■ Host: Anchor Park Seok-won, Anchor Cho Ye-jin
■ Appearance: Park Won-gap, Chief Expert, KB Kookmin Bank
* The text below may differ from the actual broadcast content, so please check the broadcast for more accurate content. quote poem [YTN24] Please specify.
◇Anchor> As the market continues to rise and it is expected that supply will decrease, now is the right time, and more and more people are trying to buy a house even if it is excessive. As a result, if I try to buy a house in Seoul, 40% of my salary is required to repay the principal and interest. There are even stories like this saying that you have to bear the burden. What do you think about this phenomenon?
◆Park Won-gap> It’s too excessive. This indicator is announced by the Korea Housing Finance Corporation. So, in the second quarter, the burden of mortgage principal and interest should be approximately 41% of income. If you calculate that as an index, it is 165. However, in the third quarter of last year, it exceeded 200.
It reached 214, which was about 53% of my income at the time, but it was slightly lower than then. But there must be a historical average, right? The normal level is about 33% of income from home loans. About 33% to 25%. So, this is often considered as an index, and around 130 to 140 is considered optimal.
What is that story about? This means that there is a bit of a housing price bubble right now. From that perspective. That’s why I say, don’t buy too much. I believe chase buying is particularly risky. Because it can give a little bit on the demand side. So, even if you do buy it, there is no need to go out unless you sell it quickly.
Excerpt from the conversation: Ayoung Jang, Digital News Team Editor
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2023-10-04 05:13:00
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