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The Ministry of Land, Infrastructure and Transportation held the “Residential Policy Deliberation Committee” on the 17th to designate Changwon Uichang-gu as an overheated district. The site was recently designated as an area subject to adjustment. “It has been a month since the government designated seven areas, including Haeundae and Suyeong in Busan, Suseong-gu, Daegu and Gimpo, Gyeonggi, as target areas for adjustment on 19 last month. As a result, there were 111 adjustment areas and 49 overheating areas of speculation. Changwon Uichang-gu was designated as an overheating district. In Busan, nine new locations, including Seo, Dong, Yeongdo, Busanjin, Geumjeong , North, Gangseo, Sasang and Saha-gu, have recently joined the target area. Daegu is also similar. As seven regions, including Jung, East, West, South, North, Dalseo-gu and Dalseong-gun of Daegu, were Recently designated as target areas for adjustment, all cities and towns in Dalseong-gun were subject to regulation. In Gwangju, five locations, including east, west, south, north, and Gwangsan-gu, and two in Ulsan , including Jung and Nam-gu, fu They were recently designated as target areas for adjustment.
[김동은 기자]Real estate regulation of “catching moles” … Combined with Busan, Pohang, Jeonju and Yeosu
Additional regulation of overheated areas by the Ministry of Land, Infrastructure and Transport
Changwon Uichang, Gyeonggi Paju, etc.
Balloon effect areas
Obsessed with regulating knowledge of the mole
The price of housing in Gangnam rises again
“Hundreds of drugs without supply measures are invalid”
The whole country is meant to be a regulated area. When the price of a house goes up, it is designated as a regulated area, and when a regulated area is designated, the price of houses in neighboring areas repeatedly increases due to the balloon effect. Experts advise that long-term measures, “supply policy,” rather than short-term measures, “regulatory policy”, should be used to set house prices.
On the 17th, when the government designated 37 new regulated areas (1 overheated speculation zone, 36 target areas for adjustment), the number of overheated speculation zones nationwide increased to 49 and 111 areas subject to adjustment.
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 will be designated as far as possible if the quantitative requirements are met. , and for small and medium-sized cities with less than 500,000 inhabitants, the rate of increase in house prices is high and the connection with neighboring regions is determined.
This is much larger than what the market originally expected. The areas recently designated as regulated areas are areas where house prices skyrocketed due to the balloon effect, as neighboring areas were designated as regulated areas and investment demand was blocked.
Representatively, in Uichang-gu, Changwon, designated as a speculative overheating district, apartment sales prices rose 3.39% for four weeks from Nov. 16 to Nov. 7. This is because on November 19, when popular areas like Haeundae-gu in Busan were grouped together as regulated areas, funds flowed into the adjacent city of Changwon.
The same is the case with Paju, where apartment prices increased 3.65% during the same period. The city of Gimpo, whose house prices had skyrocketed until then, was linked to a regulated area and the buying trend headed for Paju. Pohang, Gongju, Jeonju, and Yeosu are also counted as provincial cities that have seen large increases in house prices.
The designation of a regulated area takes immediate effect in that area. This is because the buying and selling of houses itself becomes difficult due to various tax regulations. As a target area for adjustment, a three-month house price increase rate exceeds 1.3 times the inflation rate, and a number of areas that meet the quantitative requirements are selected to overheat.
When designated as a target adjustment area, it is subject to various loan regulations, such as 50% for sections with a Home Loan Ratio (LTV) below 900 million won, 30% for sections above 900 million won and 50% for the total debt repayment ratio (DTI). 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 first-order qualification requirements. .
Overheated speculation zones are designated between regions where the rate of increase in house prices is significantly higher than the rate of inflation, and where there is a high risk of price increases due to high underwriting competition or a sharp decline in housing supply. If the LTV is less than 900 million won, 40%, and if it exceeds 900 million won, 20%, etc., loan restrictions and restrictions on reselling pre-sale rights apply.
However, experts explain that the effectiveness of these regulated area policies is limited. 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 for three years”.
Sim Gyo-eon, a professor in the Department of Real Estate at Konkuk University, said: “It is strange that the idea that regulations should be strengthened when the price of a house goes up is strange. It only makes transactions in the region uncomfortable and only causes the balloon effect on the surrounding area, but there is not a great effect. did.
When the government designated a restricted area to catch moles, the price of apartments across the country is rising, changing, and the buying trend is returning to the Gangnam area in Seoul. According to the apartment trends for the second week of December published by the Real Estate Agency that day, the sale price of apartments nationwide increased 0.27% compared to the previous week last week, registering the highest number in 8 years and 7 months after the statistics were compiled.
In particular, apartment prices in Gangnam’s 3rd district were higher than the average price in Seoul. Songpa-gu, which saw the largest increase, was up 0.08% this week after a 0.04% rise last week. Seocho-gu was up 0.03% last week, followed by 0.06% this week, while Gangnam-gu was up 0.04% in the fourth week of November and 0.05% in the second week. This week.
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