Seoul apartment actual transaction price index falls for the first time this year… Aftermath of ‘loan regulation’

by times news cr
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The 58㎡⁢ exclusive area⁣ of ​​Junggye Jugong 5 Complex ⁣(2,326⁢ units), which has been in operation for 33 years ‌in Nowon-gu, Seoul, was traded for 700 ​million won in September this year. The price fell by about ⁤10 to 20 million ​won ‍compared to July. The exclusive 84㎡ unit of Raemian Vera Hills (1,305 units), which has been in Eunpyeong-gu‍ for 6 years, was traded for 1.15 billion won last month, down 60 million ⁤won from ‍the‌ previous transaction of 1.21 billion won in August. A nearby real‌ estate brokerage office ⁤said, ⁣“Purchase inquiries have dropped ⁣off due to lending regulations,” ⁤adding,​ “The occasional inquiry asks ‌about the asking price and there is ‍not much willingness to buy.”

In September, the Seoul apartment sales price index turned downward for the⁢ first time this year. With the ⁣implementation ⁤of the second-stage debt⁢ service ratio (DSR), the buying ​trend has slowed and transactions have plummeted, and apartment ‌sales prices appear to have fallen slightly.

According to the September apartment transaction price index announced by the Korea Real ⁢Estate Board on the 17th, the Seoul apartment actual transaction price index decreased by 0.01% compared to the previous month. This ‌is the first ⁤time⁣ in ⁢nine months that the Seoul apartment actual transaction price index has fallen since December⁤ of last year (-1.19%).⁢ Unlike sample-based⁢ price trend ​research that reflects asking prices or market⁤ prices, the ‌actual transaction price index indexes only actual transaction prices that have ​actually‍ been transacted by comparing them with previous transaction prices.

The area ‍with the largest decline by region was the northwest region, including Eunpyeong, Seodaemun-gu, and Mapo-gu, which fell‌ by 0.90%. The northeastern region, where ⁣the Nodogang River (Nowon, Dobong, Gangbuk-gu) is located, also fell⁤ by 0.42%. The average sale ‍price of 84㎡ exclusively for ‍DMC ‌Park View⁢ Xi, which​ has 4,300 units in Seodaemun-gu, fell from 1.29 billion won in August to 1.28 billion won in ​September. On the 14th of this month, it was traded for 1.265 ‍billion won.

On the other hand, the index in the southeastern region, which includes the ‍four Gangnam ‍districts (Gangnam, Seocho,‍ Songpa,​ and Gangdong-gu), continued its upward trend, rising ⁢by 0.86%. 59㎡ exclusively for Daechi I-Park in Gangnam-gu​ was traded at a reported price‌ of 2.65 ⁣billion won on the 9th of last month. 132㎡ exclusively ‍for Banpo Xi was traded at the highest price ever for ‌5.341 billion won in September this ​year. The urban area, including Jung-gu, ⁢Jongno, and Yongsan-gu, and the southwestern area, including Gangseo, Yangcheon, and Yeongdeungpo-gu, rose by 0.10% and 0.30%, ⁤respectively.

While upward and downward transactions are seen in each⁢ region, the overall apartment‍ sales transaction volume in Seoul is decreasing and listings are piling‌ up. According ‌to Asil (actual apartment transaction price), a real estate ‌information company, on this day, there⁣ were 89,337 apartments ⁢for sale in Seoul‍ registered online. It increased by 25.4% compared

Experts predicted that ‍buying sentiment would freeze toward the end of the year and the wait-and-see attitude would intensify. Although there will be an upward trend in some high-priced complexes, it is expected to be an overall bear market. ⁣As ⁤a result⁢ of the Korea Real Estate Board calculating ⁤the provisional index ​of actual transaction prices in October based on sales contracts reported⁤ until ‍the end of last month, Seoul fell by 0.36% and‍ the nation​ fell by 0.06%. Park Won-gap, senior ‌real estate expert at KB‌ Kookmin ‌Bank, said,⁤ “There are some places where there are upward transactions, but there will​ be weakness due to lending regulations. ⁣However, it ⁤will be⁢ a⁢ slight adjustment rather than a sharp decline.”

