00:00이 시각 세계였습니다.
00:30완전한 실제 대포를 오죠.
00:3370만 원 to 80만 원.
00:37And in Eunpyong,
00:39redevelopment resale premiums
00:41have already climbed past 600 million 원
00:44on some units.
00:46It's Tuesday, July 21.
00:49Let's look at what's happening
00:50in Korea's property market.
00:52서울 apartment prices
00:54have outpaced income growth
00:56for over a year now.
00:57The Transaction Price Index for sole apartments rose 13.2% between March 2025 and March 2026,
01:06while the median household income used in the same calculation grew just 3.3%.
01:12That gap is why banks are now rationing mortgage volume instead of just raising rates.
01:19Here's what the numbers show.
01:21Standard Chartered Korea halted new general mortgage applications at every branch through October, citing exhausted lending quotas.
01:30Seoul's Housing Affordability Index hit 187.1 in March, the highest reading in three years,
01:39meaning a median income household now spends 48.1% of annual income on mortgage payments.
01:46Korea's five largest banks raised five-year fixed mortgage rates to a range of 4.79% to 7.52%,
01:56up from 3.93% to 6.23% at the end of last year.
02:02The tax deferral threshold rises from 70 million won, about $52,000, to 80 million won, or roughly $59,000,
02:14this month,
02:15but only 26 people used the program last year.
02:18In Unpyeong's Galhyeon-won district, resale premiums on relocation rights have reached 600 million won,
02:27about $445,000, as general sale unit counts increase.
02:33Seoul's non-apartment supply plan cuts developers' upfront cost burden from 30% of land value to 10%, effective this
02:42week.
02:43So what does this mean for buyers and Johnson's tenants weighing their next move?
02:49Earlier, we said Standard Chartered Korea shut its mortgage window.
02:53Here's what that means for you.
02:55Even well-capitalized buyers may need a second or third lender before securing financing this quarter.
03:02If you're weighing a move from Johnson to ownership,
03:05the widening affordability gap makes it worth watching how the non-apartment supply plan
03:11and November's mortgage limit changes reshape your options before locking in a rate today.
03:17That's today's AI Prism Real Estate.
03:21This episode was produced with AI assistance based on Seoul Economic Daily Reporting
03:27and reviewed by a human editor.
03:30AI Prism is a Juan Ifra Award-winning series.
03:33We'll be back tomorrow.
03:35You've been listening to AI Prism from Seoul Economic Daily.
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