Search Results

뉴스와 소셜 미디어를 보면 집값 상승의 원인을 대형 투자자 탓으로 돌리는 이야기가 많습니다. 실제로 최근 전국 설문조사에 따르면, 미국인 중 약 48%가 투자자들이 집값을 끌어올린 주범이라고 믿는다고 합니다.   하지만 데이터를 자세히 살펴보면 이 주장은 사실과 거리가 있습니다. 투자자의 실제 영향력은 제한적입니다 물론 일부 지역에서는 투자자들이 일정 부분 시장에 영향을 미치기도 합니다. 그러나 Realtor.com 자료에 따르면 지난해 전체 주택 거래 중 50채 이상 보유한 대형 투자자가 차지한 비율은 고작 2.8%에 불과했습니다. 다시 말해, 약 97%의 주택은 일반적인 바이어와 셀러 사이에서 거래된 것입니다. 즉, 대기업 투자자가 집을 싹쓸이해서 시장을 왜곡한다는 이야기는 과장된 주장에 가깝습니다. 진짜 원인은 공급 부족입니다 집값이 비싼 진짜 이유는 수요에 비해 공급이 턱없이 부족하기 때문입니다. 전미주택건설협회(NAHB)의 로버트 디츠 수석 이코노미스트는 주택 비용을 끌어올린 근본 원인은 투자자가 아니라 주택 재고 부족이라고 설명합니다. 가구 수는 늘어나는데 시장에 나와 있는 주택이 부족하다 보니 경쟁이 치열해지고, 그 결과 집값이 오를 수밖에 없는 것입니다. 결론 투자자 탓이라는 이야기는 쉽게 공감을 얻을 수 있지만, 시장의 본질을 이해하려면 공급과 수요의 균형을 봐야 합니다. 앞으로 신축 주택과 기존 매물이 조금씩 늘어나면서 바이어들의 선택지가 넓어지고, 구매 여건도 지금보다 나아질 가능성이 큽니다. 지금이 바로 시장 상황을 제대로 이해할 수 있는 현지 전문가와 상의할 때입니다. 지역별 데이터와 트렌드를 확인하고 내 집 마련 전략을 세우시길 권해드립니다. 시카고 복덕방 한상철 773-717-2227 ChicagoBDB@gmail.com

If you follow real estate news or social media, you’ve probably heard people say that large investors are driving up home prices. In fact, nearly 48% of Americans believe investors are the main cause of rising housing costs. But the data tells a different story. Investor Impact Is Smaller Than You Think While investors do play a role in certain areas, their overall influence on the housing market is quite limited. According to Realtor.com , large-scale investors (those owning 50 or more properties) accounted for only 2.8% of all home purchases last year .That means roughly 97% of all transactions were between typical buyers and sellers — not corporations. In short, the idea that big investors are “buying up” all the homes and distorting prices is largely exaggerated. The Real Issue: Lack of Supply The true reason behind high home prices is simple — there aren’t enough homes for the number of people who want to buy them .Robert Dietz, chief economist at the National Association of Home Builders (NAHB), explains that the rise in housing costs is mainly due to inventory shortages , not investor activity. As the number of households continues to grow faster than available homes, competition drives prices upward. Bottom Line It’s easy to blame investors, but the real story lies in the supply-and-demand imbalance .As new construction and resale listings gradually increase, buyers will have more options — and affordability should begin to improve. Now is the perfect time to speak with a local expert who understands your market. Together, you can analyze current trends and build a smart plan for buying or selling in 2025. Chicago Real Estate – Hansangcheol 📞 773-717-2227 📧 ChicagoBDB@gmail.com

