As the system changes in a hectic manner, it adds to the confusion for those who receive the sale and prepare for the balance. First of all, I think I'll be very worried. #DSR regulation may reduce the balance loan ratio. There must have been a similar problem when selecting overheated speculation zones in areas subject to adjustment.
If the balance of new apartments is raised, it may cause chaos in places with large numbers of new apartments.
Regulations on the Balance Loan of the Right to Occupancy of a New Apartment
- We do not regulate 폰테크 intermediate payment loans.
"Intermediate Plating Loans Exclude DSR Regulations."
The government has decided to expand the total debt repayment ratio (DSR), which has been applied to each financial company since July, to next week and introduce it in July 2023. Regulations on non-residential mortgage loans, such as land, officetels, and shopping malls;
- In the case of purchasing the right to sell or those who move in,
The policy is not to regulate DSR for intermediate payment loans. I shouldn't do this. I don't know if you're buying the right to buy it. And when the people who are on sale inevitably sell it, the people who buy it are likely to be regulated.
DSR regulations disrupt apartment occupancy? "No problem with my outstanding balance."
Regulations on the transition based on the announcement date of occupants during the December 16 measures…Authorities "Preparing guidelines as usual" (Seoul = Yonhap News) reporter Kim Nam-kwon = "The regulation of 40% of individual debt repayment ratio (DSR) will be applied to apartments that were previously sold and are about to be loaned out.
It is difficult to impose regulations on workplaces where tenants have already been recruited.
Existing policies also show a low probability of regulation in the balance, but those who buy after resale or registration may be able to regulate.
It's complicated to sell from transfer tax to other things. There are so many regulations and it's complicated, so I think we need to look at this. We'll also have to see if it's applicable to your length of residence.Anyway, it's intertwined in many ways.
- Possibility of transaction at the move-in branch
If this happens, it will be difficult for existing buyers to sell it as an inevitable problem. Of course, there won't be a buying force. That's true in the flow.
But I also don't expect that the government and the ruling party are setting new standards for homeless and mistaken people. Of course, it may not be possible to have a high premium compared to the sale price.
By the way, multi-homeowners have already faltered and tied up a lot.
We believe that DSR regulation has no choice but to affect the market as a whole.
It remains to be seen whether it will come as a contraction of new apartments and the revitalization of apartments with less than 600 million won or the whole will shrink.