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최근 자료에 따르면, Fix‑N‑Flip 시장이 확실히 둔화되고 있습니다. 특히 2025년 2분기에 활동하는 투자자들의 판매 실적이 전년 동기 대비 눈에 띄게 저조한 것으로 나타났습니다. Fix-N-Flip 시장의 둔화 원인 금리 및 경제 불확실성 이 투자자들의 구매 심리를 위축시키고 있습니다. 건축 자재 가격 상승 및 인건비 증가 도 수익성을 압박하고 있습니다. 일부 시장에서는  보험료 상승과 기후 리스크 가 추가 부담으로 작용하고 있습니다. 예컨대 플로리다, 캘리포니아, 남서부 지역에서는 이런 요소들이 판매 둔화를 더욱 심화시키는 요인으로 꼽히고 있습니다. 셀러에게 주는 시사점 Fix‑N‑Flip 투자자가 줄어들면서 현금 오퍼 가능한 구매자층이 축소되고 있어, 기존 셀러가 매도처를 찾는 데 시간이 더 필요해질 수 있습니다. 또한, 예전처럼 과거 고점을 기준으로 기대 가격을 설정하면 매물이 시장에 오래 머무를 수 있으므로, 시세에 맞춘 현실적인 가격 전략이 필요합니다. 하지만 전국적 흐름에도 불구하고,  시카고 교외의 한인 선호 지역과 우수학군 지역 은 여전히 강한 셀러 마켓을 형성하고 있습니다. 이런 지역에서는 여전히 수요가 높고 매물이 나오면 빠르게 거래되는 특징이 있어,  전략적 접근을 통해 뛰어난 기회를 잡을 수 있습니다. 매력적인 매물로 만들기 위한 전략 리노베이션 비용과 예상 시세를 명확하게 제시 하여 바이어가 투자 가치를 쉽게 판단하도록 돕습니다. 사전 점검(Pre‑list Inspection) 과 “as‑is” 상태의 솔직한 공개는 바이어의 신뢰를 얻고 협상을 부드럽게 만듭니다. 투자자 네트워크 활용 : 현지 투자자 그룹과 협업하거나 “deal alert”, “bring the toolbox” 같은 키워드를 활용해 매물 노출을 극대화합니다. DIY 바이어를 위한 포인트 강조 : 집의 ‘가능성’을 중점적으로 어필하면 바이어가 미래의 변화를 상상하며 더 빠르게 움직일 수 있습니다. 시카고 지역의 시장 상황도 함께 고려해야 합니다 Illinois Realtors 자료에 따르면, 시카고 메트로 지역은  2025년 2월 기준 단독주택 가격이 전년 대비 7.5% 상승했고, 재고는 여전히 역사적으로 낮은 수준 입니다. 또한, 판매까지 걸리는 기간은 줄고 있어 수요 자체는 안정적입니다. 이 상황은 Fix-N-Flip 시장과 일반 주택 시장 모두에 영향을 미치므로, 단순히 투자자 수요를 기준으로 판단하지 않고  지역별로 세심하게 접근 하는 것이 중요함을 시사합니다. 결론 Fix-N-Flip 시장의 둔화가 위기로 보일 수도 있지만, 오히려 현명하게 접근하면 가장 유리한 시장 조건일 수 있습니다. 특히 시카고 교외의 인기 지역은 여전히 수요가 탄탄하며,  정확한 가격 책정과 디테일한 준비 로 리모델링 바이어뿐 아니라 일반 바이어까지 매력을 느끼게 할 수 있습니다. 주택 매도를 준비 중이시거나 매물 전략에 고민이 있다면, 지금 바로 상담해보시기 바랍니다. ‘시카고 복덕방 한상철’ 773-717-2227,  ChicagoBDB@gmail.com

Recent data shows that the  Fix-and-Flip market has noticeably slowed . In Q2 2025, investor sales activity dropped significantly compared to the same period last year. ⚠️  Why the Fix-and-Flip Market Is Slowing Interest rates and economic uncertainty  are cooling investor demand. Rising  construction material costs and labor expenses  are squeezing profit margins. In some regions,  insurance hikes and climate risks  are adding further pressure — especially in Florida, California, and the Southwest. 💡  What This Means for Sellers With fewer Fix-and-Flip investors in the market, the pool of  all-cash buyers  has shrunk. This means: Homes may take longer to sell. Sellers who price based on past market peaks risk having listings sit unsold. A  realistic, market-aligned pricing strategy  is essential. But despite the national slowdown,  Chicago suburbs — especially Korean-preferred neighborhoods and top school districts — remain strong seller’s markets.  Demand is still high, and good homes sell quickly with the right strategy. 