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It was found that the number of people who signed up for a housing pension last year was the highest ever.

The housing pension is a method of receiving a certain amount every month after entrusting the house you live in as collateral, and it is analyzed that there were many people who signed up in a hurry before the house price fell further.



Reporter Nam Jung-min will tell you about this.



[ Reporter



] 71-year-old Kim Byeong-bok, who lives in Siheung, Gyeonggi-do, signed up for a housing pension last November.



The apartment I bought for 250 million won in 2005 has been evaluated at 510 million won, and I am receiving 1.26 million won a month.



[Kim Byeong-bok/Residence Pension Subscriber: For a while, there was also anxiety about going down because the price was close to soaring (rising).

So hurry up, and when you meet the qualifications, as soon as possible...

.]



The number of new subscribers to housing pension was relatively constant at around 10,000 each year, but last year it jumped to 14,580.



It increased by 34.9% in one year, the highest ever.



It is completely different from the previous year, when the number of cancellations was the highest due to soaring housing prices.



A mortgage is a product that allows you to receive a fixed amount every month for the rest of your life by collateralizing the house you live in.



The monthly payment is determined by the rate of increase in house prices, trends in interest rates, and life expectancy.



Since the monthly payment calculated at the time of subscription is received for life, it seems that the demand for subscribing when the house price is lowered even a little.



[Kim Eun-jae/Korea Housing Finance Corporation Housing Pension Department Team Leader: Local areas are still about 2 weeks.

I think you will have to wait for about a month to receive consultation in Seoul and the metropolitan area.]



Following the prospect of rising interest rates and falling house prices, starting with new subscribers in March, monthly payments will be lowered by an average of 1.8%.



As the demand for housing annuity increases, the government is promoting a plan to increase the housing price that can be subscribed to from less than 900 million won to less than 1.2 billion won.



(Video coverage: Kim Gyun-jong, video editing: Kim Jong-mi)