Recently, as the number of cases of buying a house with money borrowed from family or acquaintances has risen sharply, it has been pointed out that investigations into expedient donations should be strengthened.



Democratic Party lawmaker So Byeong-hoon today (23rd) said, "Since the corona crisis last year, the number of cases of buying a house with money borrowed from a family or acquaintance other than a bank has increased significantly. We need to manage it so that it doesn't happen," he said.



As a result of an analysis by Rep. So, after receiving detailed details of the housing financing plan from the Ministry of Land, Infrastructure and Transport, the number of cases in which more than half of the total housing purchase funds were financed with 'other borrowings' increased from 1,256 in 2019 to 3,880 last year, 209% appeared to increase.



This year, as of the end of August, there were 4,224 cases, an increase of 144% from 1,733 cases in the same period of the previous year.



Rep. So said, "In the financing plan, 'other borrowings' are often misused as a means of expedient gift avoiding gift tax, as the borrowers are often family members or acquaintances. pointed out.



From 2018 to August of this year, 12,115 cases in which more than 50% of the total housing purchase funds were financed with 'other borrowings' were classified by the amount of other borrowings. There were 18 cases for KRW 5 billion, 37 cases for KRW 2 to 3 billion, and 281 cases for KRW 1 billion to KRW 2 billion.



A (24), who bought a house in Yongsan-gu, Seoul for 1.99 billion won in August last year, reported that he borrowed 1.79 billion won, which accounts for 89.9% of the housing purchase money, from his mother.



If Mr. A receives a loan from a bank with a 30-year maturity, an annual interest rate of 2.70%, and equal repayment of principal and interest, he must repay 7.26 million won to the bank every month So, he analyzed.



Rep. So said, "Is it really possible for a young man who has just graduated from college to repay 7.26 million won a month to her mother? We need to investigate,” he said. 

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