🛠️  Strategies to Make Your Listing Stand Out Show clear numbers:  Provide renovation costs and after-repair value so buyers see the investment potential. Pre-list inspection + honest “as-is” disclosure  builds buyer trust and eases negotiations. Tap into investor networks:  Use groups and keywords like  “deal alert”  or  “bring the toolbox”  to attract local flippers. Appeal to DIY buyers:  Highlight the home’s  future potential , helping buyers visualize upgrades and motivating quicker action. 📍  Chicago Market Context According to Illinois Realtors, as of February 2025: Single-family home prices in the Chicago metro area are  up 7.5% year-over-year . Inventory remains  historically low . Days-on-market have shortened, signaling  stable demand . This means sellers must look beyond investor activity alone and carefully consider  local market dynamics . ✅  Conclusion While the Fix-and-Flip slowdown may look like a challenge, it’s actually an  opportunity for smart sellers . In Chicago’s popular suburbs, demand remains strong. With  accurate pricing and detailed preparation , homes can attract not just investors but also end-users looking for a place to call home. 👉 If you’re planning to sell or want to refine your listing strategy, now is the time to act. Chicago Realty – Hansang Chul 📞 773-717-2227 📧  ChicagoBDB@gmail.com

최근 온라인에서 신규 주택 공급이 2008년 금융위기 이후 가장 높은 수준에 도달했다는 이야기를 보신 분들이 많으실 겁니다. 과거의 기억 때문에 다시 위기가 오는 것 아니냐는 불안이 생길 수 있지만, 실제 데이터를 보면 상황은 완전히 다릅니다.   이번 상황이 2008년과 다른 이유 현재 신규 주택 공급이 늘어난 것은 사실이지만, 이는 전체 시장 상황을 온전히 설명하지 못합니다. 시장의 재고를 제대로 이해하려면 신규 주택뿐 아니라 기존 주택 재고까지 함께 봐야 합니다. 두 데이터를 합쳐서 보면 지금의 공급 상황은 2008년 당시의 공급 과잉과는 큰 차이가 있습니다. 즉, 단순히 신규 주택 공급만 보고 위기라고 단정할 수는 없습니다. 15년 넘는 기간 동안 이어진 공급 부족 2008년 위기 이후 주택 건설업계는 긴 기간 동안 신규 공급을 줄여왔습니다. 무려 15년 넘게 신규 주택을 충분히 짓지 못하면서 전국적으로 큰 주택 부족 현상이 발생했습니다. 최근 들어 건설량이 조금씩 회복되고 있지만, 여전히 격차를 메우려면 최소 7년 이상은 걸릴 것이라는 분석이 있습니다. 이 말은 지금의 신규 공급 증가가 단기적인 과잉이 아니라, 오히려 오랫동안 부족했던 공급을 조금씩 해소하는 과정이라는 의미입니다. 지역별로 상황은 다릅니다 전국 평균으로 보면 공급 부족 현상이 여전하지만, 지역별로는 차이가 있습니다. 일부 지역에서는 재고가 다소 늘어났지만, 시카고 교외의 학군 좋은 지역이나 한인들이 선호하는 서버브는 여전히 재고가 부족하고 셀러마켓이 유지되고 있습니다. 이런 지역에서는 좋은 매물이 나오면 여전히 빠르게 팔리고 있어, 바이어는 기다리기보다는 기회를 잡는 것이 유리합니다. 결론 신규 주택 공급이 늘어나고 있다는 사실만으로 2008년과 같은 위기를 걱정하실 필요는 없습니다. 전국적으로는 여전히 공급 부족 상황이고, 특히 시카고 서버브 인기 지역은 매물이 나오자마자 거래가 성사되는 경우가 많습니다. 지금은 불안감을 키울 때가 아니라 전문가와 함께 시장 기회를 확인하고 움직여야 할 시기입니다. 시카고 복덕방 한상철 📞 773-717-2227 📧  ChicagoBDB@gmail.com

Lately, you may have seen headlines saying that new home supply has reached its highest level since the 2008 financial crisis. Understandably, this brings concern — could another crisis be on the way? But the data tells a very different story. 📊  Why This Is Not 2008 It’s true that new home supply has increased, but that doesn’t tell the whole picture. To fully understand inventory, we need to look at both  new homes and existing homes . When combined, today’s overall housing supply is nowhere near the oversupply levels of 2008. In other words, higher new construction numbers alone do not mean we’re headed for another housing crash. 