요즘 제일 부러운 사람은 빚 없는 사람입니다｜이자에 등골 휘는 4050의 밤

#4050 #RealisticAdvice #OfficeWorkerIn40s #MiddleAgedVlog #OfficeWorkerIn50s #Debt #InterestBurden #InterestRateHike #MortgageLoan #HouseholdDebt #BorrowingAllIn #Auction #OfficeWorkerRelatability #ManagerSongRecord 00:00 The person I envy most these days wasn't someone with a lot of money 04:00 A house bought with a 400 million won loan; monthly interest went from 1 million won to 2 million won 09:00 280,000 people lost their homes last year alone; it's not just someone else's story 14:00 The reason I could fill my brother's glass was because my glass hadn't been knocked over yet Today is a story about sitting around with my brothers at a pub on a night when the whole country was buzzing with talk of interest rates. I realized I wasn't envying people with a lot of money. It was a night when I envied people without debt the most. A person who bought a house in Seoul by borrowing 400 million won was paying 1 million won in monthly interest a few years ago. However, at current interest rates, that amounts to 2 million won. The debt remains the same, but a new 1 million won has emerged to vanish every month. Last year alone, 280,428 homes went to auction, unable to bear the weight of the debt—a 24.9% increase from the previous year and the highest number since 2009. There is no grand conclusion. It is simply that the reason I was able to fill my brother's glass that day was because my own glass hadn't been knocked over yet. Just as much as I could handle—that was the only thing. Tonight, I am simply saying that I will check just one thing: the maturity date of my fixed-rate loan. If anyone is spending this night with similar feelings, I hope you will listen to this as if we were just having a drink together tonight. I live a carefree life, doing my best. This is Assistant Manager Song, a working professional who came up from Busan and is holding out in Seoul. 📢 [Send Stories & Communicate] We are waiting for stories from working professionals and heads of households living with similar worries. Don't suffer in silence; please open up. Anonymity is strictly guaranteed. Your story can be a great comfort to someone. 👉 Email: [email protected] ⚠️ [Copyright Notice] All content (script, audio, and video edits) of this video belongs to the [Song Chajang Gireok] channel. Unauthorized use, reposting, and uploading of derivative works are prohibited, and violations may result in legal liability. Story Submissions & Inquiries 👉 Email: [email protected]