In 1962, General Electric researcher Nick Holoniac developed an LED (light-emitting diode).
It is a technology that lights up when the current direction matches a certain electrode direction, and has the advantage of creating vivid colors while saving power.
Since then, this advantage has been applied to traffic lights.
It is the development of an LED traffic light that uses up to 90% less power than conventional traffic lights and has a brighter color.
Since then, each state in the US has introduced this LED traffic light.
However, it was not long before an unexpected phenomenon appeared.
As winter came, breakdowns and malfunctions continued.
Existing traffic lights consumed a lot of power but did not freeze even in cold weather because they consumed a lot of power, but LED traffic lights with less heat could not withstand low temperatures.
There have been instances where the accumulated snow does not melt and traffic lights are broken.
The LED traffic lights clearly showed what would happen when the side effects were overlooked by being buried only in the positive effects.
● "It's a pity for my thirties for a long time."
As a reporter entering the Ministry of Land, Infrastructure and Transport, I saw 22 times of real estate measures, and I remembered this LED traffic light that was broken in winter.
After looking only at the positive effects of the measures, you will be wondering if you have missed the limitations and side effects behind them.
Among its limitations and side effects, recently the so-called'young' 30s have been controversial.
The
controversy amplified when the
Minister of Land, Infrastructure and Transport, Kim Hyun-mi, who oversees real estate policy, came to the National Assembly and
said,
"
I
feel sorry that the 30s bought what the corporations and others put out
."
Minister Kim explained that it was a remark to the effect that it would be better to wait for supplies such as new cities and sell them at a reasonable price, but the people in their 30s
were
angry, saying
, "Who did this happen because of whom?"
Why did those in their thirties, who are relatively new to society, start selling real estate with their souls?
● "It won't fall off easily" In their
30s, they were anxious.
I was afraid again.
The voice was full of fire.
They lacked assets, experience, and years, and they were nervous.
House prices are updated every day.
Seoul jeonse price increased for 62 weeks in a row.
For those in their thirties who struggled to get through the job war and adapt to a new world, the soaring house prices were horror.
The word'panic buying', which means to buy and see once in a state of panic, represented their anxious and anxious psychology.
How much has the replacement house price increased, so are those in their 30s going to so-called'panic buying'?
According to the data released by the Citizens' Alliance for Economic Justice, the median price of apartments in Seoul has jumped 314 million won from 660 million won to 920 million won in the past three years.
That's an amazing 52% increase.
Even when considering various external variables such as the global financial crisis, compared to the times of the Lee Myung-bak, who recorded -3% and the Park Geun-hye administration, which recorded +29%, the house price has clearly increased a lot.
(※ Minister of Land, Infrastructure and Transport, Kim Hyun-mi, refuted at the National Assembly, saying, "It has risen by 11%," based on statistics from the Korea Appraisal Board
.
On the Blue House National Petition bulletin board,
"It was said that the house price was clearly fixed, and I only believed and waited. Is this the price I supported and believed and waited for? Why has it doubled in 3 years?"
There was also an article called.
During the interview process, the 30s I met spoke firmly.
"According to the government's saying, the price of the house may not go up further. But even if it has already risen, it has risen too much. And it will not fall easily."
There was a deep distrust in stabilizing home prices.
In such a situation, the only option available to those in their thirties as a rational businesswomen was'Young-eul'.
● Broken Loan Ladder
If distrust in stabilizing home prices was'fire', the broken loan ladder was'oil'.
The fire of distrust poured out the oil of the cut off loan regulation, and the flame of'spirit' burned more vigorously.
At the time when the house price was stable, when loans were available up to 70% of the house price, there was a belief that borrowing money from a bank could buy a house, paradoxically, in their 30s, there was no need to rush to buy a house.
However
, even if we admit the stronger lending regulation and the positive policy effects it has, apart from that, the 30s were actually more anxious.
Like an LED traffic light that malfunctioned in the winter, this anxiety in their thirties probably wasn't included in the government's projections.
Loans that can be borrowed as collateral in areas subject to adjustment were limited to half for those under 900 million, 30% for those exceeding 900 million, and houses with over 1.5 billion won became impossible at all.
With the reality of Seoul's mid-level apartments approaching 1 billion won, the maximum amount of money that can be borrowed from a bank is 400 million won.
If I had at least 600 million won, I could have a medium-sized home in Seoul.
So,
before the loans declined further, the sentiment to buy a house wherever you can afford it now grew higher.
The so-called'fit height', a phenomenon in which apartment prices below 900 million are rising in line with the lending regulation line represents this anxiety.
In addition, the'anxiety' that credit loans could be blocked further encouraged real estate sales.
Credit loans are also the last hope that dual-income couples can lean on.
When credit is blocked, there is virtually no way to finance funds.
I tried to shout out loudly, "Yeah, I can be happy even if I'm homeless for my life!", but this confidence was quickly removed in front of the 62-weeks in a row.
If you're in your 30s, rather than a so-called'gold spoon', it's hard to get rid of the anxiety of'how will you prepare and finance housing funding?'
The walls of reality they face are too high and strong to condemn and rebuke those in their thirties who have gathered their souls to arrange a home.
