Warning: Toxic Speech Habits! Gangnam Down, Nowon Up

● Gangnam Down, Nowon Up

Seoul Real Estate Market Trend Analysis: Policy Loans and Changes in Regional Sales

1. 2022 – Seoul Apartment Price Increase and Transaction Volume Decrease

Seoul apartment prices have generally increased.
Along with this, a significant decrease in transaction volume has been observed due to reduced demand.
Even with rising prices, actual transactions have decreased, leading to issues with insufficient sales and transaction delays.
As a result, price increases have become more prominent in the sales market.

2. 2023~2024 – The Impact of Policy Loans and Liquidity Expansion

The inflow of funds through policy loans amounted to approximately 56 trillion KRW in 2023 and 20 trillion KRW in 2024.
Policy funds have led to purchases of low-priced apartments (e.g., Nowon-gu), resulting in active transactions centered around specific regions.
While policy loans have boosted sales, they have also led to rapid changes in liquidity in conjunction with government regulations and reconstruction measures.
In this process, the intersection of multi-homeowners and general loan demand has created a domino effect in the market.

3. Regional Polarization – Nowon-gu vs Gangnam/Mapo/Mayeongseong

Ultra-low-price sales due to policy loans are concentrated in some areas such as Nowon-gu.
After purchasing apartments in Nowon-gu with policy funds, the funds are used to repurchase in areas with insufficient supply such as Gangnam or Mapo.
Gangnam, Mapo, and Mayeongseong have continuously risen in price due to few sellers, but transaction volume is gradually decreasing.
On the other hand, Nowon-gu has some sales available, but price decline pressure is forming, highlighting opportunities for home buyers.

4. Impact of Reconstruction, Redevelopment, and Deregulation Policies

The Yoon administration’s reconstruction, redevelopment revitalization policies, and deregulation have reduced the number of old housing sales.
If sales decrease sharply due to reconstruction expectations, a supply shortage occurs, which further fuels price increases.
In fact, sales are gradually disappearing from planned reconstruction complexes, attracting investor attention.
In this process, ‘unrealized valuation gains’ may exist, rather than simple price increases.

5. Future Prospects – Price Adjustment and Opportunities for Home Buyers

If transaction volume decreases and supply increases coincide, a price adjustment phase is likely to occur.
High-priced areas such as Gangnam are expected to face gradual price declines as demand is already saturated.
On the other hand, areas with increased supply such as Nowon-gun and Gangbuk-gu are expected to recover transaction volume without a significant price drop.
In the second half of the year, positive investment opportunities may arise, such as changes in transaction volume, sales, and general loan conversions.
As such, it is necessary to comprehensively analyze the movement of funds triggered by policy loans, expectations for reconstruction, and regional differentiation.

6. Market Changes in Gyeonggi Province and Other Regions

Along with Seoul, an increase in sales and price adjustments in some areas of Gyeonggi Province (e.g., Pyeongtaek) are also noticeable.
Signs of a shift to price declines are visible due to reduced demand and a surge in sales after high price increases.
As in the past, cases of rising low-priced housing prices in rural areas are also observed.
Overall, both investors and home buyers should pay attention to the market cycle of the region they desire.

Conclusion

The Seoul real estate market is greatly affected by policy loans and government policies, leading to an expansion of regional polarization.
After initial liquidity was supplied through policy loans, transaction volume decreased and price differentiation intensified in certain regions.
Reconstruction and deregulation policies are factors in reducing sales and rebounding prices, but subtle adjustments in transaction volume and prices are expected to be key variables in the future.
When considering actual investment or home purchase, it is important to analyze the current market situation in chronological order and carefully observe policy changes and sales trends.
It is necessary to understand and prepare for this phenomenon from various angles through the best SEO keywords such as Seoul, economic outlook, real estate investment, policy loans, and market changes.