🏗️  15+ Years of Underbuilding Since the 2008 crash, homebuilders significantly cut back production. For  over 15 years , the U.S. has faced a chronic housing shortage. While construction has recently picked up, experts estimate it will take at least  seven more years  to close the supply gap. This means today’s increase in new housing is not an oversupply — it’s simply the beginning of catching up after years of shortage. 📍  Local Market Differences Nationally, housing inventory is still tight. Some regions have seen modest increases in supply, but in areas like  Chicago suburbs with top-rated schools and strong Korean communities , inventory remains low. Homes in these areas continue to sell quickly once they hit the market. For buyers, waiting often means missing opportunities. ✅  Conclusion Don’t let headlines about new housing supply fuel unnecessary fear. The market today is  very different from 2008 . Nationwide we still face a housing shortage, and in popular Chicago suburbs, it’s still a  seller’s market . Now is the time to explore opportunities with an expert, not sit on the sidelines. Chicago Realty – Hansang Chul 📞 773-717-2227 📧  ChicagoBDB@gmail.com

이번 주 30년 고정 모기지 금리가 6.58%로 유지되면서, 지난해 10월 이후 가장 낮은 수준을 기록했습니다. 불과 2주 전 6.63%였던 것을 감안하면 소폭의 하락이지만, 바이어에게는 의미 있는 변화입니다. 그렇다면 이번 금리 변화가 실제로 월별 주택 대출 상환액에 어떤 영향을 줄까요? 월별 모기지 비용 비교 리얼터닷컴의 계산에 따르면, 중간 주택 가격인 약 439,450달러 주택을 20% 다운페이먼트로 구입할 경우, 현재 6.58% 금리 기준 월 상환액은 약 2,241달러입니다. 지난주 6.63% 금리로는 2,254달러였으니, 매달 12달러를 절약할 수 있는 셈입니다. 이 차이는 작아 보일 수 있지만, 지난해 10월 금리가 7.79%까지 치솟았을 때를 생각하면 상황은 완전히 달라집니다. 당시에는 같은 주택을 구입할 경우 월 2,537달러를 부담해야 했습니다. 지금은 매달 296달러, 연간으로는 약 3,552달러를 절약할 수 있습니다. FHA 대출 기준에서는 더 큰 차이 만약 FHA 대출을 이용해 3.5%만 다운페이먼트를 한다면 어떨까요? 현재 6.58% 금리 기준으로는 월 2,670달러 수준입니다. 지난주보다 14달러 낮아졌고, 2023년 10월 금리 피크 시점과 비교하면 매달 390달러를 절약할 수 있습니다. 장기적으로는 10만 달러 이상 차이 모기지는 30년 장기 대출입니다. 그렇기 때문에 월 단위의 작은 차이가 결국 수십 년 동안 엄청난 금액의 차이를 만들어냅니다. 예를 들어 20% 다운페이먼트로 현재 6.58% 금리에서 주택을 구입한다면, 총 상환액은 약 807,004달러입니다. 반면 7.79% 금리에서 동일한 주택을 구입했다면 910,204달러를 지불해야 했습니다. 결과적으로 약 103,578달러의 차이가 발생합니다. FHA 대출을 선택할 경우에도 현재 금리로는 972,992달러가 들지만, 지난해 고금리 시기였다면 1,097,933달러였습니다. 무려 124,941달러의 차이가 나는 셈입니다. 시카고 지역 시장 맥락 이러한 금리 하락은 시카고 및 서버브 시장에도 긍정적인 영향을 주고 있습니다. 전국적으로 매물은 늘고 있지만, 한인 선호 지역이나 학군이 좋은 서버브 지역은 여전히 매물이 부족합니다. 이 때문에 좋은 조건의 집은 시장에 나오자마자 빠르게 팔리고 있습니다. 지금은 금리 부담이 줄어든 상황에서 기회를 선점할 수 있는 중요한 시기라고 할 수 있습니다. 결론 이번 금리 하락은 단순한 수치 이상의 의미가 있습니다. 바이어에게는 매달 수백 달러, 장기적으로는 수십만 달러의 차이를 만들어 주기 때문입니다. 또한 시카고 교외 인기 지역은 여전히 셀러마켓이 유지되고 있어, 망설이다가는 좋은 매물을 놓칠 수 있습니다. 지금이야말로 전문가와 상담하며 전략적으로 움직일 시점입니다. 시카고 복덕방 한상철 📞 773-717-2227 📧  ChicagoBDB@gmail.com