내년에 집을 매도할 계획이 있으시다면 올해 하반기부터 준비를 시작하는 것이 현명한 선택입니다. 특히 부동산 거래가 가장 활발한 봄 시즌을 목표로 한다면, 지금부터 작은 수리와 정리 정돈을 시작하는 것이 매도 과정을 훨씬 수월하게 만듭니다. Realtor.com 분석에 따르면 내년 봄을 준비하는 셀러들은 미리 준비할수록 높은 바이어 수요를 효과적으로 활용할 수 있다고 합니다. 왜 지금부터 준비해야 할까? 현재 시장은 몇 년 만에 가장 많은 매물이 나와 있는 상황입니다. 그렇기 때문에 바이어들은 예전처럼 매물 부족으로 급하게 오퍼를 넣는 대신, 여러 집을 비교하며 선택할 수 있습니다. 이럴 때 셀러가 할 수 있는 최선은 자신의 집을 경쟁력 있게 보이도록 준비하는 것입니다. 물론 대규모 리노베이션을 하라는 의미는 아닙니다. 하지만 지금부터 누수 수리, 페인트 보수, 지붕 점검, 정리·정돈 등 기본적인 준비를 시작한다면 내년 봄이 왔을 때 여유롭게 매물을 시장에 내놓을 수 있습니다. 특히 지금 시작하면 공사비를 절약할 수 있고, 믿을 만한 시공업자를 찾는 데도 시간을 확보할 수 있습니다. 지역 전문가와의 상담이 필수입니다 어떤 수리를 해야 할지, 무엇을 우선순위에 두어야 할지는 지역 시장 상황에 따라 달라집니다. 시카고 서버브 지역처럼 매물이 많은 곳은 작은 업데이트만으로는 부족할 수 있고, 반대로 특정 지역은 기본적인 손질만으로도 충분할 수 있습니다. 전문 에이전트와 미리 상담하면 다음과 같은 도움을 받을 수 있습니다: 바이어들이 현재 선호하는 주요 요소 파악 리스팅 전에 꼭 필요한 수리·업데이트 확인 예산 안에서 우선순위 정하기 검증된 지역 시공업자 연결 전문가의 조언을 일찍 받으면 불필요한 지출을 줄이고, 투자 대비 최대 효과를 얻을 수 있습니다. 결론 2026년을 매도의 해로 계획하고 계시다면, 지금 바로 준비를 시작하는 것이 성공의 열쇠입니다. 미리 움직이는 셀러는 자신감 있게 시장에 나올 수 있고, 바이어들과의 협상에서도 우위를 점할 수 있습니다. 시카고 복덕방 한상철 773-717-2227 ChicagoBDB@gmail.com

If you’re thinking about selling your home next year, the best time to start preparing is now —especially if you’re aiming for the busy spring market . According to Realtor.com , sellers who begin early are better positioned to take advantage of strong buyer demand when the season arrives. Why Start Now? The housing market currently has more active listings than it has in several years. Buyers now have more options and are comparing multiple homes before making an offer. That means sellers need to make their property stand out . This doesn’t require a full renovation—but taking care of the basics now can make a big difference: • Fix leaks and plumbing issues • Refresh paint and check the roof • Declutter and organize Starting early allows you to manage repairs at a lower cost and gives you time to find trusted local contractors before spring rushes in. Consult a Local Expert What you should fix—or how much you should update—depends heavily on your local market .In competitive areas like the Chicago suburbs , small touch-ups may not be enough, while in other neighborhoods, basic maintenance can go a long way. Meeting with a real estate professional early helps you: • Identify what buyers are prioritizing right now • Focus on updates that increase value• Set smart spending priorities • Connect with reliable local contractors Getting this guidance in advance saves money and maximizes your return when you list. Conclusion If 2026 is your year to sell, preparation is your key to success. Sellers who start early enter the market with confidence and are better positioned to negotiate strong offers when buyer activity peaks in the spring. Chicago Real Estate – Hansangcheol 📞 773-717-2227 📧 ChicagoBDB@gmail.com

