수도권 1주택자, ‘구입 뒤 거주’ 기록 없으면 전세대출 못 받는다

Starting next year, first-time homebuyers in the Seoul metropolitan area who have never lived in the property they purchased will be unable to obtain a second loan. The primary goal is to curb 'gap investing' or speculative purchases. According to the 'Financing Market Stability Comprehensive Policy' announced by the Financial Committee on the 13th, starting next January, 'speculative' one-family home owners who do not live in the property will have restricted mortgage guarantees.

Without guarantees, mortgage options effectively disappear, as banks do not handle such cases. New loans and loan extensions will also be subject to the same regulations. Previously, mortgage guarantees were limited to multi-homeowners and those purchasing in designated investment or hot zones within the Seoul metropolitan area.

However, this regulation applies to first-time homebuyers who own a property in the Seoul metropolitan area or regulated regions, have lived in it themselves or through a family member, or who do not have such a rental history. The purpose is to specifically target 'gap investing' where a third party benefits from a rental guarantee.

Financial Committee Chairman Jeon Hang-kwon clarified that "as long as the property changes hands (for a different owner), the regulation does not apply." Exemptions apply to cases where rental avoidance is unavoidable. Most rental avoidance cases will likely be exempt from the regulation. Compared to the previous level of regulation, the scope of the current policy is narrower.

The Finance Ministry's 3rd budget proposal in March indicated that the tax reform plan allows rental avoidance to be recognized for up to 3 years, a significant difference from the current policy. This led to concerns about potential 'game-playing' tactics, to which financial committee officials responded, "A property owner would have to get landlord consent, which would also violate the residency registration law," emphasizing that "the individual bears legal liability."

Additionally, the mortgage guarantee rate (80% for Seoul and regulated areas, 90% otherwise) will decrease next year for first-time homebuyers in the Seoul metropolitan area to 70% and 80% elsewhere.