This week, the 30-year fixed mortgage rate held steady at 6.58% , the lowest level since October last year. Just two weeks ago, it was 6.63%, so the drop is small, but it’s still meaningful for today’s buyers. So what does this rate shift actually mean for your monthly mortgage payment? 📊 Monthly Mortgage Payment Comparison According to Realtor.com , if you buy a median-priced home of about $439,450 with a 20% down payment: At today’s 6.58% rate , your monthly payment would be about $2,241 . At last week’s 6.63% rate , it would have been $2,254 — that’s $12 saved per month. It may sound small, but compared to last October’s peak of 7.79% , the difference is dramatic. Back then, the same house would have cost $2,537/month . That’s $296 less each month now — or about $3,552 saved per year . 🏦 FHA Loan Savings If you use an FHA loan with just 3.5% down : At today’s 6.58%, the monthly payment is about $2,670 . That’s $14 less than last week, and $390 less per month compared to October’s 7.79% peak. 💰 Long-Term Impact – Over $100,000 Difference A mortgage is a 30-year commitment, and small monthly changes add up to huge lifetime savings. Conventional loan, 20% down: At 6.58% → Total repayment about $807,004 . At 7.79% → Total repayment about $910,204 . Savings: $103,578. FHA loan, 3.5% down: At 6.58% → Total repayment about $972,992 . At 7.79% → Total repayment about $1,097,933 . Savings: $124,941. 🏘️ Chicago Market Context This rate drop is also boosting momentum in Chicago and suburban markets. Nationwide, housing inventory is increasing, but in Korean-preferred neighborhoods and top school districts, homes remain scarce. Desirable listings are still selling quickly. With rates easing, now is a critical time to seize opportunities before the best homes are gone. ✅ Conclusion This mortgage rate drop isn’t just a number — it translates into hundreds of dollars per month and over $100,000 across 30 years . In Chicago’s popular suburban areas, the market remains a seller’s market, and hesitation could mean missing out on the right home. 👉 Now is the time to consult with an expert and move strategically. Chicago Realty – Hansang Chul 📞 773-717-2227 📧 ChicagoBDB@gmail.com

최근 몇 년간 주택을 사려던 분들이 가장 걱정했던 것 중 하나는 바로 ‘바이어 간의 치열한 경쟁’, 즉  Bidding War 였습니다. 원하는 집에 여러 명이 동시에 오퍼를 넣고, 그 과정에서 가격이 치솟으며 경쟁이 심화되는 상황이 흔했기 때문입니다. 하지만 지금 시장은 예전과는 다릅니다. 전국적으로 살펴보면, 최근 데이터에 따르면 2025년 6월 기준 주택의 약 20%만이 복수 오퍼를 받았다고 합니다. 이는 불과 1년 전 31%에서 크게 줄어든 것이고, 2023년 39%와 비교하면 절반 수준으로 떨어진 수치입니다. 다시 말해, 경쟁이 크게 완화되었고 바이어들이 숨을 고를 수 있는 시장이 되었다는 의미입니다. 지역별로 다른 경쟁 상황 물론, 전국 평균만 보고 판단할 수는 없습니다. 지역별 상황을 보면 큰 차이가 있습니다. 예를 들어 북동부 지역은 여전히 약 34%의 매물이 복수 오퍼를 받고 있습니다. 반대로 남동부 지역은 6%에 불과해 경쟁이 사실상 거의 없는 상황입니다. 이 차이는 결국 인벤토리(매물 수)의 차이에서 비롯됩니다. 매물이 부족한 곳에서는 여전히 바이어들이 몰리며 경쟁이 발생합니다. 반대로 매물이 많은 지역에서는 선택지가 넓어져 가격 협상 여지가 커지고, 복수 오퍼도 줄어드는 것입니다. 특히 시카고 서버브 한인 선호 지역의 경우 여전히 매물이 부족해 좋은 매물은 시장에 나오자마자 빠르게 팔리고 있습니다. 따라서 전국적으로 경쟁이 완화되었다고 해도, 시카고 교외의 인기 학군 지역처럼 특정 지역은 여전히 셀러마켓이라는 점을 반드시 고려하셔야 합니다. 셀러들의 양보 증가 또 다른 중요한 변화는 셀러들의 태도입니다. 