Impact of Interest Rate Cuts on Housing Prices

The government will likely restrict loan availability despite potential interest rate cuts, impacting housing prices.

### Impact of Interest Rate Cuts on Housing Prices
The Bank of Korea is expected to lower interest rates, but the government is likely to **resist a significant drop in loan rates**. The market anticipates **more loans available by January**, but the government may implement **stress tests to make loan acquisition difficult**. This intervention is expected to occur **earlier than July next year**, aiming to **prevent a favorable environment for rising housing prices**.

### Impact of Potential Interest Rate Cuts on Housing Prices in Korea
* 🏦 Recent discussions about a potential interest rate cut by the Bank of Korea follow a **significant reduction** in the United States, raising questions about **housing prices in Korea**.
* 📉 The market currently anticipates that any effects will be **temporary**, with expectations of **increased loan availability** by January next year.
* 💰 However, there is skepticism regarding the **willingness of banks to lower loan interest rates**, which could hinder the **anticipated liquidity boost**.
* 🚫 The ideal scenario of **decreased base rates leading to lower loan rates** and subsequently **rising housing prices** is something the government aims to avoid.
* 🛡 To counteract this, the government is likely to implement **stringent measures**, including stress tests like the **Debt Service Ratio (DSR)**, to **limit loan accessibility** even if interest rates fall.
* ⏳ It is expected that these measures will be enacted **sooner rather than later**, likely **before July next year**, to maintain control over the housing market.

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