2024-03-25 06:14:38
As of the end of February, 25,563,099 people… First increase since June 2022
Impact of the ‘Youth Housing Dream Subscription Account’ launched by the government last month
Benefits for newlyweds and families with a baby starting from the 25th… “It will be an alternative to future planning.”
While the number of housing subscription account subscribers has been on the rise for the first time in 20 months, there is a possibility that the number of subscribers will increase further as the subscription system is being reformed for newlyweds, households with children, etc. from this day.
According to the Korea Real Estate Agency’s subscription website on the 25th, as of the end of February, the total number of subscribers to the housing subscription comprehensive savings account was 25,563,099, an increase of 1,723 from the previous month (25,561,376). It has been 20 months since the number of subscribers to the housing subscription comprehensive savings account decreased from 27,031,911 in June 2022 to 27,019,253 in July of the same year.
By region, Seoul increased by 5,206 people from 5,974,299 in January to 5,979,505 last month, while Incheon and Gyeonggi increased by 711 (8,412,063 → 8,412,774). Other regions also increased by 1,624 from 6,255,422 to 6,257,046. However, in the case of the five major metropolitan cities, the number of subscribers decreased by 5,818 from 4,919,592 to 4,913,774.
In the meantime, the number of subscribers to subscription accounts has been steadily decreasing due to the theory that subscription accounts are useless due to the continued surge in sales prices, savings interest rates that do not match reality, and income standards. It is being solved.
The biggest factor in the increase in the number of subscription account subscribers is the Youth Housing Dream subscription account, which was launched on the 21st of last month. This account targets homeless people aged 19 to 34 and raises the annual income standard from 35 million won to 50 million won based on the existing youth preferential subscription account. The payment limit was also expanded from 500,000 won to 1 million won per month, and the interest rate increased from a maximum of 4.3% to 4.5%.
We are also planning to launch a low-interest loan product linked to this at the end of this year. As of the end of the year, a year has passed since signing up for the Youth Housing Dream subscription account, and a young person with a payment history of more than 10 million won can use the ‘Youth Housing Dream Loan.’ Using this, you can borrow up to 80% of the sale price at an interest rate of 2% for houses with a sale price of 600 million won or less and an exclusive area of 85 m2 or less.
Meanwhile, the government has begun to further improve the subscription system to benefit not only young people, but also newlyweds and families with children.
According to the Ministry of Land, Infrastructure and Transport, from this day on, even if your spouse has owned a house before registering your marriage, if you have no history of ownership, you will be able to apply through a special supply selection process for the first time in your life. Even if a couple applies over and over again, the application applied first is treated as valid.
Also, until now, dual-income couples were only able to apply for special public housing provision with a combined annual income of about 120 million won, but in the future, they will be able to apply for subscription with an annual income of up to about 160 million won.
In addition, when calculating additional points for private housing, it is possible to add up to 50% (maximum 3 points) of the spouse’s bank account period. The standards for special provision for multiple children in private and public housing will also be relaxed from three or more children to two children.
Benefits for families with children were also expanded. Households with children (including pregnancy and adoption) born within 2 years of the date of the tenant recruitment announcement can apply for special supply (priority supply) for newborns. The priority supply volume is scheduled to be 30,000 households per year for New: Home (public sale), 10,000 households per year for private sale, and 30,000 households per year for public rental.
In order to reduce the burden of housing costs for households with a new baby, if you are selected for the special provision for newborns, a special stepping stone loan for newborns will also be provided at the time of move-in. In addition, if you have children (children born after March 28, 2023) when applying for public housing, you will be subject to income and asset requirements increased by up to 20% points.
The industry believes that the number of subscribers will increase further following this revision of the subscription system.
Lee Eun-hyeong, a research fellow at the Korea Construction Policy Institute, said, “Providing subscription accounts and loans together like this is positive in that it provides an alternative for making future plans, regardless of the possibility,” and added, “In addition, it is a good thing for newlyweds and households with children. “It is also good to have continuity with additional interest rates until housing support is strengthened,” he explained.
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2024-03-25 06:14:38