Until now, a financing plan was issued only when buying a house in excess of 900 million won in a speculative overheated district.
It covers virtually the entire metropolitan area, including Seoul.
Reporter Han Se-hyun on the report.
<Reporter> Although the
transaction of high-priced housing has greatly shrunk due to successive real estate measures, demand for mid- to low-priced apartments in Seoul and Gangbuk is relatively steady.
Whether or not a funding plan is submitted also affects the transaction.
[Seoul Gangbuk-gu Realtor: Look here, why are there so many?
They are all 290 million, 290 million, less than 300 million.
This is so much because I don't write a financing plan here.]
Houses that don't need to report a financing plan often have speculative demand.
[Nowon-gu, Seoul: (among customers) There were two Daegu, one Busan, and one in Gwangju, Jeolla-do…
This is about 200 million won (trading price).] In the
future, in regulated areas such as overheated speculation and adjustment target areas, you must submit a financing plan regardless of the house price.
The targets for submitting evidence that can objectively prove the funding plan are also expanded.
Currently, when buying a house in excess of 900 million won in a speculative overheated district, you must submit proof of your deposit balance or a gift tax return.
[Gimgyujeong / Korea Investment & Asset Succession Research Institute: the consumer trying a low-cost investment in affordable but also seems to be feeling the reporting burden on the procurement audits and occupancy planning, financing speculative demand sentiment is slightly softened;
the addition subsidiaries When buying or selling a house, you must also report the current status of the company, whether you have a special relationship with the counterparty, and the purpose of acquisition.
When a corporation buys a house, it must also provide a financing plan regardless of the location or price of the house.
This is to prevent expedient gifting or speculation through corporations.
[Lim Kyung-in / Tax Accountant (Head of Hana Bank's Tax Affairs Team): In all stages of acquiring, operating, and disposing of houses, I feel the willingness to treat them at a disadvantage rather than individuals.] The
reinforced regulations will take effect on the 27th.