Housing Investment Choices: Seoul vs. Busan Dilemma

The couple must decide between investing in Seoul's rising market or securing a home in Busan amidst ongoing regional decline.

### Navigating Housing Choices: Seoul vs. Busan for Future Investment
* 🏠 The ongoing population decline and polarization in South Korea are leading to a **widening gap in housing opportunities** between Seoul and Busan, prompting many, including myself, to consider **investment options**.
* 💔 As a newlywed in my mid-30s, I initially aimed to buy a home in Busan but have been increasingly swayed by the **job demand and rising housing prices in Seoul**.
* 💰 With a savings rate of about **80% of my income**, I have approximately **360 million won in assets**, which gives me the flexibility to explore housing options in both cities.
* 🤔 My wife and I are debating whether to invest in an older apartment in Seoul or buy a property in Busan, especially considering the **potential for future growth** in the metropolitan area.
* 📈 Despite the allure of Seoul, I recognize that certain properties in Busan, like the **Olympic Town**, have shown **significant appreciation**, indicating that not all provincial real estate is **undervalued**.
* 🔍 It's essential to evaluate individual properties rather than generalize, as some regions in Busan may offer **better investment opportunities** than specific areas in Seoul.
* 🤝 Ultimately, the decision hinges on our **long-term goals** and whether we prioritize **stability in Busan** or **potential asset growth in Seoul**, making it crucial for us to **discuss and weigh our options carefully**.
* 💬 With a focus on financial security for my family, I hope that this journey will lead to a **pivotal moment in our lives**, allowing us to make **informed choices about our future home**.

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월급쟁이부자들TV

The speaker is a newlywed in Busan, feeling confused about whether to invest in a home in Seoul or Busan due to the population decline and job demand in Seoul.

They are saving 80% of their income and have 360 million won in available assets, considering their options for homeownership.

The speaker's wife believes in investing in Seoul while renting in Busan, leading to a dilemma about the best choice for their future.

The speaker is considering investing in an apartment in Seoul with a capital of 300 million won, while also highlighting the potential for growth in Busan's real estate, particularly in Haeundae.

They emphasize the importance of assessing individual property values rather than generalizing between Seoul and the provinces.

The speaker suggests that with a loan, it's possible to purchase the best property in Busan, while also noting the challenges of finding livable complexes in the provinces.

The long-term asset value of real estate in the metropolitan area is significant, but it comes with the challenge of moving every two years.

The speaker has studied real estate through monthly lectures and a book, focusing on home ownership.

There are concerns about the decreasing population and job opportunities in Busan, but the presence of wealthy business owners may contribute to the demand for new, good-quality housing.

With 350 million won, investing in the metropolitan area and renting in the provinces is a viable option.

The disappointing housing market in Seoul with 300 million won contrasts with the availability of top-tier apartments in Busan.

Busan's unique demographic, with wealthy residents and a mix of older buildings and new complexes, offers promising investment opportunities in major regional city apartments.

With 350 million won and a 400 million won loan, you can buy a 75 million won apartment.

Saving 600,000 won a month, you could pay off the loan in six years, then consider investing in real estate or stocks in your early to mid-40s.

The current market trend shows rising prices in Seoul and falling prices in the provinces, making it important to focus on immediate actions rather than predicting the future.

The speaker shares their perspective on loans, encouraging a balanced view and not to be overly fearful of them.

They offer personal experiences and support, emphasizing the importance of earning and saving wisely.

The speaker expresses gratitude and a desire to connect with the listener, encouraging mutual support and appreciation for each other.