The way to make money

Chen Yuxin

Close to midnight, with the tiredness of work, Park Can Xuan returned home. He didn’t open the light, lying directly on the bed, accurately, that is just a mattress. The whole building is quiet, and other rooms seem to be empty.

In the monthly rent for 5 years, Park Canfei, 29, finally in Seoul, \”rich area\” – Jiangnan District has a room. However, this area is only 7 pings (about 23 square meters) rooms, and it is not \”home\” for him.

This spring, the distance is less than 4 months, and when the neighbors are still renovating, Park Canzen has rushed into the new house, simply adding a few small appliances, the TV wall is still not yet Open it on. It is almost used to sleep every day.

As a partner of a small design company in Seoul, Park Can Xuan’s income is above the average, but there is no deposit in the early days of entrepreneurship, and the family is not rich. When you talk about this thing, Park Can Xuan’s tone is not joy, more helplessness: \”Now you can’t afford it.\”

[123 ] On August 8, 2021, Seoul, South Korea, a house price information of Seoul Apartments. People’s vision map

In Korea, which is \”Seoul Republic\”, nearly five-fifths live in Seoul, about half of the population and most resources are concentrated in the capital circle of Seoul, \” \”Creating Seoul is greatly attractive to Korean young people, giving birth to constantly pushing housing prices.

According to the property market statistics released by the Korean KB National Bank, the average transaction price of Seoul apartment in October this year exceeded 1.2 billion won (about RMB 6.5 million), rising 20% \u200b\u200bfrom October last year, with 2017 I doubled in May. On the other dimension, the Korean National Bank data shows that in the first quarter of this year, Seoul’s price income ratio (PIR) was 17.8 times, and the highest level since the first preparation of this data in 2004. This means that ordinary citizens will continue to pay all the banks in Seoul without spending a penny, in order to buy a house in Seoul.

For ordinary Korean young people, I want to take root Seoul, high housing prices are a hurdle, and compared to the most basic residential features, a multi-social property carried by a paper ticket. – The recognized social class, high-quality education resources, the value of assets, may be the invisible \”Besieged City\” behind the house price.

Current, sustained epidemic, high housing prices, convenient transportation, etc. Under more factors, more and more Korean young people have escaped from Seoul, but they have not arrived, mostly in the nearest capital circle Looking for the place to stay. There are also people to retrore returning to Seoul for their needs such as children.

[123At present, there are still more than 3 months from the next Korea election. The presidential candidates of all parties have already played the \”Municipal Policy\” brand, intended to respond to voters concerned. However, the perception of Korean young people who have fallen into the vortex of these homes in the vortex of these homes.

Which neon is full of neon, why is home.

A person who has fallen into a serious debt and financial dilemma in order to get a cash reward of 45.6 billion won (about RMB 250 million), in the \”game\” Only one person came out. Netflix homemade Korean drama \”Squid Game\” in the murderous competition plot, let Park Can Xuan feel the same, one throughout the drama.

\”Squid game is only 6 levels, and the competition game of the real world is far more than.\” Park Can Xuan said that from the admission of famous universities to entrepreneurship, he thought that he had already entered the upper society, but reality Tell him: It is still far away.

Park Can Xuan University After graduating, only 2 years in Seoul, the office is located in the bustling Jiangnan District, although only 6 small teams, the success of entrepreneurship is still brought about some sense of accomplishment to Park Canxia At that time, he made a career in his body, no desire and no money to buy a house.

\”The house is not a necessity, this idea is really laughing by many people. A set of apartments do not only carry a living function, but the capital of social competition.\” Park Can Xuan was taken by friends, colleagues, and customers. Heart, pay attention to the housing information from the beginning of 2019, but he has accumulated a lot, that is, look at it.

Until 2020 Spring, the New Crown Epidemic let Park Can Xuan reconsider his future.

\”For a while, I thought about it, thinking that if the company is closed, I seem to have nothing, and I have lost the reason for continuing in Seoul.\” Subsequently, Park Can Xuan started to take the real estate intermediary and familiarize the housing market. Friends, realizing that the property is indeed a path to financial security.

Seoul office workers visual China map

The 33-year-old Jindang is to \”not lose in the starting line\”, and want to make a place in the capital.

Now living in Jin Hao Shuo, the capital circle, Gyeonggi, 50 minutes a day to go to work in Seoul, see the age of the daughter to go to school, in order to provide a better growth environment, a family considering moving Seoul city.

\”The school teachers in the capital circle are good, but the Seoul City School is not only school, not only the well-known replenishment agencies, the children’s quality is generally higher.\”

Even so, Seoul City The high price of the better school area is golden.

In South Korea, primary school, junior high school implements the recruitment area enrollment, the school district environment is closely related to education resources. Jin Hao Shuo believes that althoughThe government has introduced a policy to abolish elite high school, correct education inequality, but housing inequality will also be an important factor that leads to inequality of next generation.

