낮아진 모기지 금리 — ‘저금리 효과’가 다시 움직인다 최근 보고서에 따르면, 미국의 30년 고정 모기지 금리가 과거 평균보다 약간 낮아진 낮은 6%대가 예상된다는 분석이 나왔습니다.  Zillow Group Investors+2Yahoo Finance+2 이 금리 수준은 집을 구매하려는 분들께는 여전히 도전이 될 수 있지만, 동시에 “예전보다 부담이 약해졌다”는 신호로 해석할 수 있습니다. 즉, 예산과 대출 조건을 다시 계산해본다면, 내 집 마련의 진입 장벽이 조금은 낮아졌다는 것입니다. 매물 공급 증가 + 가격 안정 기대 — 2026년 시장은 ‘균형’ 쪽으로 여러 부동산 전문가들은 2026년 주택 시장이 큰 폭의 상승이나 하락보다는 “조정되고 균형을 찾아가는 흐름”이 될 것이라는 전망을 내놓고 있습니다매물 공급은 점차 늘어나는 추세이며, 가격 상승률도 완만해질 가능성이 크다는 분석입니다. 이는 집을 파실 분에게도, 사실을 고민 중인 분에게도 “

💰  Mortgage Rates Are Easing — The “Low-Rate Effect” Is Back Recent reports from  Zillow Group  and  Yahoo Finance  indicate that the average  30-year fixed mortgage rate  in the U.S. is now hovering in the  low 6% range  — slightly below recent highs. While these rates still present challenges for some buyers, they also signal a turning point: ➡️  The financial pressure of homeownership is beginning to ease. If you revisit your budget and loan qualifications, you might find

최근 새로 지은 주택(new-built home)에 대한 매물과 구매 유인이 예전보다 많이 늘어나고 있다는 평가가 나옵니다. 아래는 “지금이 새집 사기 좋은 시점”이라 평가받는 핵심 이유입니다.  1. 새집 매물이 평소보다 많아 선택 폭이 넓습니다 현재 시장에는 다양한 새집 매물이 예년 대비 많다고 합니다. 이 덕분에 바이어는 커뮤니티, 평면도(layout), 인테리어 스타일, 주택 유형 등 여러 선택지를 놓고 비교하며 결정할 수 있습니다.  그만큼 “내 삶과 조건에 딱 맞는 집”을 고를 가능성이 높아졌습니다. 2. 건설사들이 파격적인 인센티브를 제공 중입니다 새집 구매자들에게 예전보다 파격적인 혜택이 주어지고 있다고 합니다. 집값 인하 클로징 비용 보조 고급 마감·옵션 업그레이드 제공 모기지 이자율 낮추기(buy-down) 제공 등 예를 들어, 일부 건설사는 새집에 대해 설비 업그레이드나 이자율 우대 혜택을 제공함으로써, 예상보다 훨씬 합리적인 

Recent data shows a noticeable rise in both the  availability of new homes  and  buyer incentives  from builders.If you’ve been thinking about a new-construction home, here are four key reasons  why now may be the best moment  to make your move. 1️⃣ More New Homes on the Market = More Choice Inventory for newly built homes is higher than usual, giving buyers a wider range of options. You can now compare: Neighborhoods & communities Floor plans and layouts Interior finishes an

많은 분들이 과거에 3%대 모기지 금리로 집을 장만하셨습니다. 그 금리는 분명 훌륭한 재정 성과였고, 그래서 “더는 이율이 올라간다”는 이유만으로 이사를 망설이시는 분도 많았습니다. 그러나 최근 데이터에 따르면, 이런 ‘락-인(lock-in) 효과’가 서서히 약해지고 있으며, 오히려 많은 집주인이 금리보다 삶의 변화나 현재 집의 ‘적합성’에 집중하며 움직이고 있습니다.  새 직장, 가족 변화, 은퇴 계획, 아이 성장 또는 자녀 독립 등으로 인해 “지금 사는 집이 더 이상 맞지 않는다”고 느끼는 사람들이 늘고 있고, 이런 이유가 결국 낮은 금리 포기의 계기가 되었다는 것입니다.  즉, 수치상의 이점보다 내 삶의 변화가 우선일 수 있고, 지금은 그런 변화를 실행하기에 좋은 시점이라는 판단이 나온 것입니다. 최근 변화: 금리 높아도, 인벤토리와 유연성이 시장을 살리고 있다 최근 조사에서는 미국 내 모기지 대출 중 6% 이상 금리 비율이 10년 만에 최고

Many homeowners locked in  3% mortgage rates  a few years ago — an incredible financial win.That’s why many have hesitated to move, fearing that giving up such a low rate isn’t worth it. But recent data shows that this “ lock-in effect ” is weakening.Instead of focusing on numbers, more homeowners are prioritizing  life changes  and  how well their current home still fits their lifestyle . People are choosing to move because of: A  new job  or career shift Family changes  — m