Craftsman home은 세월이 흘러도 변치 않는 매력으로 여전히 높은 인기를 누리고 있습니다. 세심한 디테일과 장인의 손길이 담긴 이 주택 스타일은 단순한 건물이 아니라 역사와 따뜻한 감성을 담은 공간으로 평가받고 있습니다. 그렇기 때문에 바이어들은 일반 주택보다 더 높은 가격을 지불하더라도 Craftsman home을 선호하는 경우가 많습니다. 특히 10년 이상 거주한 오너라면 지금 시점에서 집을 매도할 경우, 과거 매입가 대비 약 50% 가까운 시세 상승을 기대할 수 있습니다. 이는 Craftsman home이 지닌 건축적 가치와 희소성이 그대로 시장 가격에 반영된 결과입니다. 왜 Craftsman home이 주목받을까? Craftsman home의 핵심은 본질적인 디자인과 정직한 소재, 그리고 시간이 지나면서 더욱 깊어지는 아름다움입니다. 바이어들은 화려한 유행보다  지속 가능한 품질과 역사성 을 더 중시하고 있습니다. 특히 미국 전역에서 조사한 결과, Craftsman home은 지난 6년 동안 약 43.7%의 가치 상승을 기록했으며, 현재 중간 가격은 약 $467,000으로 전국 평균보다 약 $42,000 높은 수준입니다. 이는 바이어들이 얼마나 강하게 이 주택 스타일에 끌리는지를 보여줍니다. 가치가 더 높게 평가되는 특징 Craftsman home의 가치를 더욱 높이는 요소로는 저경사의 지붕, 노출된 목재 구조, 그리고 맞춤형 cabinetry 같은 디테일을 꼽을 수 있습니다. 지역적으로는  Pacific Northwest와 Midwest 에서 많이 발견되며, 특히 Atlanta에서는 전체 리스팅의 14.2%를 차지할 정도로 Craftsman home의 비중이 높습니다. 이 지역적 특성과 디자인적 요소는 바이어들에게 안정감과 공동체적 정서를 전달하기 때문에, 경기 불확실성 속에서도 여전히 강한 수요를 유지하고 있습니다. 셀러를 위한 마케팅 전략 Craftsman home을 매도할 계획이라면 몇 가지 전략적 접근이 필요합니다. 가벼운 리스토어 : 원목 마감재를 리피니싱하거나 오리지널 하드웨어를 복원하면 가치를 크게 높일 수 있습니다. 스토리텔링 활용 : 바이어들은 신축 주택에서는 느낄 수 없는 ‘집의 이야기’를 원합니다. 주택의 역사와 건축적 배경을 함께 소개하면 매도가 더욱 유리합니다. 정확한 가격 전략 : 단순히 인근 시세를 반영하는 것을 넘어, Craftsman home만의 희소성과 감성적 가치를 함께 고려해야 합니다. 이런 전략이 더해질 경우, 단순한 리스팅이 아니라 ‘경쟁이 붙는 집’으로 만들어낼 수 있습니다. 결론 Craftsman home은 단순한 주택이 아니라  역사와 가치를 담은 자산 입니다. 지금 매도를 고민하시는 셀러라면, 이 희소성과 감성을 적극적으로 활용해 시장에서 프리미엄을 실현하시길 권합니다. 시카고 복덕방  한상철 773-717-2227 ChicagoBDB@gmail.com

The  Craftsman home  remains one of the most admired and sought-after architectural styles in America. With its handcrafted details and honest materials, this home style offers more than just a place to live—it represents history, artistry, and warmth. Buyers are often willing to pay a premium for these homes because they hold both emotional and architectural value. For homeowners who have lived in their Craftsman home for over a decade, selling now could mean realizing up to a  50% increase in value  compared to their original purchase price. This strong appreciation reflects the enduring craftsmanship and rarity of these homes in today’s market. Why Craftsman Homes Stand Out The charm of a Craftsman home lies in its  authentic design, natural materials,  and  timeless character  that deepens with age. Buyers today are prioritizing sustainable quality and heritage over flashy trends. According to national data, Craftsman homes have appreciated by  43.7% over the past six years , with a current median price of  $467,000 , about  $42,000 higher than the national average . This premium shows just how much buyers value the craftsmanship and story behind these homes. What Makes a Craftsman Home Valuable Key features that enhance a Craftsman home’s value include:• Low-pitched gabled roofs• Exposed wood beams and handcrafted details• Built-in cabinetry and custom millwork These homes are especially common in the  Pacific Northwest  and  Midwest , and in cities like  Atlanta , where they represent about  14.2% of all active listings . Their design evokes a sense of comfort, stability, and community—qualities that hold strong appeal even in uncertain markets. Marketing Strategies for Sellers If you’re planning to sell a Craftsman home, consider these strategies to maximize its appeal: Light Restoration:  Refinish original woodwork or restore authentic hardware to highlight craftsmanship. Storytelling Matters:  Buyers love the “soul” of a home. Share its history, architectural details, and unique story to create emotional connection. Price with Precision:  Go beyond comparable listings—factor in your home’s  rarity and aesthetic appeal  when setting the price. With the right strategy, your Craftsman home can become a  “standout listing”  that draws multiple offers rather than blending into the market. Conclusion A Craftsman home is more than a property—it’s a piece of living history and a solid investment. If you’re considering selling, now may be the perfect time to leverage its timeless appeal and secure a strong premium in today’s market. Chicago Real Estate – Hansangcheol 📞 773-717-2227 📧  ChicagoBDB@gmail.com

