정부의 공공 빌라 임대 프로그램: 부동산 시장에 미치는 영향

빌라 시장이 사기로 인해 무너지면서 정부가 공공 임대용 주택 12만 채를 시세의 90%에 매입하는 개입에 나섰습니다.

### 빌라 및 오피스텔 시장 현황과 정부의 공공임대 계획에 대한 이해
* 🏡  빌라 사기가 사상 최고치를 기록하면서 **빌라 시장이 붕괴**되어 빌라를 임대하거나 매매하기가 어려워지고 있습니다.
* 📉  빌라 임대 사기의 여파로 빌라 건설이 위축되어 **빌라 시장의 공급이 예상보다 많이 감소**했습니다.
* 🏢  세입자들이 빌라에서 작고 저렴한 아파트로 이동하면서 **아파트 임대료가 상승**하고 있습니다.
* 🏠  정부는 내년에 빌라-오피스텔  **12만 호를 매입**해 공공임대주택으로 공급하고, 이 중 **70%를 수도권에 공급**할 계획이라고 밝혔습니다.
* 💰  정부는 공공임대주택을 시세보다  10% 정도 저렴하게 공급할 계획이며, **호당 약 3400만 원의 손실**이 발생할 것으로 예상하고 이를 세수로 충당할 예정이다.
* 개인적으로는 정부가 부동산 시장에 인위적으로 개입하기보다는 **자유 시장 경제에 맡겨 안정적인 부동산 시장이 형성되도록 하는 것**이 바람직하다고 생각합니다.
* 🔒  **보증금 상승을 방지**함으로써 주택 가격 상승과 임대 사기를 직접적으로 예방할 수 있습니다.
* ☕️  시청자들에게 감사의 마음을 전하는 이벤트로 약  100분간 시차 스틱 커피를 **20% 할인된 가격**에 판매합니다.

Many of those living in villas or officetels probably do not know this. Hello, I am a filet pilot reading from home. I often talk to you about apartments, but many have asked if I have good information about villas or officetels. So, today I have prepared some information on that. Today's content is very important. The villa market has become quite strange and overheated, making it essential to utilize the best information available there. Studying today's content together will be helpful for you. Let's study together through the screen. Villa scams are at an all-time high. In the past, villa scams were not as common, but recently, news about villa scams involving hundreds of units has become quite common.

Oh, they're being quite stubborn. Thanks to that, the villa market has completely collapsed. It's just in ruins. That's why it's not easy to rent out villas or even sell them. This market has turned out like this. In fact, villas are a type of residence where a lot of people live, accounting for 51%, and apartments account for 49%. In these apartments, there are detached houses, villas, and also officetels. However, the villas here occupy most of these apartments. So, we can understand how big the villa market is and how many people are living in it. Due to the aftermath of villa rental scams, villa construction has dried up. Currently, villa construction has decreased to about one-tenth compared to the previous year. It's almost at a standstill. Because construction costs have risen a lot these days.

Even if you build an expensive villa, it's difficult to sell, and even trying to recover the funds by turning it into a long-term lease doesn't work well. Not only that, these days, there's a trend like value-up, so tearing down villas and building commercial buildings to sell are quite popular. Thanks to this trend, villas are gradually disappearing. Without even building new ones, existing villas are being demolished. In short, the supply of the villa market is decreasing more than expected. When the supply decreases, prices are supposed to go up, but the reason prices are not rising is because of the deep-rooted issues in the villa market. If you enter a villa and end up being scammed into a long-term lease, or even if you rent monthly and cannot get your deposit back, what will you do? What if the landlord runs away? These concerns are leading tenants to flock to apartments.

It's a trend to take them now. However, it doesn't mean that tenants who used to live in villas are moving to luxury or large apartments. Mostly, they are moving to small and affordable apartments. Consequently, the lease prices of apartments are rising first due to high demand. Some people are buying instead of renting, so the prices of small and affordable apartments are gradually increasing. In short, it wouldn't be an exaggeration to say that the trend of moving from villas is influencing the current rebound in housing prices. Of course, the impact of the new government's low-interest loans is also significant, along with the trend of moving from villas. The current rebound is not solely due to one factor but rather a combination of various factors.