최근 Redfin 자료에 따르면 전체 셀러의 절반 가까이가 바이어를 유치하기 위해 클로징 비용을 대신 부담하거나 가격을 인하하는 등의 양보를 하고 있다고 합니다. 몇 년 전 치열했던 시장에서는 상상하기 어려운 상황입니다. 이제 바이어들은 집을 살 때 협상력을 가질 수 있으며, 무리한 조건을 감수하지 않아도 되는 시장이 만들어지고 있습니다. 하지만 이 역시 지역별로 차이가 크기 때문에, 반드시 경험 있는 지역 전문가의 안내가 필요합니다. 결론 만약 아직도 “혹시 경쟁 때문에 내가 원하는 집을 못 사지 않을까” 하는 두려움이 있으시다면, 지금이 다시 시장을 살펴볼 시기입니다. 전국적으로 경쟁은 줄어들고 있고, 일부 지역에서는 바이어에게 유리한 환경이 조성되고 있습니다. 다만, 시카고 교외의 인기 지역처럼 여전히 셀러마켓인 곳도 많기 때문에, 구체적인 전략은 반드시 지역 전문가와 상의하셔야 합니다. 지금이 바로 숨 고르며 원하는 집을 찾을 수 있는 기회일 수 있습니다. 주저하지 마시고 전문가와 상의해 보시기 바랍니다. 시카고 복덕방 한상철 📞 773-717-2227 📧  ChicagoBDB@gmail.com

For the past few years, one of the biggest fears buyers had when shopping for a home was the intense bidding wars. Multiple offers, skyrocketing prices, and high-stress negotiations made the process overwhelming. But today’s market looks different. 📉  National Competition Has Declined As of June 2025, only about  20% of homes nationwide received multiple offers . That’s a steep drop from 31% just a year ago, and nearly half the rate of 2023 (39%). This shift means less pressure, fewer bidding wars, and more breathing room for buyers to make thoughtful decisions. 📍  Regional Differences Still Matter Competition isn’t uniform. In the  Northeast , around 34% of homes still see multiple offers, while in the  Southeast , the rate is as low as 6%. The main factor?  Inventory.  Areas with tight supply still generate competition, while markets with more listings give buyers greater choice and negotiating power. In the  Chicago suburbs , especially in top school districts and neighborhoods favored by Korean families, inventory is still limited. That means desirable homes can sell quickly—even while national competition is easing. 🤝  More Seller Concessions Another shift is that sellers are more willing to compromise. According to Redfin, nearly half of sellers are now offering concessions, such as covering closing costs or lowering prices—something rare during the peak of competition. This gives buyers stronger negotiating leverage. ✅  Bottom Line If fear of bidding wars has kept you from entering the market, now may be the time to take another look. Competition is down nationally, and in many regions buyers hold more power than in recent years. Still, in hot suburban areas like parts of Chicago, it remains a seller’s market—so local expertise and strategy are essential. 📍  Chicago Realty – Hans Chul 📱 773-717-2227📧  ChicagoBDB@gmail.com

