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๋ผ๋ฒจ์ด capital-gains-tax์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...

๋‹ค์ฃผํƒ์ž ์–‘๋„์„ธ ๋น„๊ณผ์„ธ, ์ž„๋Œ€์ฃผํƒ ๋“ฑ๋ก์œผ๋กœ ๊ฐ€๋Šฅํ•œ๊ฐ€์š”? (2025 ์‹ค์ „ ๊ฐ€์ด๋“œ)

์ด๋ฏธ์ง€
๋‹ค์ฃผํƒ์ž๋ผ๋Š” ์ด์œ ๋งŒ์œผ๋กœ ์–‘๋„์†Œ๋“์„ธ ํญํƒ„์„ ๋งž๊ฒŒ ๋ ๊นŒ๋ด ๊ฑฑ์ •๋˜์…จ๋‚˜์š”? ์กฐ์ •๋Œ€์ƒ์ง€์—ญ์— ์žˆ๋Š” ์ง‘์„ ํŒ”๋ ค๋Š”๋ฐ, ์„ธ๊ธˆ ๋•Œ๋ฌธ์— ์„ ๋œป ๋งค๋„ํ•˜์ง€ ๋ชปํ•˜๊ณ  ๊ณ„์‹œ์ง„ ์•Š์œผ์‹ ๊ฐ€์š”? 2024๋…„ ๊ฐœ์ •๋œ ‘๋ฏผ๊ฐ„์ž„๋Œ€์ฃผํƒ์— ๊ด€ํ•œ ํŠน๋ณ„๋ฒ•’ ๋•๋ถ„์—, ์ผ์ • ์š”๊ฑด๋งŒ ๊ฐ–์ถ”๋ฉด ๋‹ค์ฃผํƒ์ž๋„ '1์„ธ๋Œ€1์ฃผํƒ ๋น„๊ณผ์„ธ' ํ˜œํƒ์„ ๋ฐ›์„ ์ˆ˜ ์žˆ๋Š” ๊ธธ ์ด ์—ด๋ ธ์Šต๋‹ˆ๋‹ค. ํŠนํžˆ, ์žฅ๊ธฐ์ž„๋Œ€์ฃผํƒ ๋“ฑ๋ก ๋˜๋Š” ๋‹จ๊ธฐ์ž„๋Œ€์ฃผํƒ ๋“ฑ๋ก ์„ ํ†ตํ•ด ๊ฑฐ์ฃผ์ฃผํƒ ๋น„๊ณผ์„ธ ๋ฅผ ์ ์šฉ๋ฐ›์„ ์ˆ˜ ์žˆ๋Š” ์‹ค๋ฌด์ ์ธ ๋ฐฉ๋ฒ•์ด ๋งˆ๋ จ๋˜์—ˆ์ฃ . ์˜ค๋Š˜ ๊ธ€์—์„œ๋Š” ๋‹ค์ฃผํƒ์ž๊ฐ€ ์ž„๋Œ€์ฃผํƒ ๋“ฑ๋ก์„ ํ†ตํ•ด ์–‘๋„์„ธ๋ฅผ ๋น„๊ณผ์„ธ๋กœ ์ ˆ์„ธํ•  ์ˆ˜ ์žˆ๋Š” ๋ฒ•์  ์กฐ๊ฑด๊ณผ ์‹ค๋ฌด ์ ˆ์ฐจ ๋ฅผ ์ฐจ๊ทผ์ฐจ๊ทผ ์•Œ๋ ค๋“œ๋ฆด๊ฒŒ์š”. ๋ณต์žกํ•œ ์กฐ์ •๋Œ€์ƒ์ง€์—ญ ์š”๊ฑด๋ถ€ํ„ฐ, ์ธ์ƒ๋ฅ  ์ œํ•œ, ๋ ŒํŠธํ™ˆ ์‹ ๊ณ  ํŒ๊นŒ์ง€ ๊ผญ ์•Œ๊ณ  ๊ณ„์…”์•ผ ํ•ฉ๋‹ˆ๋‹ค. | ๋ชฉ์ฐจ ์ „์ฒด ๋ชฉ์ฐจ ํŽผ์น˜๊ธฐ/์ ‘๊ธฐ 1. ๊ฑฐ์ฃผ์ฃผํƒ ๋น„๊ณผ์„ธ ๊ธฐ๋ณธ ์š”๊ฑด 2. ๋‹ค์ฃผํƒ์ž์˜ ๊ฑฐ์ฃผ์ฃผํƒ ๋น„๊ณผ์„ธ ์š”๊ฑด 3. ๋‹ค๋ฅธ ์ฃผํƒ์„ ์ž„๋Œ€์ฃผํƒ ๋“ฑ๋ก ์‹œ ์š”๊ฑด 4. ๋‹จ๊ธฐ์ž„๋Œ€์ฃผํƒ ๋“ฑ๋ก ์‹œ ์ฃผ์˜์‚ฌํ•ญ 5. ์กฐ์ •๋Œ€์ƒ์ง€์—ญ ๊ธฐ์ค€ ๋ฐ ๋ฆฌ์Šคํฌ 6. ๋ ŒํŠธํ™ˆ ์‹ ๊ณ  ์‹œ ์œ ์˜์  7. ๋‹ค์„ธ๋Œ€·์˜คํ”ผ์Šคํ…” ๋“ฑ๋ก ๊ธฐ์ค€ 8. ์ž„๋Œ€์ฃผํƒ ์ „๋žต ์‹ค์ „ ํŒ ๐Ÿ“Œ ์ž์ฃผ ๋ฌป๋Š” ์งˆ๋ฌธ (Q&A) ✅ ํŒฉํŠธ์ฒดํฌ ์š”์•ฝ ๐ŸŽฏ ๋งˆ๋ฌด๋ฆฌ ๋ฉ˜ํŠธ | Multiple homeowners: How to avoid capital gains tax with rental registration Have you been concerned about facing a capital gains tax hit simply because you own multiple homes? Selling in a regulated area (like Seoul’s Gangnam or Yongsan) often brings unexpected tax burdens. But here's the good news: Und...

