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๋ผ๋ฒจ์ด ๊ฐญํˆฌ์ž์ธ ๊ฒŒ์‹œ๋ฌผ ํ‘œ์‹œ

2025์‹ ์ƒ์•„ ํŠน๋ก€ ๋””๋”ค๋Œ๋Œ€์ถœ, ๋†“์น˜๋ฉด ํ›„ํšŒํ•ฉ๋‹ˆ๋‹ค! ์กฐ๊ฑด·์šฐ๋Œ€๊ธˆ๋ฆฌ ์™„๋ฒฝ ์ •๋ฆฌ

| ์‹ ์ƒ์•„ ํŠน๋ก€ ๋””๋”ค๋Œ๋Œ€์ถœ, ์ง€๊ธˆ ์™œ ๋‹ค์‹œ ์ฃผ๋ชฉ๋ฐ›์„๊นŒ? ์š”์ฆ˜ ๋ถ€๋™์‚ฐ ์‹œ์žฅ์ด ๋‹ค์‹œ ์ถœ๋ ์ด๊ณ  ์žˆ์–ด์š”. ์ฃผํƒ๋‹ด๋ณด๋Œ€์ถœ ๊ธˆ๋ฆฌ๋Š” ์™„๋งŒํ•˜๊ฒŒ ๋‚ด๋ ค๊ฐ€๋Š” ๋“ฏํ•˜์ง€๋งŒ, ์‹ค์ˆ˜์š”์ž ์ž…์žฅ์—์„œ๋Š” ์—ฌ์ „ํžˆ ๋ถ€๋‹ด์Šค๋Ÿฝ์ฃ . ์ด๋Ÿฐ ์ƒํ™ฉ์—์„œ ์ •๋ถ€๊ฐ€ ์‹ ์ƒ์•„ ์ถœ์‚ฐ ๊ฐ€๊ตฌ ๋ฅผ ์œ„ํ•ด ๋งˆ๋ จํ•œ ํŠน๋ก€์ƒํ’ˆ์ด ๋‹ค์‹œ ์ฃผ๋ชฉ๋ฐ›๊ณ  ์žˆ์Šต๋‹ˆ๋‹ค. 2023๋…„ ์ดํ›„ ์ถœ์‚ฐํ•œ ๊ฐ€๊ตฌ๋ผ๋ฉด ๋ˆ„๊ตฌ๋‚˜ ํ•œ ๋ฒˆ์ฏค ๋“ค์–ด๋ดค์„ ‘์‹ ์ƒ์•„ ํŠน๋ก€ ๋””๋”ค๋Œ๋Œ€์ถœ’ , ๊ทธ ์กฐ๊ฑด๊ณผ ์šฐ๋Œ€๊ธˆ๋ฆฌ, ๊ทธ๋ฆฌ๊ณ  ์‹ค์ˆ˜ํ•˜๊ธฐ ์‰ฌ์šด ํฌ์ธํŠธ๊นŒ์ง€ ์˜ค๋Š˜ ํ•œ๋ˆˆ์— ์ •๋ฆฌํ•ด๋“œ๋ฆด๊ฒŒ์š”. ํŠนํžˆ, 1์ฃผํƒ์ž์˜ ๋Œ€ํ™˜๋„ ๊ฐ€๋Šฅ ํ•˜๊ณ , ์ถ”๊ฐ€ ์ถœ์‚ฐ ์‹œ ๊ธˆ๋ฆฌ ํ˜œํƒ์ด ์ตœ๋Œ€ 15๋…„ ๊นŒ์ง€ ์ด์–ด์งˆ ์ˆ˜ ์žˆ๋Š” ์ ์€ ์ž๋…€ ๊ณ„ํš์ด ์žˆ๋Š” ๊ฐ€๊ตฌ์—๊ฒ ๋”ํ•  ๋‚˜์œ„ ์—†๋Š” ๊ธฐํšŒ๊ฐ€ ๋  ์ˆ˜ ์žˆ์–ด์š”. ์ง€๊ธˆ ์‹ ์ฒญ ๊ฐ€๋Šฅํ•œ์ง€, ์–ด๋–ค ๊ธฐ์ค€์„ ์ถฉ์กฑํ•ด์•ผ ํ•˜๋Š”์ง€ ๊ถ๊ธˆํ•˜์‹œ๋‹ค๋ฉด ์˜ค๋Š˜ ๊ธ€ ๋๊นŒ์ง€ ์ฝ์–ด๋ณด์‹œ๋ฉด ๋ถ„๋ช… ๋„์›€์ด ๋˜์‹ค ๊ฑฐ์˜ˆ์š”. ๐Ÿ“Œ ๋ชฉ์ฐจ ๋ณด๊ธฐ (ํด๋ฆญํ•˜์—ฌ ํŽผ์น˜๊ธฐ) | ์‹ ์ƒ์•„ ํŠน๋ก€ ๋””๋”ค๋Œ๋Œ€์ถœ, ์ง€๊ธˆ ์™œ ๋‹ค์‹œ ์ฃผ๋ชฉ๋ฐ›์„๊นŒ? | ๋Œ€์ถœ ์ž๊ฒฉ์š”๊ฑด ์ด์ •๋ฆฌ (2025๋…„ ๊ธฐ์ค€) | ๋Œ€์ถœ์กฐ๊ฑด – ํ•œ๋„, ๊ธˆ๋ฆฌ, ๊ธฐ๊ฐ„ | ์šฐ๋Œ€๊ธˆ๋ฆฌ ์ ์šฉ ์š”๊ฑด 7๊ฐ€์ง€ | ์‹ค์ˆ˜ํ•˜๊ธฐ ์‰ฌ์šด ์ฃผ์š” ํฌ์ธํŠธ | ์ž์ฃผ ๋ฌป๋Š” ์งˆ๋ฌธ ์ •๋ฆฌ (Q&A) | ์‹ ์ƒ์•„ ๋””๋”ค๋Œ๋Œ€์ถœ ์ฒดํฌ๋ฆฌ์ŠคํŠธ | ๋งˆ๋ฌด๋ฆฌ ์š”์•ฝ ๋ฐ ์‹ ์ฒญ ํŒ | Why the “Newborn Special Didimdol Loan” is getting attention again The housing market has been fluctuating again recently. While mortgage interest rates seem to be slightly declining, they remain a heavy burden for actual homebuyers. That’s why the government’s special mortgage program for families with newborns — t...

