_ln/0134_202607... ▶ Send a Tip: https://mj.ytn.co.kr/mj/mj_write.php ▣ Subscribe to YTN YouTube Channel: http://goo.gl/Ytb5SZ ⓒ YTN Unauthorized reproduction, redistribution, and use of AI data are prohibited.