The Jeonse price surpassed the sales price... The situation in the metropolitan area of ​​'can charter'

<Anchor> This

is a friendly economic time.

Reporter Han Ji-yeon is also here today (the 11th).

I heard that, on average, in real estate transactions in the first half of this year, the figure was confirmed how much Jeonse was more expensive than the sale price?

<Reporter>

Yes, all of this is due to the recent drop in house prices.

In the first half of this year, it was found that the average Jeonse price exceeded the average sales price by 7.7%. increases in %.

By amount, low-priced apartments with less than 100 million won accounted for 36%, because the lower the price, the less the difference from the Jeonse price, and the two amounts are easily reversed.

By region, Jeonbuk was the most dangerous region, and one or more of the five houses that were sold or leased had a higher jeonse price than the sale price.

North Gyeongsang Province, North Chungcheong Province, and South Jeolla Province followed with a percentage between 15 and 20 percent.

<Anchor>

Judging from what you just said, most of the areas where the sale price is higher than the jeonse are outside of Seoul and the metropolitan area.

Then what about Seoul and the metropolitan area?

<Reporter>

Yes, after the presidential election, house prices on the outskirts of the metropolitan area fell a lot.

It has been found that about one in four houses is in the metropolitan area, where tin cans have already been rented out or there is a risk of such.

In Seoul, the average jeonse price was 4.5% higher than the sale price, mainly for small officetels or villas.

In the past two years, there have been a lot of investments in villa gaps with a sale price of 300 million won or less in various parts of Seoul.

It became popular because it was possible to make a small investment with less than 50 million won of one's own money by putting in 245 thousand or so jeonse.

So far, the decline in house prices, which has risen in the past two years, is insignificant, so the phenomenon of jeonse in cans is not common, but concerns are growing about reverse taxation mainly in places where there were many such gap investments.

<Anchor>

Did you say that the failure to get the deposit back on time was the highest ever in the first half of this year?

<Reporter>

Yes, if there is a reverse tax, where the deposit of the new tenant becomes lower, there may be a situation where the deposit of the previous tenant cannot be returned.

The amount of deposits that were not returned to tenants on time by June this year exceeded 340 billion won, a record high.

Compared to the first half of last year, it increased by nearly 36%.

This is close to 60% of the accident amount last year, which was the highest annual record.

Only the amount of accidents received by Hug, the Housing and Urban Guarantee Corporation, is this amount.

If HF, the Korea Housing Finance Corporation, and SGI Seoul Guarantee, a private institution, are included, the amount of the accident is expected to increase.

If you are worried about the deposit being taken off, you can purchase the Jeonse Deposit Insurance offered by the three institutions mentioned above.

The deposit limit of Hugna HF is 700 million won in the metropolitan area, and 500 million won or less in others.

SGI has no limits in apartments.

In addition, you can sign up for Hug and HF before half of the lease period and for SGI within 5 or 10 months.

<Anchor>

If the deposit for Jeonse is not returned, or if the Jeonse price is higher than the sale price as explained above, these are all phenomena that occur as house prices tend to fall a lot in the future.

Did you say this analysis came out?

<Reporter>

Yes, this is the data from the Korea Institute of Land, Infrastructure and Transport that analyzed the relationship between interest rates and house prices. When interest rates are lowered, they are immediately reflected in house prices, but when interest rates rise, they affect house prices with a certain time lag.

I analyzed that it takes at least one year to one year and three months for house prices to fall after interest rates rise.

It means that it will fall into the sphere of influence from the next month, a year later, and it means that even now, the house price bubble will go down further in the future.

Here, interest rates are expected to rise further in the future.

According to this analysis, house prices will continue to fall.

However, it was analyzed that as long as interest rates go down, house prices are highly likely to rise immediately, and the effect lasts for 15 to 18 months.