Korean media reported that in decades, the top university’s academic qualifications and Seoul have always been an important standard for Korean society to measure the middle class, so almost three-quarters of Korean family’s main wealth is in real estate. superior.

Since last year, the largest consumer group in the Korean property market has been a young generation. The data of the South Korea’s non-moving hospital shows that from January to July 2021, Korean young people buy a house in Seoul and the capital circle, in the completed apartment, 40-year-old youth group purchase accounts for about 40%.

In them, there is no shortage of golden sobbles to grow up, and enjoy the upper class children, more and more people who are less than the 20-year-old youth purchase property with the help of their parents. South Korea’s common democrat Members, Pu Merch, who was submitted to the Preshanging Plan for the Funding Plan from the Ministry of Land, which, from January to May 2021, 69 cases of adolescents purchased real estate, which were nearly near the same period last year. 10 times.

Moreover, it is like Park Can Xuan, Jin Hero Success, can only depend on herself or can get a young man who can support a small amount of funds. In the Korean Construction Industry Research Institute, the Senior Research Council of the Senior Research Entertainment, these \”young people who lack parental economic support will have a deprived feeling, which is a type of property depression.\”

\”We must enter a ‘new class society’, if you don’t enter the upper class now, the next generation may never have a chance to cross the class.\” Korea Economic and Social Policy Zhicu LAB2050 CEO Li Yuanzai The news said that in such a society, people’s interest is concentrated in civil service exams, college entrance examination education and real estate investment, which is natural trend.

Li Yuanzai added that the full-time job of civil servants is like a safety asset, which can guarantee an annual return rate; brand-name university Diploma is a \”knowledge certification\” and can divide the class; \”Today, property ownership Change the key boundary line of new class system. \”

Turning

Local time on October 17, 2021, High-rise apartment in Seoul, South Korea. Visual China map

A 23-square-meter commercial and residential room in Seoul is not enough to allow Park Can Xuan’s sprouting line from the new class.

South Korea Incheon, a real estate agent in the home away, Mr. Cang, introduced to the news, all in all residential in Korea, the highest price, higher than the villa, also have 6-7 layers of ordinary buildings and The commercial and residential room transformation of the office building is mainly for lower income people.

Park Canzen knows that \”I am on the car\” too late, I still have a \”car\”. But good, he took this step.

\”If you can’t get rich quickly, that isTowards poverty. \”Park Can Xuan said that this is what everyone often hangs in the mouth. South Korea’s young people have never been in time, but they have realized that high housing prices come from social structural reasons, if they don’t buy a house, it will not be able to buy in the future Also bear higher rent.

The population of the capital circle gathers, is the basic plate of high housing prices.

On the other hand, Seoul University Finance Assistant Professor Jindong Fan is a news. In recent years, the most direct reasons of the Korean real estate market are ultra-low interest rates.

Affected by new crown epidemic, South Korea’s central bank will drop the benchmark interest rate sharply from 1.25% from 16 March 16, 2020, then in 2020 Down to 0.5% from May 28, until the end of August this year ended the 15-month history minimum benchmark interest rate loose monetary policy.

Cheap funds promote the property market, push high housing, and Koreans are witnessed After the housing price rose, it is considered that \”the final deadline\” will soon come, and will not be affordable. The rapid spread of this panic emotion brings a vicious circle, and the real estate speculation further exacerbates the concentration of the capital circle population and wealth. Differentiation.

As a response, the Korean previous governments have made multiple rounds of revisions, starting points, tax objects and tax rates for real estate taxes, and the Korean President Wen is a 25 policy in 4 years.

The high price and tightening mortgage policy of the apartment, Park Can Xuan can only reduce the selection range to the loan policy relatively loose commercial and residential room. He introduced the news, he pays 1 The down payment of Yaan (about RMB 530,000), 390 million won (about RMB 209 million) to the bank, because it is a simple room, and he has added some home appliances.

Park Can Xuan has never told the specific amount of the housing loan, because the parents can also work hard, can only work hard to make money, \”There is a feeling of ending life to change the house, there is a lot of white hair\”.

talk In the future, Park Can Xuan is now, he will never reach the top of the class pyramid. \”I have no ability to exchange big houses in the Jiangnan District of Seoul, unless the company is listed, this is a dream. \”However, considering future formation family plans, struggle to struggle in order to buy more residents.