Apartments are showing a slight rebound. If you look at it that way, it's good. It's not good for everything to be biased in one direction. So, the government has come up with measures. What kind of measures are they? Well, they say they will do villa business. It's just a joke. What this means is that the government will purchase 120,000 villas publicly and then provide them for public rent. They will purchase 20,000 existing units and 100,000 newly built units. However, this includes not only villas but also officetels. So, we can understand that the government will purchase villas and officetels to provide for rent. This will be done by next year, 120,000 units. Since it's by next year, a considerable number of public supplies will be available. Among these supplies, 70% will be allocated to the Seoul metropolitan area.

30% of the allocation is designated for non-capital regions, so roughly 70% of the capital region, about 84,000 households, will be leaving the capital region. It's a larger number than expected. 84,500 is a larger number than expected. But since the government is involved now, they can't offer it at a high price. They have to offer it at a lower price. According to the latest information, the deposit will be set at around 90% of the market price. So, they are saying they will offer it about 10% cheaper than the surrounding market prices. For example, if the market price for a lease is 50 million won, they will offer it at 10% cheaper, at 45 million won. If they buy at a lower price than the market value and sell at a lower price than the market value, what will happen? Losses will occur. They expect a loss of about 34 million won per unit. So, how will this be covered? It will be covered with taxes. It will be covered with tax revenue, the taxes you pay when you receive your salary.

When you buy a car, the taxes you pay, when you buy a house, these are the things that are used here. So, in the beginning, I made a bit of a joke like, Oh, the government is going to do real estate business. That's why I did that. So, it's good to use taxes for something, but it's even better to create conditions for the real estate market to function well than just using taxes. So, what's a bit regrettable is that there are no real estate experts, and policies that don't understand the core at all, whether they are good or bad. When we keep doing things with taxes like this, it's like eating into ourselves. Ultimately, if there is a lack of taxes, they will take more from us, and then unfold such policies again if there is a shortage.

I end up collecting more taxes, and personally, rather than that, I think that if we just stop excessive mortgage loans, a healthy jeonse (Korean housing rental system) market would be formed. Here, when we talk about jeonse loans, we are giving up to 80% jeonse loans, which I think is a bit excessive. Even if you have almost no money, you can get a jeonse loan and move in. So, even if the landlord calls for a high jeonse deposit, you can just get a jeonse loan and pay. This has created a problem. If we don't give out many jeonse loans, apply DSR (Debt Service Ratio), or limit it, then people won't be able to get many jeonse loans. If people can't get many jeonse loans, then landlords can't ask for high jeonse deposits. Naturally, if tenants can't be found, landlords have no choice but to lower the jeonse deposit. Most landlords who rent out jeonse like that have some financial flexibility.

It's not a lot, but people want to get as much security deposit as possible. That's inevitable in terms of human psychology. If we just restrict the security deposit loans like this, unreasonable security deposits will decrease a bit, and a healthier rental market can be formed. So, even just by preventing the rise in security deposits, we can prevent the rise in housing prices. Also, by preventing the rise in security deposits, we can prevent rental fraud directly. For example, if the price of a villa is 300 million won, now you can enter by paying 270 million or 280 million won with a security deposit loan. Then, even if the price of the villa drops by 10%, this becomes a risky security deposit. But security deposit loans are hardly available. Then ordinary people may have an extra 100 million or 200 million won. So, security deposits are formed around 150 million won. If that happens, a 300 million won villa won't suddenly go crazy.

A safe rental market is being formed, and this applies equally to apartments. So now it's a bit better to leave real estate to fate. And once you have to go through this pain, you have to go through this pain and then it becomes normal. So, personally, I hope the government will take a look at the lease loans once. But not everything the government does is like that. Since the days of Minister Kim Hyun-mi, whether it's the left or right government, from what I've seen, there is not a government that does things right. I don't know much about other things related to real estate because I'm not interested. But in terms of real estate, whether intentionally or because there really are no experts, it's a bit disappointing. Anyway, we need to take advantage of this opportunity well. We need to navigate through various policies and confusing policies.

