[새해가 무서운 사람들] ② “Only people who couldn’t buy a house became beggars”… Homeless suffered from’real estate blue’-Chosunbiz

Enter 2020.12.30 06:00 | Revision 2020.12.30 06:40

“The homeless people literally became’thunderbolts’. Now the price has jumped so that it is impossible to buy a house, and the loan is blocked. To make matters worse, it has soared to the jeonse and is on the verge of depression.”

As property prices soared over the year, homeless people felt more deprived. Homeless people are even complaining about’real estate blue (depression)’, suffering from mental pain and loss of real estate, as house prices jump to the ceiling and jeon and monthly rent prices skyrocket. In the real estate market next year, as it is predicted that house prices will not ease as easily as this year, homeless people are getting worse.

◇ People who have not bought a house and are in a’thunderbolt’… Just a sigh as the price of the house I sold increases

This year was a year for homeless people to sigh whenever they watch real estate news. Kim Mo, 47, a self-employed homeless man laughed bitterly, saying that he was one of the people who became thunderbolts this year. Thunderbolt is a relative concept of a’thunderbolt rich’ who became rich in an instant, and refers to those whose assets have widened from those who could not buy a house this year.

Mr. Kim said, “I tried to buy a house with a loan three years ago, but when the price of the house fell more, I decided to buy it, but eventually fell into a thunderbolt this year.” I said.

He continued, “In the vicinity, people who jumped into real estate early earned hundreds of millions of dollars, while those who endured renting to cheonsei seem to lag behind no matter how much they work.” But, rather, it was hit by the corona, and as time goes by, only the debt is increasing,” he sighed.

Choi Mo (52), an office worker, was upset after selling the house he was living in. In 2016, I sold an apartment in Songpa-gu, Gangnam, and tried to subscribe while living on a charter basis. The price of the apartment that was sold at that time jumped to the ceiling, but the subscription opportunity became as difficult as winning the lottery.

Choi complained, “The price of the apartment I sold has risen by 300 million won now from that time.” “I would like to go back if I can turn the time back, but now I have become a’refugee’ rather than buying a house.”

◇ The soaring jeonse rent… Tenants who were kicked out of Seoul and turned to Gyeonggi-do

This year’s real estate market has soared in price after nine years despite the government’s stringent regulations. When you press Seoul, the metropolitan area jumps, and when you press the metropolitan area, the’balloon effect’ is repeated. In addition, the jeonse market also became unstable as the new lease law introduced to stabilize the housing of the common people was paradoxically regarded as the main culprit of the deepening of the jeonse crisis.

As the rent for cheonsei has soared, some people are being driven out of their homes. Choi Mo, 39, who lives on a charter basis in Gangbuk-gu, Seoul, said that in January next year, before the jeonse expires, the landlord received a notification that’the son will be living in the newlyweds’ house, so please leave the house. The private house, which was bought for 200 million won two years ago, rose to 400 million won in August when the last lease contract was made.

The new lease law, which took effect on July 31, recognizes’the person or an immediate or subordinate real residence’ as a legitimate reason for refusing a tenant’s request for contract renewal. Because of this, the amount of jeonse has become scarce as the demand of the landlords who want to give gifts to their children before the house price rises further. As the prices of rents are rising along with the prices of houses nationwide, Choi is selling his feet from Seoul to outside Gyeonggi Province.

Tenants living in villas are also suffering from the surge in rent for cheonsei. Minmo, a 29-year-old office worker in Songpa-gu, Seoul, said, “I was a freshman in society, so I wanted to move to a villa rental house, but I wanted to move to a villa rental house. Even if the commute time is prolonged by asking for 10,000 won, I think I will have to go outside and find out the Wallet house again.”

◇ Conflict in real estate, spreading to social problems… The phenomenon of’class society’ clear

As real estate rallied across the country, depression from real estate emerged as a social problem. A tenant couple, who lived in an apartment complex in Mok-dong, Yangcheon-gu, Seoul, quarreled over an apartment purchase, and a husband murdered his wife and killed himself. They said they often quarreled over the issue of pursuing an apartment in the complex where prices were soaring.

It has become a’real estate class society’ in which the asset gap sharply widens depending on which area apartments were bought.

Park Sang-soo, a 30-year-old office worker, said, “I was looking for a newlywed house on a charter basis without the help of my parents, but the result was sharply divided whether the house was bought or sold at the time of marriage, and the result was sharply divided. The real estate is causing more anger.”

Homeowners are also not without complaints about the real estate market. Minji Cho, a housewife in her 40s who lives in Sangam-dong, Mapo-gu, said, “The area where I was going to move 10 years ago is hundreds of billions of dollars more than where I currently live, so every time I read real estate news, I get angry.” Because of the child’s education, the cost of the house in the neighborhood where I wanted to move was higher, so I couldn’t even pay.”

As the tax rate of real estate-related taxes increased significantly next year, homeowners’ concerns also increased. According to the data released by the government,’This will change from 2021′, the maximum tax rate for the comprehensive real estate tax will increase from 3.2% to 6.0% from next year. The general tax rate rises from 0.5 to 2.7% to 0.6 to 3.0%. The tax rate applied to three or more houses or two houses in an area subject to adjustment is significantly increased from 0.6 to 3.2% to 1.2 to 6.0%.

According to the 2020 National Tax Statistical Yearbook released by the National Tax Service, the number of one homeowner who paid the final tax last year was 19,2185, an increase of 50.9% from 2018 (12,7369). The ending tax they paid has more than doubled from 71.8 billion won in 2018 to 146 billion won last year.

Mr. Cho said, “I own a house worth over 900 million won, but I didn’t make a profit by selling the house, but I only lived, but only the tax rose.” I said.

◇ It is difficult to calm down the house price even in the new year.

It is highly likely that the suffering of homeless people from the surge in house prices this year and rent for cheonsei will continue next year.

As a result of a recent survey conducted by Real Estate 114, a real estate information company, to 1439 people across the country, it is expected that 69% of sales and 77% of jeonse will increase in price. This is the highest level since 2008, when related research was started.

In fact, according to the’November Economic Outlook Report’ published by the Bank of Korea, the Bank of Korea predicted that house prices will rise next year. The Bank of Korea said, “The rise in housing prices has slowed around the metropolitan area due to the government’s efforts to stabilize the housing market, and then the rise has expanded again since mid-October.” It will show an upward trend.”

The Korea Institute for Construction Policy also predicted that next year, the nationwide apartment sale price will increase by 2% and the rented price by 4%.

Invade Investment Advisor Lee Sang-woo, a former brokerage analyst, predicted that next year, house prices will rise and jeonse prices will remain unstable. CEO Lee said, “If the supply is not increased, the house price will inevitably rise,” he said. “In particular, the rented price will increase significantly next year, no different from this year, as sales will decrease due to lack of occupancy, the impact of the 3rd lease law, and demand for relocation.”