Reporter Choi Dong-su [email protected]

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How does Park Won-gap suggest⁢ potential homebuyers ‌navigate the current‍ real estate market challenges?

Interview with Park Won-gap, Senior Real Estate Expert ⁤at KB⁢ Kookmin Bank

Editor, Time.news: Good ​afternoon, and welcome to our readers. Today, ⁣we have the privilege of speaking with Park Won-gap, a senior real estate expert at KB Kookmin Bank, to discuss the recent shifts⁤ in the ‍Seoul apartment market. Park, thank you for joining us.

Park​ Won-gap: Thank you for having me. It’s great⁣ to be here.

Editor: ‍The latest data‌ indicates a​ decrease in ⁣the Seoul apartment ⁤sales price index for the first time in nine months. What factors do you believe contributed to this significant change?

Park Won-gap: Several‍ factors are at play here. Primarily, the recent implementation of‍ the second-stage debt service ratio ⁤(DSR) has tightened lending regulations, which naturally ⁣affects purchasing power. As a result, buyer sentiment has weakened.⁢ We’ve seen ⁣notable declines in transaction volumes, as well as price adjustments in specific areas,⁣ particularly in Nowon-gu and Eunpyeong-gu.

Editor: It’s fascinating to see how lending regulations impact the market. The data suggests that the sales price ⁢of certain properties dropped⁤ significantly. Do you ​think this decline is an early indicator of‍ a more extensive bear market, ⁣or do you ​anticipate a rebound?

Park Won-gap: While we are‌ likely to see‌ a slight adjustment rather than a sharp‌ decline, the overall trend is indeed leaning ⁤towards a bear market. Buyers are becoming more cautious, adopting a wait-and-see approach. Although‍ there are some high-value complexes ‌such as ​those in Gangnam that continue to see upward trends, the broader market sentiment is one of caution.

Editor: You⁢ mentioned the Gangnam area. Could you ⁢elaborate on why certain regions are defying the downward trend?

Park Won-gap: Certainly. The Gangnam districts,⁢ which are known for their premium properties and high demand, tend to ‍be more insulated from market‌ fluctuations. Investors and buyers in this area often have more financial flexibility, and even amid regulations, ⁤there’s still a strong interest due to the location’s long-term value. Properties like the Daechi I-Park and the recently traded Banpo Xi ⁢reflect ‌this ‌resilience.

Editor: Given the ⁢current market landscape, what advice would you give to ​potential homebuyers or investors looking ‍to navigate this environment?

Park Won-gap: My primary advice would be⁣ to conduct thorough⁤ research‌ and be⁢ patient. With an increase in listings—89,337 apartments for sale as of today—there may be opportunities for buyers to negotiate better prices. It’s essential to consider the long-term value of properties,‌ especially in desirable locations, rather than making ‌impulsive decisions based on short-term trends.

Editor:‌ That’s very insightful, Park. As we ⁤approach the end of⁣ the ⁤year, do you foresee any significant shifts in the market, or will the factors we discussed continue to dominate?

Park Won-gap: I anticipate continued cautiousness among buyers. The‌ sentiment may remain stagnant until clearer indicators emerge. However, I’m hopeful that ​as we enter 2024, we’ll start to see a return of interest if economic conditions improve⁤ and lending becomes more accessible.

Editor: ‌Thank you, Park, for sharing⁣ your expertise with ‌us today. It’s evident that the Seoul real estate ​market is navigating⁤ a complex phase. We​ appreciate your insights and look ⁣forward to following the developments.

Park Won-gap: Thank you for having me.⁢ It’s been a pleasure discussing this important topic.

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