87.9% surge in late 2020 for ‘rental purpose’ rather than real residence

87.9% surge in late 2020 for ‘rental purpose’ rather than real residence

In the second half of 2020, when real estate prices soared, the number of rental home buyers surged by nearly 90%. In particular, buyers for rental purposes paid more than half of their funds as tenant deposits, which greatly increased the risk of so-called ‘can-jeonse’, raising concerns that it could become a trigger for housing turmoil in the future when house prices fall.

Shim Sang-jeong, a member of the National Assembly’s Land, Infrastructure and Transport Committee, released the results of gap speculation analysis on the 6th after analyzing 1,161,204 housing financing plans reported from 2020 to August of this year.

According to the results of the analysis, 433,446 of the 1.56,85 individual home buyers in that period were rental purchasers. This means that 3 out of 10 homebuyers were for rental purposes, not actual buyers.

The number of rental buyers increased sharply from the first half of 2020 to the second half of 2021, when house prices soared. At that time, the number of people increased by 227% from 41,719 to 136,612. In particular, by the second half of 2020, the number of buyers increased by 87.9% to 78,404, and in the first half of last year, the number of purchases increased by 74.2% to 136,612.

Since the second half of 2021, when house prices began to fall, they decreased sharply by 30% compared to the previous year.

In the first half of 2020, 48% of the types of houses they bought were Seoul apartments, but the number of buyers for apartments in Gyeonggi and Incheon until the second half of 2020 and the first half of 2021, and for houses in non-metropolitan areas after the second half of 2021 increased. It is interpreted that the flow of speculative demand spreading from Seoul to the provinces is reflected.

Tenant deposit accounted for 52.5% of the housing purchase money of homebuyers for rental purposes, and they were most dependent on ‘the method of buying a house with a jeonse’.

Among ‘a way of living with a jeonse’, 121,553 people, or 28%, had more than 80% of the tenant’s rental deposit to the housing price. 111,481 (25.7%) of tenants accounted for 60-80% of rental deposits.

In particular, experts believe that there is a high risk of becoming a ‘canned house’ in which it is difficult to return the tenant’s deposit even if the landlord sells the house if the tenant’s deposit and loan amount exceed 80% of the purchase price.

There are 230,000 units in which the proportion of the tenant’s deposit is more than 60%. Rep. Shim was concerned that all of these houses could be classified as a ‘can-jeonse risk group’ during the period of falling house prices. The unreasonable gap speculation is spreading to the ‘can charter’ problem.

Rep. Shim pointed out that during the Moon Jae-in administration, house prices soared due to mistakes such as tax benefits for private rental registered businesses, expansion of jeonse loans such as Bogeumjari loans, and failure to apply DSR (total debt to principal interest repayment ratio). did.

He emphasized, “We should not view the tin can as a mere fraudulent crime, but be prepared to view it as a fuse that can lead to a housing crisis in the period of falling house prices.”

As countermeasures for canister jeonse, ▲ designating a jeonse rate of 60% or more as a risk zone and disclosing information ▲ strengthening publicity of new housing price information provided by HUG (Housing and Urban Guarantee Corporation) ▲ normalizing loan regulations such as DSR

In addition, he emphasized that it is necessary to prepare countermeasures by referring to past cases of defaulted rental apartments, such as granting the ‘priority to purchase right at an auction for the lessee’ for tenants who have lost their deposit, and to review the method of proposing the ‘Special Act on Jeonse for Canisters’ if necessary.

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