์ฆ์—ฌ vs ์–‘๋„, ์–ด๋–ค ๊ฒŒ ๋” ์œ ๋ฆฌํ• ๊นŒ? ์„ธ๊ธˆ๋ถ€ํ„ฐ ์ „๋žต๊นŒ์ง€ ์ด์ •๋ฆฌ!

์ด๋ฏธ์ง€
์š”์ฆ˜ ๋ถ€๋ชจ๋‹˜ ์ง‘์ด๋‚˜ ์˜ค๋ž˜ ๋ณด์œ ํ•œ ๋ถ€๋™์‚ฐ์„ ์ž๋…€์—๊ฒŒ ๋„˜๊ธฐ๋ ค๋Š” ๋ถ„๋“ค ๋งŽ์œผ์‹œ์ฃ ? ๊ทธ๋Ÿฐ๋ฐ ์ด๋Ÿด ๋•Œ ์ฆ์—ฌ๋กœ ์ค„๊นŒ, ์–‘๋„๋กœ ํŒ”๊นŒ ๊ณ ๋ฏผ์ด ๋งŽ์œผ์‹ค ๊ฑฐ์˜ˆ์š”. “๊ทธ๋ƒฅ ์ฆ์—ฌํ•˜๋ฉด ๋˜๋Š” ๊ฑฐ ์•„๋‹Œ๊ฐ€์š”?” “์„ธ๊ธˆ์€ ๋ญ๊ฐ€ ๋” ๋‚˜์˜ฌ๊นŒ์š”?” ์ด๋Ÿฐ ์งˆ๋ฌธ, ์ƒ๋‹ดํ•˜๋‹ค ๋ณด๋ฉด ์ •๋ง ์ž์ฃผ ๋“ฃ์Šต๋‹ˆ๋‹ค. ์‹ค์ œ๋กœ ์–ด๋–ค ๋ฐฉ๋ฒ•์ด ๋” ์œ ๋ฆฌํ•œ์ง€๋Š” ๋ถ€๋™์‚ฐ์˜ ์‹œ์„ธ, ์ทจ๋“ ์‹œ๊ธฐ, ๊ฐ€์กฑ๊ด€๊ณ„, ๊ทธ๋ฆฌ๊ณ  ์ฆ์—ฌ์„ธ์™€ ์–‘๋„์„ธ์˜ ๊ณ„์‚ฐ ๋ฐฉ์‹ ์— ๋”ฐ๋ผ ๋‹ฌ๋ผ์ ธ์š”. ์ž˜๋ชป ์„ ํƒํ•˜๋ฉด ์ˆ˜์ฒœ๋งŒ ์›์ด ์ฐจ์ด ๋‚  ์ˆ˜๋„ ์žˆ๋‹ต๋‹ˆ๋‹ค. ์ด๋ฒˆ ๊ธ€์—์„œ๋Š” ‘์ฆ์—ฌ vs ์–‘๋„, ์–ด๋–ค ๊ฒŒ ์œ ๋ฆฌํ•œ๊ฐ€์š”?’ ๋ผ๋Š” ์งˆ๋ฌธ์— ์‚ฌ๋ก€ ์ค‘์‹ฌ์œผ๋กœ ์•Œ๊ธฐ ์‰ฝ๊ฒŒ ํ’€์–ด๋“œ๋ฆด๊ฒŒ์š”. ๋๊นŒ์ง€ ์ฝ์œผ์‹œ๋ฉด ๋ถ„๋ช… ๋„์›€์ด ๋˜์‹ค ๊ฑฐ์˜ˆ์š”. ๐Ÿ˜Š | Introduction: Should You Gift or Sell Your Property? Are you thinking of passing down your house or real estate to your children? You're not alone. Many families face the dilemma: “Should we gift the property or sell it?” At first glance, gifting may seem easier. But when you look into taxes, things get tricky. Gift tax vs. capital gains tax, acquisition price, timing, and family relationships —they all matter. In this article, we'll break it all down clearly, using real-life examples to help you decide which option is better for your situation. Let’s dive in! | ์ฆ์—ฌ๋ž€ ๋ฌด์—‡์ธ๊ฐ€์š”? ์ฆ์—ฌ๋Š” ๋ง ๊ทธ๋Œ€๋กœ ๋ฌด์ƒ์œผ๋กœ ์žฌ์‚ฐ์„ ์ด์ „ํ•˜๋Š” ๊ฒƒ ์„ ๋งํ•ฉ๋‹ˆ๋‹ค. ๋ถ€๋ชจ๋‹˜์ด...

