<Anchor> According to

the real estate measures issued last month, the charter loan threshold will increase from the 10th. Anyone who buys more than 300 million won in a regulated area will not be able to get a separate charter loan. This is to prevent the so-called gap investment in buying a house on a charter basis.

Reporter Yoo Deok-gi covered.

<Reporter> If

the person who received the charter loan after the 10th comes to buy more than 300 million won apartment in the speculative area and the speculative overheating district, the charter loan is immediately recovered.

If you buy an apartment of more than 300 million won after 10 days and get a charter from another house, you cannot get a charter loan.


In order to prevent the so-called'gap investment' of buying an apartment with a charter, it is not allowed to spend the money borrowed from a loan.

In Seoul, where the entire district is a speculative overheating district, less than 4% of the apartments with a market price of less than 300 million won have made gap investment virtually impossible.

It is said that it will help to stabilize the house price by blocking the gap investment.

[Kyu-Jung Kim/Research Fellow, NH Investment & Securities Co., Ltd.: Although there may be an effect of blocking the gap investment using charter funds, there is a limit to blocking the gap investment with private funds. Only the so-called rich have become more advantageous... .]

There is also a complaint that Seoul's housing supply has prevented the opportunity to build my own house in my 30s or 40s, which is difficult to win even if the housing supply cannot keep up with demand.

[Thirty mistakers: Ah, I can't buy a house with (gap investment)… When you can collect this and when you are close to work and can you find a house that is available within at least an hour.] If you get a rented house

outside the city limits where you own your house by accident, such as a job shift or child education, if both households live in You can get a charter loan.

Chartered loan restrictions do not apply to villas, multi-family houses or inherited apartments.

After 10 days, the limit on the guarantee of one homeowner's charter loan will be 200 million won lower than before.

(Video coverage: Senior style, Video editing: Commissioner Yang, CG: Kyuyeon Kim)