●'Eongam Saengshim' Subscription Market
Even if we look at the subscription market, the seats allowed for those in their 30s are limited.
Recently, the score for the stability ticket that won the Seoul apartment is '70 points'.
This is an unrealistic score for those in their 30s.
Assuming that 39 years old, the oldest in their 30s, has a family of 4, the maximum subscription score that can be received is 57 points.
By this point, people in their 30s will only laugh.
Hundreds of millions of won worth of pre-sale costs to bear when winning, of course, is a separate matter.
The government also announced a housing supply plan to solve this problem.
But the reality is still not easy.
The Ministry of Land, Infrastructure and Transport analyzed the winners of private houses supplied from Seoul from January to the 20th of last month. As a result, the percentage of people in their 30s was 21%, which was significantly lower than last year's 35.8%.
The competition rate and winning scores soared, and the 30s were pushed out.
The number includes the winners of the special supply for newlyweds, so if you look at only the 30 units sold in general supply, it is even smaller.
In addition, since public sale is limited based on income, couples in their 30s who are double-income are not often eligible, even if they have a so-called “soil spoon”.
A 30-year-old who previously filed a petition on the Blue House bulletin board said, "I live with double earning to live hard, but if I do double earning, I can't put it in because of the income limit for the special supply of newlyweds. "He raised his voice.
Even if you think of the 3rd new city that the government has been ambitious to introduce, realistic barriers remain.
If you have to go to work in downtown Seoul, you will have to endure the commute time of up to 3 hours.
'Can you afford 3 hours round trip to work?'
The concerns of homeless people in their 30s deepen again.
● Lessons from the
previous generations
(?) The
behaviors of the wealthy people of the previous generations also inspire more greed for my home arrangement.
Because they act as if they are convinced that'the price of the house is not falling.'
One'Gold Spoon' in their twenties received a 2 billion won apartment in Gangnam-gu, Seoul at a cost of 1.50 billion won for a charter fee.
This is about the son of Democratic Party lawmaker Kim Hong-geol.
(※ Regarding this, Congressman Kim explained that his son was not in good health, and that he paid more than 600 million won as a gift tax, and that he received the jeon tax from the current generation.)
If the house price is really going to go down as the government explained, the house price after selling the house When this fell, it would have been a common judgment to buy a new one and give it through a jeonse.
Therefore, even the influential ruling party lawmakers in their 30s accept that they have decided that the house price will not go down.
Democratic Party leader Lee Nak-yeon also bought an apartment with a charter right after he was elected in the general election in April.
It is pointed out that it is a typical'gap investment' that the current government has criticized strongly.
Regarding this, Lee explained that it is not a gap investment, saying, "I have bought a new apartment for the purpose of moving and living after the apartment charter period I live in."
Whatever the case,
this choice of ruling party lawmakers who decide and drive real estate policy
leaves
the justification for advising people in their 30s not to buy a house.
In this situation, as Justice Minister Chu Mi-ae said, can the younger generation be considered a speculative force?
Those in their 30s, whom Minister Kim Hyun-mi said was regretful, so they have no choice but to plan a'young-eul' at this moment.
● Irresponsible optimism
Nevertheless, ruling party officials preach optimism.
The ruling party lawmaker, who said, "It won't fall that way, the house price," asked, "The house price will stabilize. What is so wrong with expressing optimism that a better environment will be created for my house?" .
People in their 30s ask again.
"If the house price continues to rise in the future as in the last 3 years, if even the credit loan is cut off and I can't buy a house, so I give up my dream of preparing my house, then will you be responsible?", "Advance real estate measures 22 Do you guarantee that the price of the house will be stabilized with unfounded self-confidence and courage, even after being put out many times?"
30s know.
That no one can be held responsible for anything.
That’s why I have no choice but to go back to'Young Cull'.
● "It is a child to see others' faults while not looking at one's faults."
On July 17 last year, the New York Times published an article looking at the future of autonomous vehicles.
The newspaper quoted Ford executive Jim Hackett, "We overestimated the advent of self-driving cars," and predicted that the introduction of fully self-driving cars with no human intervention would be much delayed than expected.
The reason was simple.
It was because it was too difficult for drivers and pedestrians to predict what decisions they would make at every moment, how they would judge and behave.
What would you do with real estate that is virtually all of your property?
Economic activity of this scale is a high-level intellectual activity that is different from driving and walking.
Obviously, the prediction is difficult.
In that respect, administrators dealing with real estate policy need to be more humble.
What are the actions the new policy will have on the market and its reactions, what are the expected side effects, what alternatives to come up with to minimize them, listen with a lower stance and study closely.
Earlier, Shin-heum, a literary man in the middle of the Joseon Dynasty, talked about the soldiers and children in this way.
"It is a villain who looks at one's own faults and does not look at others' faults. It is a villain who sees others' faults and does not look at one's faults.
Forgive one's faults, examine others' faults, silent about one's faults, and remain silent about others' faults. It is you, Indeed is a great transgression transgressions during tripping.
<blade section (檢身篇)> "
administrators, politicians, leading real estate policies What gentleman What postmark or what?
The people are asking with strict eyes.