MoneyLog｜부동산·경제 인사이트

🇰🇷 한국어

1. 지금 왜 난리인가? (이슈 핵심 요약)
2. 장기보유특별공제란 무엇인가
3. 개정안 핵심 변화 2가지 (비주택 + 실거주)
4. 세금 얼마나 늘어나나 (시뮬레이션 분석)
5. 건물주·시장 영향 (매물잠김 가능성)
6. 지금 가능한 대응 전략 (현실적인 선택지)
7. 반드시 확인해야 할 팩트체크
8. 자주 묻는 질문 Q&A

🇺🇸 English

1. Why this issue matters now
2. What is Long-term Holding Deduction
3. Key changes in the bill
4. Tax impact example
5. Market impact analysis
6. Practical strategies
7. Fact check
8. Q&A

Recently, a serious concern has been spreading among building owners in Korea. 

 “Is it true that half of my profit could go to taxes if I sell my property?” 

 This is not just a rumor. 

 A newly proposed tax law amendment suggests that long-term holding tax deductions for non-residential properties such as commercial buildings, land, and small office buildings could be completely removed.

 If this proposal passes as it is, the long-standing principle of “the longer you hold, the less tax you pay” may no longer apply. Instead, property owners could face a situation where a significant portion of their capital gains is taxed.

 For many, this is not just a tax issue— it could fundamentally change their asset strategy. However, it is important to note that this is still a proposed bill and has not been finalized. 

 The details may change during the legislative process.

 So the real question is: “How much more tax will I actually pay if this becomes law?” 

 In this article, we will break down the key changes, real tax impact examples, and practical strategies you should consider right now.

The long-term holding deduction is a tax benefit that reduces capital gains tax for those who hold real estate for a long time. In simple terms, the longer you hold a property, the less tax you pay.

✔ Deduction rates

This deduction has played a critical role in reducing tax burdens for long-term property owners.

The core idea of the proposed amendment is simple: Tax benefits will be reduced for properties that are not used for actual residence.

1) Non-residential property

Commercial buildings, land, and other non-residential assets may no longer be eligible for long-term holding deductions.

2) Primary residence

Tax benefits may increasingly depend on actual residence duration rather than just ownership period.

Let’s look at a simplified example to understand the impact.

• Purchase price: 1 billion KRW
• Selling price: 10 billion KRW
• Capital gain: 9 billion KRW
• Holding period: 20 years

With current rules, tax may be around 2.8 billion KRW. Without deduction, it could rise to around 4.4 billion KRW.

That’s a difference of over 1.6 billion KRW.

If this proposal becomes law, the impact goes beyond taxes. It could affect the entire real estate market.

• Owners may delay selling due to higher taxes
• Property listings may decrease
• Transaction volume may shrink

This could lead to a more rigid and less active market.

The key is preparation before any law is finalized.

• Review your selling timing
• Consider corporate conversion carefully
• Plan inheritance or gifting strategies

Tax planning is not about reaction, but preparation.

무조건 매도할 필요는 없습니다.
다만 세금 구조가 바뀔 가능성을 고려해
매도 시점 전략을 다시 점검하는 것이 중요합니다.

그렇지 않습니다.
법인세, 취득세, 증여세 등 복합적인 요소가 작용하기 때문에
개별 상황에 따라 손해가 될 수도 있습니다.

세금은 준비 기간이 길수록 선택지가 많습니다.
확정 이후에는 대응할 수 있는 방법이 제한될 수 있습니다.

As we’ve discussed today, the potential removal of the long-term holding deduction is not just a simple tax change. It could fundamentally reshape how real estate assets are managed and transferred. While the situation is still uncertain, it also means there is still time to prepare. If you found this article helpful, please consider sharing it with others who may need it. I’ll continue to bring you more practical and timely insights. Stay tuned for the next update.