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Changwon Unicity Complex and large vacant lot [사진 = 연합뉴스]
The government has designated Pohang, Jeonju, Gongju and Yeosu as regulated areas. Changwon’s Uichang-gu, where house prices have soared recently, has clustered into a higher speculative overheating district.
The Ministry of Land, Infrastructure and Transportation held the “Residential Policy Deliberation Committee” on the 17th, with Uichang-gu in Changwon as an overheated district, 9 in Busan, 7 in Daegu, 5 in Gwangju, 2 in Ulsan, Paju , Cheonan, Jeonju, Changwon, Pohang, etc. It has recently designated it as an area subject to adjustment. “It has been a month since the government designated 7 locations, including Haeundae and Suyeong in Busan, Suseong-gu, Daegu and Gimpo-si in Gyeonggi-do on the 19th of last month.
The Ministry of Land, Infrastructure and Transportation explained that the price of Uichang-gu, Changwon, has recently skyrocketed, mainly in the areas where apartments are concentrated, and the proportion of purchases from outsiders has also increased. Also increased investment demand in new high-priced complexes and gap investment in construction complexes.
In the case of Busan, nine new locations, including Seo, Dong, Yeongdo, Busanjin, Geumjeong, North, Gangseo, Sasang, and Saha-gu, were recently added to the target area for adjustment. This means that, including Haeundae-gu, which has been designated as a regulated area, all areas except Jung-gu and Gijang-gun have been designated as regulated areas.
In Daegu, seven regions, including Central, East, West, South, North and Dalseo-gu, and Dalseong-gun, have recently been designated as target areas for adjustment, and all Dalseong-gun cities are subject to regulation. In Gwangju, five places, including the east, west, south, north, and Gwangsan-gu, and two in Ulsan, including Jung and Nam-gu, were recently designated as target areas for adjustment.
In addition, 13 regions of 11 cities, including Paju, Cheonan, Southeast and Seobuk-gu, Nonsan, Gongju, Jeonju Wansan and Deokjin-gu, Changwon Seongsan-gu, Pohang Nam-gu, Gyeongsan, Yeosu, Gwangyang and Suncheon, were grouped as target areas for adjustment.
The areas recently designated as regulated areas on this day were areas where house prices skyrocketed due to the balloon effect as investment demand stalled after metropolitan and metropolitan areas were designated as regulated areas.
Regarding the area subject to adjustment, a place that is judged to be overheated is selected among the areas that have met the quantitative requirements, such as the rate of increase in house prices for three months greater than 1.3 times the inflation rate .
When designated as an adjustment target area, various loan regulations apply, such as 50% of the section where the mortgage loan ratio (LTV) is less than 900 million won and 30% of the excess of 900 million won. won, and 50% of the total debt repayment rate (DTI) is applied. To receive. In addition, taxes related to real estate, such as capital gains tax and comprehensive real estate tax, will be further strengthened, and subscriptions will be subject to various regulations, such as higher qualification requirements.
Overheated speculation zones are designated between areas where the rate of increase in house prices is significantly higher than the inflation rate, and between areas where the underwriting competition rate is high or there is a risk of price increases. due to a sharp decrease in the supply of housing. If the LTV is less than 900 million won, 40% will apply and 20% will apply if the LTV exceeds 900 million won.
An official from the Ministry of Land, Infrastructure and Transport said: “In the case of a region subject to adjustment, a metropolitan city and a city with a population of 500,000 or more should be designated as far as possible if the quantitative requirements are met. , and in the case of small and medium-sized cities with less than 500,000, the rate of increase in house prices is high and the connection with neighboring regions is determined to be high. I selected it. ”
Experts feared that only the designation of a regulated area that was not followed by supply measures could only promote another balloon effect. Deok-rye Kim, director of housing policy at the Housing Industry Research Institute, explained: “The designation of a regulated area is a short-term measure to suppress demand, and its significance has faded over time. over three years, “he said. “We have reached a tipping point where long-term supply management measures need to be looked at prospectively.” did.
The designation of areas subject to adjustment and dumping of overheated areas comes into effect from 0 am on the 18th.
Additionally, some cities of Jung-gu, Yangju, and Anseong-si, which were previously designated as target areas for adjustment, were removed from the regulated areas. These areas were designated as areas subject to adjustment in the June 17 real estate measures, but the rate of increase in house prices was less than the national average. As a result, there were 111 adjustment areas and 49 overheated areas across the country.
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