<Anchor> The



real estate market froze this year amid rising interest rates and transaction cliffs.

In order to recover this, the government is loosening regulations on a large scale.



Reporter Nam Jung-min organized what systems will change in the new year.



<Reporter>



There are noticeable changes in the real estate market, such as taxes, subscriptions, and reconstruction.



First of all, the basic deduction for comprehensive real estate tax will rise from 600 million won to 900 million won.



1 household, 1 house is up to 1.2 billion won.



Even if you have two houses, it means that you do not have to pay comprehensive real estate tax if the combined official price does not exceed 900 million won.



The heavy tax on second-home owners in the area subject to adjustment has also been eliminated, so instead of the heavy tax rate of up to 6%, the general tax rate is applied.



Loans are now possible for multi-homed people in regulated areas, and the ban on mortgage loans is lifted during the first quarter, so you can borrow up to 30% of the house price.



Subscription requirements are also relaxed.



First of all, if you are homeless, you can apply for non-priority regardless of region.



Small and medium-sized areas in overheated speculation districts with a dedicated area of ​​85㎡ or less have a new “lottery system”, increasing opportunities for young people with low points to own a home.



In the case of reconstruction, the safety diagnosis threshold, which is the first step, is lowered.



Instead of lowering the weight of 'structural safety', the weighting of 'living environment' and 'deterioration of equipment' increases.



[Yang Hae-geun/Samsung Securities Real Estate Expert: If you feel uncomfortable with parking, inter-floor noise, heating, drainage, water supply, etc., reconstruction is now possible.

It is expected that reconstruction complexes such as Mok-dong, Sanggye-dong, and Gangnam will not benefit.]



From next year, if you have duplicated insurance as an individual or a group, you will be able to cancel one of the two and get your insurance premium refunded.



When a multi-child household raising three or more children buys a car, it can be exempted from individual consumption tax up to KRW 3 million.



In the case of gasoline, a price increase of nearly 100 won per liter was predicted as the extent of the oil tax cut was reduced from 37% to 25%.



(Video editing: Kim Ho-jin, CG: Seo Dong-min)