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friendly economy, today (18th), I will dissect the real estate measures announced yesterday with reporter Kwon Aeri. Reporter Kwon, there have been a number of measures, but in a nutshell, it seems like this is really a house to live in, a house to live in, or a house to buy.

<Reporter>

Yes. There are several reasons that have recently caused home prices to rise again. It is a policy to respond to each of these with stronger regulations.

First, the balloon effect of tweezers regulation was recently cited as a major reason for the increase in house prices. So-called tweezers regulation is to select and regulate the same unit only to shake to avoid the burden on the game.

As I did that, the house prices continued to rise right next to each other. So tweezers have grown a lot this time.

Among the areas that have not been regulated by real estate, most areas in Gyeonggi, Incheon, and the metropolitan area have been regulated areas that can be considered as the first phase of regulation.

It's all except the area near the ceasefire line and places with large natural conservation areas like Gwangju or Yeoju. Also included are Daejeon and Cheongju, where home prices have increased a lot since last year.

Some have been transferred from the existing regulatory stage 1 regulatory zone to the regulatory stage 2 speculative overheating district. These are places like Anyang, Guri, Suwon, Yongin, and Hwaseong.

Some of the districts in Incheon and Daejeon have been not regulated until now, but at this time, they were selected as the second stage of regulation, speculative overheating district.

As such, it can be said that the increase in house prices in these regions was large. It will be applied immediately from tomorrow.

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regulatory area has also expanded, but restrictions on areas within the regulatory area, such as loans, have also been strengthened.

<Reporter>

Yes. In particular, regulations on buying a house on a charter basis have become stronger. If you buy more than 300 million won apartments in speculative overheating districts including Seoul, it will be difficult to get out of the next generation.

Until now, this loan limit was imposed only on apartments over 900 million won, which significantly lowered the price of the standard house.

I already have a loan from the previous generation, and after that I buy a house with more than 300 million won, and the loan cannot be extended. In addition, when receiving a previous generation, the institution's guarantee and this guarantee amount cannot be exceeded 200 million won.

Places such as HUG, the Housing and Urban Guarantee Corporation, which guarantees all household loans, can be done immediately after fixing the regulations, but it will not take long.

In addition, there are some areas where developments have been said to have led to the recent increase in the price of homes.

Seoul Daechi-dong, Samsung, Cheongdam-dong, and Jamsil again. It is forbidden to buy a house on a charter in the area for one year from next Tuesday.

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is forbidden at all. And it was said that this was an unexpected part of the market, but there were strong regulations in the reconstruction area.

<Reporter>

Yes. That's right. Especially in the speculative overheating district of the metropolitan area, to get a pre-sale right now, you just have to buy and buy a house. You have actually lived in that house for more than two years.

This can be implemented only by changing the relevant laws, but the plan is to complete the revision of the law by the end of this year, and then it will be applied from the reconstruction complex to apply for the establishment of a union.

And it was decided that this was already in conformity with the Constitution at the end of last year. It means that if you rebuild, you will pay as much as you will profit, but the specific size of the charge was first announced this time.

According to the government's estimate, in the case of only 5 reconstruction projects in Gangnam, Seoul, an average of around 500 million won per member should be paid. It is a policy to collect this contribution in earnest starting this year.

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reconstruction This part seems to be a very strong regulation, but when all these regulations are put together, is it finally a house price?

<Reporter>

First, in the short term, there are few people who have different opinions about the fact that home prices will stop rising. The prospect that the market will be quiet for the time being is dominant because there will be few transactions.

The key is how it will affect in the long run, and there are many opinions about it. One thing is that all the people who have been in real estate transactions these days are so-called speculators or not.

The anxiety of ordinary people, who may not have my home, has recently played a role in raising the price of the house, but how to resolve the anxiety, wait a little longer, and gradually supply prices to the people's favorite area. There are hopes that even those with such anxiety will be able to find a home, but in fact, there are already complaints that the regulation of loans is so strong that it becomes more disadvantageous to ordinary people who cannot afford a home without paying any debt.

And there are also some diagnoses that this demand restraint can eventually lead to a further adverse effect of reducing supply.

[Kim Kyu-Jung/ NH Investment & Securities Real Estate Research Fellow: (Reconstruction) Since the end of this year when regulations are in effect, it seems that there will actually be more unions who give up or put off reconstruction for the time being. If this happens, the rise in the price of the apartments in the rebuilding stake will be suppressed, but in the mid- to long-term, the supply of new apartments in the city center may rise again as the supply of new apartments in the city becomes difficult.