< Summary >

Seoul apartment prices have continued to rise, but transaction volume has decreased.
Liquidity expansion through policy loans in 2023~2024 has boosted sales in specific regions (e.g., Nowon-gu).
Gangnam, Mapo, and Mayeongseong have risen in price due to insufficient supply, but transaction volume is decreasing.
Reconstruction and deregulation policies are inducing a decrease in sales and an increase in prices, and a phase of decreasing transaction volume and price adjustment is expected to enter in the future.
Similar phenomena are occurring in some areas of Gyeonggi Province, and both investors and home buyers should pay attention to the market cycle.

*YouTube Source: [와이스트릿 – 지식과 자산의 복리효과]

– “노원구 오르는데 강남 하락하는 시기 옵니다” 하반기에 이런 집을 사세요 / 이광수 대표 (2부)

● Aging: Avoid These 3 Phrases

Boasting, Sowing Discord, Criticizing: Core Insights to Truly Break Down Relationships and Life Value

[1] Problems with Boasting, Sowing Discord, Criticizing – Why They Are Immediately Unpleasant

You know how boasting, sowing discord, and criticizing can ruin the mood with just a few words, right?
As you get older, you have to pay the real price of life, and these actions are something you don't want to do, as they make you look bad to others while you can't even manage yourself.
When you boast, you should at least treat someone to a meal, but it's really bad to not pay a dime and bring friends around, relying on my money.
These actions are not just mere boasting but factors that destroy trust between people and ultimately waste money and life.

[2] Age and Character – The Real Assets Left by Time

People who are successful in life as they get older mostly have amazing character.
To have properly paid the price of time means that you not only have self-satisfaction but also have a positive emotional state that allows you to give to others.
Having a positive emotional state and generosity is a plus in business, family relationships, and even economic situations (economy, global, outlook).
Especially in an unstable world like inflation or the financial market, this kind of character is a real weapon.

[3] The Impact of Negative Words and Actions on Relationships – Ultimately Becoming Spears and Knives

Too much boasting can easily hurt friends, and boasting about children can especially touch the other person's pain.
Sowing discord is a malicious act that turns even good people into enemies, shattering healthy communities.
Criticizing, even if it seems like advice on the surface, actually undermines the other person's self-esteem because of the aggressive tone.
In the end, each of these words accumulates negative energy in relationships and life as a whole.

[4] The Importance of Choosing Human Relationships and Warnings of Fraud and Exploiters – Distinguishing Friends is Essential

It's naturally good to have many friends, but you have to distinguish between true friends and those who are not.
In particular, scammers or gaslighters try to exploit my warm heart to extract money or emotional exploitation.
Those who buy meals and don't pay a dime while trying to manipulate people around them are best kept at a distance.
Healthy human relationships ultimately become the foundation for helping each other and enriching life.

Clothing is not just about covering the body but an important means of expressing one's identity and social image.
If you dress neatly and well, you won't be looked down upon, but if you come out shabbily, you will inevitably be the target of glares.
This becomes the first line of defense to protect yourself in a constantly changing world like the economic situation (economy, global, outlook) or the financial market.
In other words, even clothing is a matter directly related to your life value and character.

[6] Life After Retirement and the Preciousness of Time – Enjoy Today Without Regret

Life after retirement can be a time of regret rather than a new beginning.
The growth process of children, precious memories with family, and healthy relationships with friends are ultimately the value of life.
The time spent with family after coming home from work is the reward for a life that has been unexpectedly busy.
So, it's important to talk sincerely with the people next to you right now and enjoy today while eating delicious food.

Summary

Negative behaviors such as boasting, sowing discord, and criticizing are major factors that undermine relationships and life value.
As you get older, you have to pay the real price of life, and character and positive emotions are the foundation for that.
Inappropriate words and actions ultimately have a negative impact on family, friends, and society as a whole, and it is essential to distance yourself from people like scammers or exploiters.
Also, external appearances such as clothes and fashion are means of self-defense and means of expressing social image.
Finally, to live a life without regrets after retirement, it is important to cherish today and maintain warm relationships with the people around you.

*YouTube Source: [머니인사이드]

– “친구 다 떠나갑니다” 나이 들수록 가장 추해보이는 3가지 말 (이호선 교수 4부)