Apartments in Jiangnan District, South Korea. Visual China map

Park Can Xuan stepped into the road to the replacement residence, Jinsheng Shuo has also struggled in the fashing of the market and policy, and it is difficult to buy in the core area of \u200b\u200bJinsuo’s current economic capabilities. A suitable apartment, so he hopes to subscribe to the new house. \”New housing subscription price is generally 70% to 80% of the market price, as long as the sign, it is equivalent to earning hundreds of millions of Chinese, so everyone calls it is’ Lotto Subscription ‘, who doesn’t want to try it. \”

According to South Korea’s \”Central Daily\” report, in the high-house price area of \u200b\u200bthe government’s key control, it is basically funded by state-owned residential urban guarantee companies (hug) to determine the price, the price is not considered, the size, brand and other factors Only the land price and construction costs are considered, so the price is generally lower than the surrounding cells.

Many years ago, the residential application for Jin Henuo has reached the subscription benchmark. After marriage, he had a total rental house and half a one-time payment of housing prices as a margin. During the two-year lease, they were transferred in Seoul, and the real estate agents were listened to new homes.

In Korea subscribed to new homes, you need to borrow integral competition, integral reference is married, the number of families, no room long, and working age. \”The eyes are too high, the points are too low, the light is lucky or not.\” Jinheng Shuo Zeng Xinxin participated in a new housing subscription, failed to sign, only refunded, with the returned total rental margin, Bank loans Gyeonggi Province is home. But this is not always for all. After many years, Jin Hao Shuo has to step into the city of Seoul.

Korean media said that some speculative buyers squeezed the space for the purchase of houses in the case of housing supply. The Korean government has issued a \”punitive\” measures with two sets of families, not only strengthening loan restrictions, but also significantly increases tax rates, and forces them to sell excess housing.

Faced with high taxes, some multi-suite holders see the tricks, choose to give real estate to relatives. According to the \”Korea Daily Economy\”, the National Taxation Department said that in 2020 declared real estate gifts and tax payment records reached 2.15 million, an increase of 41.7% from the previous year.

For innocent Junctions, real estate new politicia has also had a negative impact on them. Denang, a professor, a professor of the real estate department of South Korea, said to Korean media, and improved tax rates that actually help control housing prices and multi-purpose housing, but from the long-term, \”this will be a major disaster for civilians.\”

[123 Jin Hengshuo has not been expected for the government’s regulatory policy, saying that it has never benefited from policies. \”From renting a house to buy a house, then to consider the redemption, after work, my life is like it is always related to the house.\” He spokes \”Young-gul\”, which means that all buying houses, even, even the soul.

Escape

In the face of a room that is difficult to seek, the text is difficult to respond to the government. Since the text, since I took office in May 2017, I have introduced 25 policies, but the average price of Seoul is still over, the rate of soaring speed is far more than income growth.

Professor Jin Dongfan, a Professor of the University of Seoul, said that the real estate policy issued by the government, only a large proportion of \”privileged class\”. For the low-income class, buy a house is not unrealistic, it may be a way to stop loss, because the rent is rising, the rent will also climb, if you don’t buy a house early, one day will be a dayDefare a rent and leave Seoul.

\”Leaving Seoul is a wise choice.\” 26-year-old Cui Yizhen said to the news, last year she returned to Busan, where she was from Seoul, and 3 years ago, she firmly wants in the capital dream.

In 2019, Cui Yizhen was selling in a job in a job in Seoul. \”There is no balance of deposits in that year, because nearly half of the salary is used to pay a rent.\” She originally thought that in several years in Seoul, life can improve after the salary increase. However, the new crown epidemics raid, her job is changed, and she has been required for 3 consecutive months for three days, and the income is reduced.

In August 2020, she lived in August 2020 due to the expiration of the landlord, and the landlord told that the price of the rental housing was suddenly rising, and Cui Yizhen did not help.

At the end of July last year, South Korea had just passed the \”Lease Law\” amendment, requiring a total rental and monthly rent of the rent of rent to exceed 5% of the rent amount, to protect the rights of tenants, there are many The landlord immediately retreated the initial price of the annual rent, and the listings of the whole rental room also decreased significantly.

Korean local real estate intermediary shop vision China map

\”East Asian Daily\” report, the \”Lease Law\” amendment is subject to a new rental house price is more renewed The price rose 32%. A 40-year-old parents sigh in the petition in Qingyarta: \”In addition to stealing, there is no way to raise rising rents.\” In this case, the government still repeatedly emphasized that the \”Lease Law\” helps to stabilize the people living environment.

Cui Yizhen remembers the movie \”parasite\”, the main character is half a ground, the room exudes a germ, and the rain wall is rampant. The protagonist said in her ear: \”When you have no time, you will eventually go to this place.\”

\”If you can’t hold it in a few years, you still have to leave Seoul. It is better to make a decision to make a decision. \”In Seoul, I didn’t have time to go through the city, Cui Yizhen chose to leave.

