In the United States, there was a big cut, and there are talks that the Bank of Korea might soon lower interest rates as well. What impact would this have on housing prices in our country? Currently, the market seems to think that this will just blow over and that in January next year, there will be more loans available. However, it is highly likely that they will be very reluctant to lower loan interest rates. The sweet scenario we envision, where the base rate drops, loan rates decrease, and liquidity increases, creating a favorable environment for rising housing prices, is something the government does not want. Therefore, the government will likely try to prevent that from happening. From the government's perspective, the maximum measures to prevent this, even if interest rates drop, would be to make it difficult to obtain loans through stress tests like the DSR (Debt Service Ratio) in three stages. I believe this will not extend until July next year; rather, it seems they will implement it early.

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