<Anchor>

Today, on the 15th, as the news of the real estate began, the market is not sinking despite the pouring government measures. So, we analyzed the 30s, the generation who bought the most apartments in Seoul this year. They'll tell you two days from today why they're pouring everything into their apartments, and what's the risk of being in an asset and not risking them.

Let's take a look at the contents prepared by reporter Kwon Young-in, reporter Bae Jeong-hoon, and reporter Son Hyeong-an.

<Reporter Kwon Young-in>

Here is an apartment named Seoul.

There is also an apartment named Nationwide.

From last year to May, we looked at the new owner of this apartment by generation.

Most people in their 40s were in the country, followed by those in their 30s and 50s, but Seoul was different.

Since last year, people in their 30s and 40s have slumped, but this year 30s have surpassed 40s and bought the most apartments in Seoul.

Three out of 10 new owners of Seoul apartments this year are in their 30s.

Gyeonggi-do alone has the largest number of buyers in their 40s, but the 30s are concentrated in a poisonous Seoul apartment.

[Hamseungwoo / 30, Seoul apartment buyers match the Seoul housing prices, regardless of the distance s hardly keep climbed calm, Seoul's because part Ido close to transportation jobs did try to unconditionally nine in Seoul.]

I also 30s many loans .

In the past three years, all mortgage loans were 288 trillion won, while 30s accounted for 103 trillion and 36%.

It was 20% more than the second-largest 40s.

The rate of debt increase is also the fastest, so the amount of mortgages in their 30s is more than doubled at the end of this year, two years ago.

<Reporter Bae Jeong-hoon> In

2020, in his 30s, he entered the real estate market harder than any other generation. I heard their story.

Kim Hye-jung, 38, married two years ago and bought an apartment in Anyang, Gyeonggi-do.

[The loan received about 60% of the house price. Originally, I wanted to go near Seoul because my job was Seoul, but it was too expensive to pay for the house... .]

I live in an old and small apartment that owes nearly 200 million, but I do not regret the price of the apartment.

Oh Hye-rim, 34, bought a newlyweds this year, not only lending but also savings and retirement.

[Oh Hye-rim/Gimpo newlyweds: First, I'm going to pay off all my savings. The loan was 70%, and in my case, even my retirement allowance was

paid off .] But when I think of the debt to pay, it's awful.

[Oh Hye-rim/Gimpo newlyweds: (How did you feel when you borrowed a 30-year loan?) Life-long shackles?] Are

30's really attracting souls and buying real estate?

Compared to 2012, the assets of those in their 30s increased by nearly 60% in seven years.

It is the fastest speed of all ages.


So, where did the 30s get this investment?

In 2012, the debt owed by a householder in his 30s was 40 million won, but more than doubled to 80 million won in 2019.


Mortgage loans increased 2.2 times.

The ratio of debt to assets of households in their 30s was found to be much faster than those in their 40s or 50s over the past 7 years.

On the other hand, during the same period, the annual salary of new employees of large corporations increased only 15%.

It means that the debt burden has increased because the income of people in their 30s has not increased significantly.

[Kim Seong-dal/Director of Gyeongsil Real Estate Construction Reform Headquarters: There are people who are in their 30s who want to make their homes unreasonable because even those who are in their 30s (who can buy a house) are'young chil'. If you take too much debt against your home, it's bad for the country's economy later… .]

<Reporter Son Hyeong-an>

Why did the thirties in their apartments in Seoul?

[People in Seoul in their 30s: If you look around, you have a lot of profits, and you know that Seoul apartment prices are not falling, right? I don't think I'm going to lose anyway anyway.] The

thirties have generally entered the society since 2010.

Since 2010, apartment prices in Seoul have risen upwards without a significant drop.

I haven't seen apartment prices drop significantly or loan interest rates soar, such as the IMF foreign exchange crisis in 1998 or the financial crisis in 2008. It is more bold.

[Shim Kyo-Eun/Professor, Department of Real Estate, Konkuk University: (30s) Almost beyond expert level. For certain areas, it is not a lake and a lake, but a survey of how these loans are done.] It is

also a great learning effect to watch the 40s or 50s who have apartments in Seoul or colleagues who bought the apartment earn money.

[Buyers in Seoul in their 30s: There is a gap of more than 100 million with those who made a decision two or three years earlier than me.]

Here, the recent sharp rise in real estate prices is anxiety that if you don't buy now, you can't buy it forever. I gave it.

[Lee Jae-man/Professor, Department of Real Estate, Sejong University: I think that the experiences that our parents' generations have accumulated through buying such a home are connected to their children and their children... .]

People in their 30s are also called'apartment kids' in earnest.

[Park Won-gap/KB Kookmin Bank Senior Real Estate Commissioner: I grew up in concrete in the city. I (30s) think (apartment) is all about real estate. As a result, apartment phenomena are a little stronger than in the past generation.]

It was a so-called'young chi' investment that 30-year-olds whose life-long job has disappeared and whose job stability is less than the previous generation, want to reduce their anxiety about old age by purchasing safe assets called apartments. There is also an analysis.

(Video coverage: Lee Byung-ju, Video editing: Hwan-hee Hwang, Ji-young Hwang, CG: Jae-young Choi, Ye-jung Lee, VJ: Han-wook Jung, and Young-sam Jeong)