몇 년 전 집을 사시려 했던 분들이라면 아직도 그때의 치열함을 기억하실 겁니다. 하루 만에 집이 팔리고, 심지어 몇 시간 안에 거래가 성사되던 시기였습니다. 조금이라도 망설이면 바로 다른 바이어가 계약을 잡아가곤 했습니다. 그만큼 긴장감이 높고 혼란스러웠으며, 많은 분들이 좌절을 경험하기도 했습니다. 하지만 지금은 상황이 달라졌습니다. 전국적인 변화: 평균 58일의 여유 최근 데이터에 따르면, 현재 주택이 시장에 머무는 기간은 평균 58일 정도입니다. 팬데믹 당시 몇 일 만에 거래되던 시기와 비교하면 훨씬 정상적인 수준으로 돌아온 것입니다. 이는 바이어 입장에서 큰 의미가 있습니다. 집을 보러 다니며 생각할 시간, 협상할 시간, 더 현명하게 결정을 내릴 시간이 생긴 것입니다. 즉, 예전처럼 두려움 때문에 서둘러 계약을 맺을 필요가 줄어들었고, 바이어가 주도권을 조금 더 가질 수 있는 여건이 마련된 것입니다. 지역별 차이: 시카고 교외는 여전히 셀러의 시장 하지만 여기서 중요한 점이 있습니다. 전국 평균은 시장의 큰 그림일 뿐, 실제 체감 속도는 지역마다 다르다는 것입니다. Realtor.com 역시 전국적인 헤드라인만으로 바이어 마켓을 단정할 수 없다고 설명하며, 각 지역과 가격대, 주택 유형에 따라 상황이 크게 달라진다고 강조했습니다. 특히 시카고 교외 지역 중 한인 커뮤니티에서 인기가 높은 학군 좋은 지역이나 교통이 편리한 동네들은 여전히 셀러 마켓입니다. 이 지역들에서는 좋은 매물이 나오면 여전히 빠르게 거래되고 있습니다. 바이어가 조금만 늦어도 바로 다른 이에게 넘어가는 경우가 많습니다. 즉, 전체적으로 시장의 속도는 완화되었지만, 시카고 교외의 핵심 지역은 여전히 치열하다는 뜻입니다. 바이어와 셀러 모두 기회를 잡아야 합니다 바이어에게는 지금이 숨을 고르고 선택할 수 있는 드문 기회입니다. 하지만 인기 지역에서 원하는 집을 찾으신다면, 빠른 결정이 여전히 필요합니다. 반대로 셀러 입장에서는 전국적으로 거래 속도가 느려졌다는 뉴스에 안심할 것이 아니라, 특정 지역에서는 여전히 높은 수요가 있다는 점을 이해해야 합니다. 잘 준비된 매물은 지금도 빠르게, 좋은 조건으로 팔리고 있습니다. 결론 시장은 전국적으로는 여유를 찾고 있지만, 시카고 교외의 한인 선호 지역은 여전히 활발합니다. 바이어라면 지금이 다시 움직일 좋은 타이밍이고, 셀러라면 시장의 흐름을 활용해 최적의 조건으로 거래할 기회를 잡으셔야 합니다. 시카고 교외의 실제 시장 상황이 궁금하시다면 지금 바로 상담해 보시기 바랍니다. ‘시카고 복덕방 한상철’ 773-717-2227,  ChicagoBDB@gmail.com

If you tried buying a home a few years ago, you probably remember the frenzy. Homes were selling within a day—or even just a few hours. If you hesitated, another buyer would snatch it up. The atmosphere was tense, chaotic, and discouraging for many. But now, the market looks different. ⏳ National Shift: Average of 58 Days on Market Recent data shows that the average home now sits on the market for about 58 days . Compared to the pandemic era, when homes disappeared in just days, this is a return to a more balanced pace. For buyers, this means something important: time . Time to view homes, compare, negotiate, and make more thoughtful decisions. Buyers don’t have to rush into contracts out of fear like before. 📍 Local Reality: Chicago Suburbs Still Favor Sellers Of course, national averages don’t tell the whole story. Realtor.com points out that market dynamics differ greatly by region, price range, and property type. In the Chicago suburbs—especially in areas with strong schools and convenient commutes —demand remains high. In these neighborhoods, good homes are still selling quickly, sometimes with multiple offers. In other words, while the market has cooled overall, core suburban areas are still competitive . ⚖️ Opportunities for Both Buyers and Sellers For Buyers: Now is a rare chance to slow down, weigh options, and negotiate more effectively. But in hot suburban areas, speed still matters—delays can cost you the home you want. For Sellers: Don’t assume slower national averages mean no demand. Well-prepared homes in the right neighborhoods are still moving fast and selling at strong prices. ✅ Bottom Line Nationally, the market has eased, giving buyers more space. But in the Chicago suburbs, especially in Korean-preferred communities with top schools, demand remains strong. Buyers: now may be the time to re-enter the market. Sellers: act strategically, and you can still sell quickly and advantageously. 📍 Chicago Realty – Hans Chul 📱 773-717-2227 📧 ChicagoBDB@gmail.com