By utilizing profitable opportunities well, you can enrich your mind. For example, if you are a tenant planning to rent a villa or an officetel, by entering a place where the government purchases and offers 90% cheaper lease, you can benefit from lower prices and, most importantly, avoid getting caught up in lease scams. You won't need to worry about complicated matters like how much loan the landlord has, whether it's safe, or the current market price. By utilizing public rental and such lease options facilitated by the government, it may be helpful for you. However, personally, rather than the government artificially intervening like that, it would be best to leave it to the free market economy to establish a stable real estate market. So, that's it for today's broadcast. Thank you for always watching my show diligently.

I feel grateful, and as soon as the video is uploaded, I still want to express my gratitude to those who took the time to watch my video. I will surprise you with a time difference stick coffee discount event. I am currently selling time difference stick coffee, which is really a best-selling product thanks to all of you. Still, now I want to give you some benefits, so I will open the time difference stick coffee to you at a 20% discounted price for about 100 minutes. I will fix the link in the comments, so if you click on that link, you can purchase it at a 20% discounted price. I can't do this too much because it will be a big loss for me, so I will do it for about 100 minutes. So, when the 100 minutes are up, it will end, and the price will return to normal.

Oh, please consider this. Nowadays, the price of coffee is quite expensive, right? It's much cheaper to use instant coffee sticks, which cost only 200 won per stick. So, I think it would be nice to enjoy a delicious coffee more affordably with that. Then, I hope you all have a happy day today. Thank you sincerely for always being with us. See you next time.

(속보) 尹정부 빌라 대책나왔다. 전국 12만 호 사들인다.

경제적 자유를 얻고 싶다면 구독하세요!

재테크읽어주는 파일럿

빌라 사기가 증가하면서 빌라 시장이 붕괴되고 빌라를 임대하거나 매매하기가 어려워지고 있습니다.

빌라 건설은 비용 상승과 빌라를 허물고 상업용 건물을 짓는 추세로 인해 약 90% 감소했습니다.

불안정한 빌라 시장에서 세입자들이 사기를 당하거나 보증금을 잃을 것을 우려하여 시장 공급이 줄어들면서 아파트로의 전환이 이루어지고 있습니다.

빌라 이전이 주택 가격에 미치는 영향

세입자들이 빌라에서 저렴한 소형 아파트로 이동하면서 높은 수요로 인해 임대료가 상승하고 있습니다.

정부는 빌라 및 오피스텔 12만 채를 매입해 공공임대주택으로 공급할 계획이며, 시세보다 저렴한 가격에 공급하는 데 초점을 맞춰 공공주택 공급을 크게 늘릴 것으로 예상됩니다.

공공주택의 저가 매각으로 인한 예상되는 세수 손실은 세수로 충당할 계획입니다.

세금 및 대출 정책이 한국 부동산 시장에 미치는 영향

세금 정책과 과도한 주택담보대출이 국내 부동산 시장에 부정적인 영향을 미치며 주택 가격 급등으로 이어지고 있습니다.

전세대출의 높은 이용률은 주택 보증금을 상승시켜 세입자의 재정적 부담을 가중시키고 있습니다.

보증금 대출을 제한하면 주택 가격을 안정시키고 임대 사기를 방지하는 데 도움이 될 수 있습니다.

안정적인 임대 시장 형성 정부 개입과 수익성 있는 기회

연사는 부동산에 대한 정부의 처사에 실망감을 표하며 더 나은 임대 규정을 희망합니다.

이들은 사기나 복잡한 부동산 문제를 피하기 위해 정부 보조금을 받는 임대 옵션을 활용할 것을 제안합니다.

그러나 궁극적으로는 자유 시장이 안정적인 부동산 환경을 구축할 수 있도록 해야 한다고 믿습니다.

화자는 시청자들에게 감사의 마음을 전하며 100분 동안 시차 스틱 커피를 20% 할인된 가격에 판매한다고 발표합니다.

할인된 가격은 댓글에 제공된 링크를 통해 구매할 수 있습니다.

화자는 인스턴트 스틱 커피의 장점을 강조하면서 제품의 경제성과 대중성을 강조합니다.