12์–ต์— ํŒ”๊ณ  ์„ธ๊ธˆ 990๋งŒ ์›? ์žฅ.ํŠน.๊ณต ์ ์šฉ ์‚ฌ๋ก€ ๊ณต๊ฐœ!

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“์šฐ๋ฆฌ ์ง‘์ด 10์–ต์ด ๋„˜์—ˆ๋Š”๋ฐ, ๋น„๊ณผ์„ธ ์•„๋‹Œ๊ฐ€์š”?” ๋งŽ์€ ๋ถ„๋“ค์ด ๊ณ ๊ฐ€์ฃผํƒ์˜ ์–‘๋„์„ธ๋ฅผ ๋‹จ์ˆœ ๊ณ„์‚ฐ ์œผ๋กœ ์ ‘๊ทผํ•˜์‹œ์ง€๋งŒ, 9์–ต ์ดˆ๊ณผ 1์„ธ๋Œ€ 1์ฃผํƒ์˜ ์„ธ๊ธˆ์€ ์™„์ „ํžˆ ๋‹ค๋ฅธ ๊ณ„์‚ฐ๋ฒ• ์ด ์ ์šฉ๋ฉ๋‹ˆ๋‹ค. ๋น„๊ณผ์„ธ๋Š” 9์–ต๊นŒ์ง€, ๊ทธ ์ดˆ๊ณผ๋ถ„์€ ๊ณผ์„ธ ๋˜๋Š” ๊ตฌ์กฐ์ธ๋ฐ์š”, ์—ฌ๊ธฐ์— ์žฅ๊ธฐ๋ณด์œ ํŠน๋ณ„๊ณต์ œ ๊นŒ์ง€ ๋”ํ•ด์ง€๋ฉด ์„ธ๊ธˆ์ด 3์ฒœ๋งŒ ์›์ด ๋  ์ˆ˜๋„, 300๋งŒ ์›์ด ๋  ์ˆ˜๋„ ์žˆ์–ด์š”. ์˜ค๋Š˜์€ ๋‹จ์ˆœํ•œ ์ด๋ก ์ด ์•„๋‹ˆ๋ผ, ์‹ค์ œ๋กœ ์–‘๋„๊ฐ€์•ก·์ทจ๋“๊ฐ€์•ก·๊ณต์ œ์œจ์„ ๋„ฃ์–ด์„œ ๊ณ„์‚ฐํ•˜๋Š” ์‹ค์ „ ์–‘๋„์„ธ ํ๋ฆ„ ์„ ์•Œ๋ ค๋“œ๋ฆด๊ฒŒ์š”. ๊ณ ๊ฐ€์ฃผํƒ์„ ๋ณด์œ ํ•˜๊ณ  ๊ณ„์‹  ๋ถ„๋“ค์ด๋ผ๋ฉด ๋ฐ˜๋“œ์‹œ ํ™•์ธํ•˜์…”์•ผ ํ•  ๋‚ด์šฉ์ž…๋‹ˆ๋‹ค. ๐ŸŒ | Intro (English) “My home is worth over ₩1 billion — isn’t it tax-exempt?” Many Korean homeowners are surprised to find they still owe capital gains tax when selling. That’s because the ₩900 million exemption cap applies only up to that amount — any excess is taxed. But if you also qualify for the Long-Term Holding Deduction , your taxable portion could shrink dramatically. In this post, we’ll walk through real calculation examples using numbers — not just theory. If you plan to sell a high-value home, you’ll want to read this carefully. |‘๊ณ ๊ฐ€์ฃผํƒ’์˜ ๊ธฐ์ค€์€ ๋ฌด์—‡์ธ๊ฐ€์š”? ์–‘๋„์†Œ๋“์„ธ์—์„œ ๋งํ•˜๋Š” ‘๊ณ ๊ฐ€์ฃผํƒ’ ์ด๋ž€ ๋‹จ์ˆœํžˆ ๋น„์‹ผ ์ง‘์ด ์•„๋‹ˆ๋ผ, ์–‘๋„๊ฐ€์•ก์ด 9์–ต ์›์„ ์ดˆ๊ณผํ•˜๋Š” 1์„ธ๋Œ€ 1์ฃผํƒ ์„ ์˜๋ฏธํ•ฉ๋‹ˆ๋‹ค. ...

