많은 분들이 정기적으로 점검하지 않는 부분 중 하나가 바로  내 집의 현재 가치와 쌓여온 홈에퀴티(Home Equity) 입니다. 사실 주택은 대부분 가정에서 가장 큰 자산이며, 몇 년 이상 보유했다면 모르는 사이에 큰 부를 쌓아왔을 가능성이 높습니다. 최근 시장 변동에도 불구하고, 상당수의 가정은 여전히 상당한 수준의 에퀴티를 보유하고 있습니다. 홈에퀴티란 무엇인가? 홈에퀴티는 집의 현재 시장 가치에서 남은 모기지 대출금을 뺀 금액을 의미합니다. 예를 들어, 현재 주택의 가치가 50만 달러이고, 남은 대출금이 20만 달러라면 30만 달러의 에퀴티를 보유하고 있는 셈입니다. 최근 Cotality 자료에 따르면, 모기지를 보유한 평균 미국 주택 소유자의 홈에퀴티는 약  30만 2천 달러 에 달한다고 합니다. 왜 지금 에퀴티가 많을까? 주택 가격 상승 효과 연방주택금융청(FHFA)에 따르면 지난 5년간 전국 주택 가격은 약 54% 상승했습니다....

Home equity is the difference between your home’s current market value and the remaining balance on your mortgage.For example: if your home is worth  $500,000  and you still owe  $200,000 , your home equity is  $300,000 . According to recent data from  Cotality , the average U.S. homeowner with a mortgage has about  $302,000 in home equity . Why Homeowners Have Built Significant Equity Home Price Appreciation The  Federal Housing Finance Agency (FHFA)  reports that national

최근 주택시장에서 가장 큰 화두 중 하나는 모기지 금리입니다. 많은 분들이 금리가 오를 때마다 망설이고, 혹시 5%대 초반까지 내려가면 집을 사야겠다고 기다리고 계십니다. 하지만 과연 그 기다림이 실제로 큰 차이를 만들어낼까요? 6%와 5.99%의 실제 차이 전미부동산중개인협회(NAR)는 30년 고정 모기지 금리가 6%까지 내려가면 약 550,000가구가 새로 주택시장에 진입할 수 있다고 분석했습니다. 다시 말해, 5.99%라는 ‘심리적 마지노선’ 은 수많은 대기 수요를 자극할 수 있는 기준선입니다. 그런데 실제 금액으로 환산해 보면 차이는 크지 않습니다. 예를 들어 40만 달러 대출을 받았을 때, 현재 약 6.2% 금리와 5.99% 금리의 월 상환액 차이는 약 50달러 정도입니다. 이는 주말 외식이나 배달 한두 번을 줄이는 수준에 불과합니다. 하지만 금리가 내려가면서 바이어들이 대거 시장에 진입하게 되면 상황은 달라집니다. 경쟁이 치열해지고 매물

One of the biggest topics in today’s housing market is  mortgage rates .Many buyers hesitate every time rates move and say,  “I’ll buy once rates fall into the mid-5% range.” But does waiting for that number actually make a meaningful difference? The Real Difference Between 6% and 5.99% According to the  National Association of Realtors (NAR) , if the 30-year fixed mortgage rate drops to  6% , nearly  550,000 additional households  could re-enter the housing market. That mean

최근 부동산 시장에서는 단순한 계절적 움직임을 넘어서  바이어 수요가 점차 회복되는 신호 가 나타나고 있습니다. 지난 몇 년간 금리 부담 때문에 주춤했던 매수 움직임이 다시 힘을 얻고 있으며, 이는 특히 2026년을 향해 가는 중요한 전환점이 될 수 있습니다.  모기지 금리 하락이 시장을 깨우다 그동안 높은 모기지 금리 탓에 많은 바이어가 관망세를 유지해 왔지만, 최근에는 금리가 낮아지면서  주택담보대출 신청 건수가 올해 들어 가장 높은 수준 으로 증가했습니다. 이처럼 금리가 조정되면서 “지금이 주택 구매 타이밍”이라고 판단하는 바이어들이 다시 시장에 진입하고 있습니다. 이러한 변화는 단순한 일시적 현상이 아니라  지속적인 매수 활동의 회복 신호로 해석할 수 있습니다.   계약 체결(펜딩 세일) 증가 — 실거래로 이어지는 흐름 바이어들이 주택을 찾고 끝까지 거래를 진행하는 것을 보여주는 또 다른 지표는  펜딩 세일(계약 단계에 진입한 거래)  증가

Buyer demand is showing real signs of revival , and this shift isn’t just seasonal. After several years of hesitation driven by high mortgage rates, buyers are officially re-entering the market — and that momentum is expected to continue into 2026. For sellers, this is an important turning point. Mortgage Rate Drops Are Re-Activating Buyers For years, elevated mortgage rates kept many buyers on the sidelines.But recent rate declines have changed the mood dramatically: Mortgag