Cui Yizhen is not an example. Korea Real Estate Research Company \”Real Today\” announced on November 16 showed that 574,000 people in 2020 moved from the first, and 434,000 people in the first 9 months have joined the ranks of \”Escape\” Seoul, of which The tendency of the second- and thirteenth year of age leaves Seoul is the most obvious. At the end of 2020, Seoul City’s population fell below 10 million since 1988.

Many analytics blamed this phenomenon on the housing prices of Seoul. However, Cui Yizhen said that she is not blaming the Hill’s housing problem, but recognizing that the wishes of the past are too innocent. \”Not anyone can afford in the cost of life in Seoul, the housing is just a small part of all difficulties.\”

After returning to Busan, she took a clothing store with her boyfriend, planning next year’s loans in the local area.Purchased a villa.

Broken

Seoul housing price is not a day.

In order to stabilize the house price, from the Golden Government to the current text in the government, there is no unknown. At the beginning of the stage, I promised that \”the residents have their own housing\” in the 寅 government, in this regard, the policy is particularly.

From June 1 this year, the South Korea’s comprehensive property tax rate was raised to 1.2% -6%. At the same time, the transfer tax rate is also raised, and the owner of the multi-suite will be held 65% to 75% tax rate. This means that the dividend that the owner’s housing price increase will be used to pay taxes.

Moreover, the Korean government is based on the annual assessment price of the property, rather than the actual market value to the land and housing, leading to further rising tax, people’s rental and purchase costs, and the people complained. There is a social platform that the government policy failed, but the responsibility of the housing prices rose to the public.

In Li Yuanzai’s view, the text is incorrect in the initial property policy of the Government, taxing and introducing loan restrictions on multi-housing holders, designed to control demand, but the result is to suppress sales, squeezing supply . But in fact, real estate demand is not controlled because the population is constantly flocked to Seoul. Until last year, the government reversed the policy direction and committed to resolving housing supply issues.

\”Now, the government should make more efforts to expand housing supply.\” Wen said in the \”2021 and People’s Dialogue\” programming in Korea KBS TV, November 21, did not control Room rate rises is the biggest regret in its term.

Even so, the text remains in the end of the year.

South Korea Gellop’s polls in July this year showed that in 51% of the report in the residents of the, the real estate policy failed was listed as the maximum stimulus. This will also become one of the important topics of the president of South Korea.

Wen is in the vision of the Chinese map

In terms of tax system, there is a \”Wen Dynasty\”, the common Democrat candidate, who has introduced the introduction of land, and suppress speculative demand. . National Power Party Candidates Yin Xixue plans to retrurit real estate tax and substantially adopt tax system to alleviate tax burden. In this regard, the policy framework of both sides attacking each other is \”the tax reduction\” and \”tax for the people\”.

In terms of residential supply, both candidates have promised to expand housing supply, and Li is proposing a solution based on the public sector, and Yin Xixue is more focused on invoiring folk re-development and re-building market.

Whether it is the main government intervention, or to the liberal route, the \”Dynasty Disease\” around the people’s livelihood is always the most excited smoke in the election. But Park Can Xuan does not care about the high talks of these politicians. \”I believe that the government will reduce the housing prices, it is a joke.\” Park Can Xuan said that the next presidential candidate is on the real estate issue.Just to harvest the ballot. \”The vested interest class and the upper social social controlled property policy development, they basically purchased a property in Seoul, the reform impossible to levere,\”

In Li Yuanzai, the presidential candidate pays attention to tax adjustment It is worth alert whether the standard is not alert, and the overheated real estate market may be the signal expanded by bubbles. Once the bubble is broken, the Korean economy will collapse.

However, Pu Shengren, a university economist in Seoul, said that the danger of Korean economic bubbles and its destruction is exaggerated, and this situation is different from the bubble economy in Japan in the 1990s. The Korean government needs to take action against the property market, but no matter what policy will quickly make the price tends to be stable.

\”Korean speculative housing has lost reason, the more the government is more and more out of control. Now the real estate market is very dangerous, as long as the interest rate of the United States increases, South Korea will immediately hit the horse.\” A South Korea who requires anonymous Historical experts said to the news, from the half of the year of the 1960s, Korean real estate experienced five soaring days, and housing issues have also triggered the municipal riots.

From the first time to the fourth speeding period, the differences obtained by the real estate speculation are 20 to 30 times, 5 to 6 times, 2 to 4 times, and 2 times, and the return rate is much higher than the same period. Any industry. \”Most of South Korea regards housing as a means of proliferation, rather than living space.\” The expert said.

South Korea has a flue language \”Humanity is the Creator, the horses are the house owner\”. Whether the \”unbeaten real estate\” will be fascinating, like Park Can Xuan and Jin Heng Shuo’s attention, they hop on the bustling urban, watching a fragile but not broken \”Seoul Dream.\”

Editor: Zhang ignorant photo editor: Shi Jiahui

Agreement: Zhang Yan