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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 various measures, but in a nutshell, it seems like this is really a house to live in, do not buy a house to live in or buy a house.

<Reporter>

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

First, the balloon effect of tweezers regulation was cited as a major reason for the recent increase in house prices. So-called tweezers regulation is to select and regulate this unit only to shake in order not to burden the game.

As I did that, the house prices continued to rise from side to side and side to side. 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.

This is all except for areas near the ceasefire line and places with large natural conservation areas such as 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, as well as Ansan, were 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 the restrictions on the regulatory areas, 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 house price.

I already have a loan from the previous generation, but 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 company regulations, but it does not take long.

In addition, there are some areas where developments have been said to have led the rise in home prices recently.

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

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is forbidden at all. And 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, in order to obtain a pre-sale right, it is no longer necessary 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 the price of the house?

<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, as there will be few transactions per se.

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 people's favorite areas. 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 loan regulation is so strong that it becomes more disadvantageous to ordinary people who cannot afford to live without paying a little debt.

And there are some diagnoses that this demand restraint can eventually lead to adverse effects that further reduce supply.

[Kim Kyu-Jung/ NH Investment & Securities Real Estate Research Fellow: (Reconstruction) Since the end of this year when regulations are enforced, it seems that the number of unions that actually give up or put off reconstruction for the time being will increase. 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 become insufficient again as the reconstruction business as a supply source for the city center becomes difficult.]