๊ธฐํšŒ์ธ๊ฐ€, ๋ฆฌ์Šคํฌ์ธ๊ฐ€? ๊ฐญํˆฌ์ž ์ œ๋Œ€๋กœ ์ดํ•ดํ•˜๊ธฐ(2)

์ด๋ฏธ์ง€
๋งค๋งค๊ฐ€ 5์–ต, ์ „์„ธ๊ฐ€ 4.5์–ต. “5์ฒœ๋งŒ ์›์ด๋ฉด ์ง‘ ํ•œ ์ฑ„?” ์ด๋Ÿฐ ๋ง, ํ•œ ๋ฒˆ์ฏค ๋“ค์–ด๋ณด์…จ์ฃ ? A home worth 500 million with a Jeonse deposit of 450 million? “Own a house for just 50 million?” Sounds familiar? ๊ฐญํˆฌ์ž ๋Š” ์ ์€ ์ž๋ณธ์œผ๋กœ ๋ถ€๋™์‚ฐ์„ ๋งค์ž…ํ•˜๋Š” ๋ฐฉ์‹ ์ด์ง€๋งŒ, ์ž˜๋ชปํ•˜๋ฉด ์„ธ์ž…์ž ๋ณด์ฆ๊ธˆ์กฐ์ฐจ ๋Œ๋ ค์ฃผ์ง€ ๋ชปํ•˜๋Š” ์œ„ํ—˜ํ•œ ์ƒํ™ฉ์„ ๋งŒ๋“ค ์ˆ˜ ์žˆ์–ด์š”. Gap investment lets you buy property with minimal cash up front— but it can also backfire, especially when the market turns. ์˜ค๋Š˜์€ ๊ฐญํˆฌ์ž์˜ ๊ธฐ๋ณธ ๊ตฌ์กฐ์™€ ์ž‘๋™ ์›๋ฆฌ, ๊ทธ๋ฆฌ๊ณ  ๋ฐ˜๋“œ์‹œ ์•Œ์•„์•ผ ํ•  ๋ฆฌ์Šคํฌ ๊นŒ์ง€ ์•Œ๊ธฐ ์‰ฝ๊ฒŒ ์ •๋ฆฌํ•ด๋“œ๋ฆด๊ฒŒ์š”. Let's break down what gap investment really is, how it works, and what risks you absolutely need to watch for. ๊ฐญํˆฌ์ž๋ž€? / What is Gap Investment? ๊ฐญํˆฌ์ž๋Š” ์„ธ์ž…์ž์˜ ์ „์„ธ๊ธˆ์„ ํ™œ์šฉํ•ด ์ ์€ ๋ˆ์œผ๋กœ ์ง‘์„ ๋งค์ˆ˜ํ•˜๋Š” ํˆฌ์ž ๋ฐฉ์‹์ด์—์š”. Gap Investment is when an investor uses the tenant’s Jeonse deposit to buy a house with minimal upfront capital. ์˜ˆ๋ฅผ ๋“ค์–ด ๋งค๋งค๊ฐ€ 5์–ต, ์ „์„ธ๊ฐ€ 4.5์–ต์ด๋ผ๋ฉด? For example, if a home costs 500 million won and the Jeonse is 450 million— ๋‚ด ์ž๊ธˆ 5์ฒœ๋งŒ ์›์ด๋ฉด ์ง‘์„ ์‚ด ์ˆ˜ ์žˆ๋Š” ๊ธฐํšŒ๋ฅผ ์žก๋Š”๊ฑฐ์ฃ . You only ne...