부모님이 오래 사시던 집을 매각하게 되면, 가족에게는 단순한 부동산 거래 이상의 의미가 있습니다. 추억이 담긴 공간을 떠나야 하는 아쉬움이 따르기도 하지만, 동시에 현실적으로는 큰 규모의 자산 이동이 발생합니다. 특히 부모님의 집 매각 대금은 많은 가정에서 가장 큰 유동성 자금이 되며, 이는 자녀 세대의 주택 구매나 생활 기반 마련과도 연결될 수 있습니다. 최근 데이터를 보면 부모로부터 주택 구매 자금을 지원받는 비율이 꾸준히 증가하고 있습니다. 베이비붐 세대의 경우 약 11%가 부모의 도움을 받았던 것에 비해, 밀레니얼 세대는 27%, Z세대는 49%가 지원을 받은 것으로 나타났습니다. 이는 미국 전역에서 부모 세대가 자녀 세대의 주택 구매를 돕는 일이 점점 흔해지고 있음을 보여줍니다. 하지만 오늘날의 부동산 시장은 단순하지 않습니다. 금리는 여전히 높은 수준이고, 장기간 보유한 주택들은 크게 가치가 상승해 세금 문제까지 얽히는 경우가 많습니다. 따라서 부모님과의 대화는 단순한 금전 문제가 아니라, 미래 계획과 상속, 그리고 가족 간의 신뢰와 직결됩니다. 부모님의 재정적 안정을 먼저 확인해야 합니다 재정 전문가들은 부모님의 노후 자금이 안정적으로 확보되지 않은 상태에서 자녀에게 자금을 지원하는 것은 바람직하지 않다고 말합니다. 부모님의 재정이 탄탄해야만 자녀 세대가 장기적으로도 부담을 덜 수 있기 때문입니다. 또한 현금 증여는 단순히 세금 문제로 끝나지 않습니다. 일정 규모 이상을 자녀에게 증여할 경우, 향후 정부 보조금이나 의료 지원 자격에 영향을 줄 수도 있습니다. 따라서 자녀 세대는 부모님의 지원을 당연하게 여기기보다는, 스스로 마련한 자금에 부모님의 도움을 추가적인 보너스로 생각하는 태도가 필요합니다. 세금과 증여 전략 이해하기 만약 부모님이 집 매각 대금을 자녀에게 지원하고자 한다면, 효율적인 방법을 고민해야 합니다. 2025년 기준, 부모는 자녀 1명에게 연간 최대 19,000달러까지 세금 보고 없이 증여할 수 있습니다. 부부인 부모가 부부인 자녀에게 증여한다면 최대 76,000달러까지 가능하다는 뜻입니다. 이 금액을 초과한다고 해서 곧바로 세금이 부과되는 것은 아니지만, 증여세 신고 의무가 생기고 평생 면제 한도액에서 차감됩니다. 또 다른 방법으로는 가족 간 대출을 설정하는 방식이 있습니다. 이 경우에도 IRS가 정한 최소 이자율을 적용해야 하며, 시간이 지나면서 일부를 탕감해 사실상 증여로 전환하는 전략도 가능합니다. 자녀가 부모님의 집을 직접 원한다면 만약 부모님의 집이 아직 팔리지 않았다면, 자녀가 직접 구매하거나 공동 소유하는 방법도 고려할 수 있습니다. 가족 간 장기 대출을 통해 점진적으로 매입하거나, 할인된 가격으로 매수 후 차액을 증여로 처리하는 방법도 있습니다. 심지어 가족 LLC를 설립해 공동 소유 형태로 임대 수익을 함께 나누는 사례도 늘고 있습니다. 다만 이미 매각이 완료된 경우에는 상속세 혜택인 ‘step-up basis(사망 시점의 시가 기준으로 과세 평가액이 리셋되는 제도)’를 누릴 수 없기 때문에, 현금 유동성을 지금 활용할지 아니면 미래 상속으로 남겨둘지를 신중히 따져야 합니다. 대화는 반드시 필요합니다 부모님과 자녀 간의 재정 대화는 민감하지만 피할 수 없습니다. 재정 전문가들은 이 대화를 요구로 시작하기보다, 장기적인 목표와 상호 지원이라는 틀에서 시작하는 것이 좋다고 조언합니다. 부모님의 안정을 최우선으로 하면서, 자녀가 미래를 준비하는 과정에서 어떤 방식으로 협력할 수 있을지를 자연스럽게 이야기하는 것이 핵심입니다. 시카고 지역 맥락 이 모든 이야기는 미국 전반적인 흐름에서 나온 것입니다. 그러나 지역마다 부동산 시장 상황은 다를 수밖에 없습니다. 제가 활동하고 있는 시카고 서버브 지역만 보더라도, 특히 학교가 좋은 지역은 여전히 매물이 부족한 상태입니다. 이런 지역에서는 부모님의 자산 지원이 자녀의 주택 구매 결정 속도를 앞당기는 데 큰 도움이 될 수 있습니다. 결론 부모님의 집 매각은 단순한 자산 이전이 아니라 가족의 미래를 함께 설계할 기회가 될 수 있습니다. 지금부터 부모님과 솔직한 대화를 시작하시고, 전문가와 함께 효율적인 증여·구매 전략을 세워보시길 권해드립니다. 가족의 부동산 계획을 세우고 싶으시다면 지금 바로 상담해 보시기 바랍니다. ‘시카고 복덕방 한상철’ 773-717-2227,  ChicagoBDB@gmail.com

When parents sell the home they’ve lived in for many years, it’s more than a real estate transaction—it’s often a major turning point for the family. Beyond the emotional memories tied to the house, the sale usually results in a  large transfer of wealth . In many families, this becomes the biggest source of liquidity, and it can play a role in helping the next generation with home purchases or long-term financial stability. Recent data shows this is becoming more common. While only about  11% of Baby Boomers  received help from parents when buying a home, the number jumps to  27% for Millennials  and  49% for Gen Z . Across the U.S., parental financial support is becoming a significant factor in homeownership for younger generations. 