<Anchor>

Friendly economy, reporter Kwon Ae-ri will be with you today (25th). Reporter Kwon, the government that pressures multi-homed people has also made exceptions for temporary two-homed people considering the realistic conditions. The authorities will intensively investigate whether the landlords are actually disposing of their homes within the deadline.

<Reporter>

Yes. This story is coming out because almost two years have passed since the September 13, 2018 measures came out. The 13th of the next month will be two years.

For the first time in the 9/13 countermeasures, there is a plan not to pay mortgage loans to multi-homeowners in regulated areas or higher.

However, since the house is not easily traded, there can be a jet lag when buying a new house and selling the house you lived in. It is said that the period required to dispose of the original house is considered to be up to two years.

An exception was given to mortgage loans for those who were one homeowner and then temporarily became two homeowners.

So, immediately after the 9/13 countermeasures, a person who received a mortgage loan in a regulated area but couldn't dispose of one of the two houses, now has only three weeks left to dispose of the existing house.

The Financial Services Commission yesterday nailed it to start an intensive inspection on temporary two-households.

He stressed that if the two houses in the regulated area were checked and the loans were not disposed of as promised, they would actually recover the loans.

<anchor>

If this number is very small, it is unlikely that Kwon will ever talk about this, and how many temporary two-households are there?

<Reporter>

I have been able to figure out some estimates, but there is a data that the Financial Supervisory Service recently submitted to the Democratic Party's Rep. Park Yong-jin.

Looking at this, more than 3,700 people have received mortgage loans on the condition that they will dispose of their existing homes by the end of the first half of this year since the September 13th measures.

Of these, a little more than 2,400 people actually sold their existing homes. Less than 8%. More than 28,300 people were unable to dispose of existing houses until the end of the first half.

Of course, many of these people have not yet returned their deadlines. Even taking that into account, there are 1,270 people whose maturity is definitely coming back by the end of this year.

And more than 80% of these are concentrated in Seoul and the metropolitan area. The property in Seoul and the metropolitan area can be said to be locked.

As the tax burden on corporations with housing will increase in the future, we hear news that corporations are selling on the market.

However, based on the latest monthly data, last month, apartment transactions in Seoul decreased by 40% from June.

In the case of Seoul, the monthly transaction volume fell again below 10,000 units per month, the standard that generally divides'active' and'no' in the market above average.

There is a prospect that multi-homed people will offer some homes within this year as the burden of ownership tax on individual multi-homed people will increase from next year.

Since the transfer tax is not small, there is a view that there are more people who hesitate while weighing the burden on the transfer tax.

In this situation, even if temporary two-households in the metropolitan area offer only the size of the property that they promised while receiving a loan, it will have the effect of making the market more popular to some extent.

<Anchor>

What if I don't dispose of my existing house within the deadline, or I can't do this?

<Reporter> The

loan will be canceled immediately. You must return the loan immediately. There are a few, but some of the people who have been ended up can collect money and pay off the loan right away.

However, even in such a case, there is a record of breaking the promise. I have been registered for so-called agreement violations. Housing loans will be banned for the next three years.

Until now, I have mainly talked about temporary two-households, but it also applies to those who were homeless in the Jeongjeong area, but bought a house worth more than 900 million won and became a new one. In a regulated area.

Such a person has to get a mortgage loan and enter the house within two years of the accident. You have to start living.

Immediately after the 9/13 measures, they bought a house over 900 million won in a regulated area, and there are no plans to live yet. After the 13th of next month, the mortgage loans received will begin to be recovered immediately.

And after the 12/16 measures, the end of this period, which could be granted an exception to the headline regulation, began to decline to one year. And the range of applications has continued to expand.

The parties have already been familiar with the loan, and the banks also give notice from 2 to 3 months before the maturity, but the maturity comes back quite quickly anyway.

After the June 17th Measures, most of the people who received temporary consultations in the metropolitan area must resolve the condition by the first half of next year. You need to look carefully and handle it so that it is resolved within the deadline.