ํ™ˆํƒ์Šค ์–‘๋„์†Œ๋“์„ธ ์…€ํ”„์‹ ๊ณ  ๋ฐฉ๋ฒ• (๊ณต๋™๋ช…์˜ ํฌํ•จ)

์ด๋ฏธ์ง€
|์–‘๋„์†Œ๋“์„ธ ์…€ํ”„ ์‹ ๊ณ , ์ƒ๊ฐ๋ณด๋‹ค ์‰ฝ์Šต๋‹ˆ๋‹ค ๋ถ€๋™์‚ฐ์„ ํŒ”๊ณ  ๋‚˜๋ฉด ‘์–‘๋„์†Œ๋“์„ธ’ ๋ผ๋Š” ์ด๋ฆ„์˜ ์„ธ๊ธˆ์ด ๋”ฐ๋ผ์˜ต๋‹ˆ๋‹ค. ์ „๋ฌธ๊ฐ€์—๊ฒŒ ๋งก๊ธฐ๋ฉด ๋งˆ์Œ์€ ํŽธํ•˜์ง€๋งŒ, ๋น„์šฉ๋„ ๋งŒ๋งŒ์น˜ ์•Š์ฃ . ๊ทธ๋ž˜์„œ ๋งŽ์€ ๋ถ„๋“ค์ด "ํ™ˆํƒ์Šค๋กœ ์…€ํ”„๋กœ ํ•ด๋ณผ ์ˆ˜ ์žˆ์„๊นŒ?" ๊ณ ๋ฏผํ•˜์‹œ๋Š”๋ฐ์š”. ์‹ค์ œ๋กœ๋Š” ์ƒ๊ฐ๋ณด๋‹ค ๊ฐ„๋‹จํ•ฉ๋‹ˆ๋‹ค.  ๋ช‡ ๊ฐ€์ง€ ์ ˆ์ฐจ๋งŒ ์ตํžˆ๋ฉด ๋ˆ„๊ตฌ๋‚˜ ๊ฐ€๋Šฅํ•ฉ๋‹ˆ๋‹ค. ํŠนํžˆ, ๋ถ€๋ถ€ ๊ณต๋™๋ช…์˜๋ผ๋ฉด ์–ด๋–ค ์ ์„ ์ฃผ์˜ํ•ด์•ผ ํ• ์ง€, ๊ฒฝ๋น„๋Š” ์–ด๋–ป๊ฒŒ ๋‚˜๋ˆ  ์ž…๋ ฅํ•˜๋Š”์ง€ ๊ถ๊ธˆํ•˜์…จ์ฃ ? ์˜ค๋Š˜์€ ์‹ค์ œ ์…€ํ”„ ์‹ ๊ณ  ์‚ฌ๋ก€๋ฅผ ๋ฐ”ํƒ•์œผ๋กœ ํ™ˆํƒ์Šค์—์„œ ์–‘๋„์†Œ๋“์„ธ๋ฅผ ์ง์ ‘ ์‹ ๊ณ ํ•˜๋Š” ๋ฐฉ๋ฒ• ์„ ์ฒ˜์Œ๋ถ€ํ„ฐ ๋๊นŒ์ง€ ์ฐจ๊ทผ์ฐจ๊ทผ ์•ˆ๋‚ดํ•ด๋“œ๋ฆด๊ฒŒ์š”.  ๋๊นŒ์ง€ ์ฝ์–ด๋ณด์‹œ๋ฉด ์ž์‹ ๊ฐ์ด ์ƒ๊ธฐ์‹ค ๊ฑฐ์˜ˆ์š” ๐Ÿ˜Š |Filing capital gains tax yourself? Yes, you can If you’ve sold real estate in Korea, you’ve probably heard of capital gains tax (์–‘๋„์†Œ๋“์„ธ). Many people choose to hire a tax accountant or legal expert, but the cost can be high. What if you could just file it yourself through the Hometax system? Good news — it’s easier than you think! As long as your situation is simple and your deductible expenses are straightforward, self-filing is totally doable. In today’s post, we’ll show you step by step how to file your capital gains tax via Hometax, including what to do if it’s under joint ownership and how to divide the costs. By the end o...