🔑  First Priority: Parents’ Financial Stability Financial planners caution that children should not expect parents to fund their home purchase unless parents’ retirement and long-term care needs are fully secured. If parents give away too much too soon, it can backfire later, leading to greater stress on both generations. It’s also important to remember that gifts of money affect more than taxes—they may impact eligibility for certain government benefits or healthcare programs. For children, it’s healthiest to treat parental support as a  bonus , not the foundation of their financial plan. 💵  Understanding Tax & Gift Strategies As of 2025, parents can give  up to $19,000 per child per year  without triggering reporting. For a married couple gifting to a married child and spouse, that’s up to  $76,000 annually . Larger gifts don’t automatically trigger taxes, but they require filing a gift tax return and reduce the parents’ lifetime exemption. Another option: setting up  intra-family loans  with IRS-approved minimum interest rates, sometimes later forgiven in part as gifts. 🏠  If Children Want the Parents’ Home If the home hasn’t been sold yet, children may consider purchasing directly, co-owning, or even creating a family LLC to manage the property and share rental income. Once the home is sold, however, the  “step-up basis” tax benefit  available through inheritance is no longer an option, so families need to carefully weigh whether to use the cash proceeds now or preserve assets for future estate planning. 🗣️  Conversations Are Essential Financial discussions between parents and children can feel awkward, but they are necessary. Experts recommend starting with shared goals—ensuring parents’ financial security first, then exploring ways support might help the children’s future. Framing it as  mutual planning rather than a demand  builds trust and reduces conflict. 📍  Chicago Context In the Chicago suburbs, especially in top school districts, inventory remains low. Having access to parental financial support can make the difference between waiting years and moving forward with a purchase now. For many families, this kind of planning helps the next generation act quickly when the right home becomes available. ✅  Bottom Line The sale of a parent’s home isn’t just about letting go of a property—it’s a chance for families to thoughtfully plan their financial future together. By combining open communication with smart tax and gift strategies, families can preserve stability for parents while helping children prepare for long-term success. 📍  Chicago Realty – Hans Chul 📱 773-717-2227📧  ChicagoBDB@gmail.com