최근 뉴스나 SNS에서 ‘주택 시장이 곧 붕괴된다’는 식의 헤드라인을 보신 분들이 많을 겁니다. 하지만 데이터는 전혀 다른 이야기를 하고 있습니다.  가격이 급락하는 Crash가 아니라, 완만하지만 꾸준한 상승세 가 이어질 전망입니다. 물론 모든 지역이 똑같지는 않습니다. 어떤 곳은 가격이 더 빠르게 오를 수 있고, 일부 지역은 단기적으로 소폭 하락할 수도 있습니다. 하지만  전국적인 흐름은 향후 5년간 가격 상승 이라는 점에서 전문가들의 의견이 일치합니다. 전문가 전망: 5년간 꾸준한 상승 Fannie Mae가 발표한  Home Price Expectations Survey(HPES) 에 따르면 100명 이상의 부동산 전문가들이 향후 주택 가격에 대해 전망했습니다. 결과는 분명했습니다.  2029년까지 주택 가격은 지속적으로 상승 할 것으로 예상된다는 것입니다. 평균적으로 약  15% 상승  예상 낙관적인 전망: 약  26% 상승 비관적인 전망조차도 약  5% 상승 무엇보다 중요한 사실은,  어느 누구도 Crash를 예상하지 않는다 는 점입니다. 과거와 비교했을 때 안정적인 상승 향후 5년간 예상되는 연평균 상승률은 약 2~3.5% 수준입니다. 이는 지난 25년간 평균 상승률인 4~5%보다는 낮지만, 팬데믹 시기의 비정상적인 폭등(연 15~20% 상승)과 비교하면 훨씬  건전하고 지속 가능한 수준 입니다. 즉, 가격이 더 이상 미친 듯이 뛰어오르는 시대는 끝났지만, 안정적인 시장이 자리잡아 가고 있다는 의미입니다. Crash가 아닌 이유: 공급과 수요 많은 사람들이 "급등했으니 이제 급락할 차례"라고 생각하지만, 주택 시장은 단순히 오르내리는 주식이 아닙니다. 가격을 지탱하는 가장 큰 이유는  여전히 부족한 공급 입니다. 집을 원하는 사람은 많지만, 시장에 나오는 매물은 한정적입니다. 이 불균형이 가격을 지탱하는 힘이 되고 있습니다. 또한 과거 2008년 금융위기와 같은 상황은 지금과 다릅니다. 당시에는 무분별한 대출과 대규모 차압이 원인이었지만, 현재는 대출 심사가 훨씬 강화되어 있고, 바이어들의 자산 상황도 훨씬 건강합니다. 셀러와 바이어에게 주는 시사점 바이어 : Crash를 기다리며 관망하는 것은 더 이상 현명하지 않습니다. 가격이 완만하게 오를 것이 확실시되기 때문에, 지금부터 움직여야 더 유리합니다. 셀러 : 가격 폭락을 두려워할 필요는 없습니다. 오히려 시장은 안정적으로 성장 중이기 때문에 적절한 타이밍에 매물을 내놓으면 충분히 좋은 조건으로 거래가 가능합니다. 결론 Crash라는 자극적인 헤드라인과 달리, 데이터는 안정적인 성장과 꾸준한 가격 상승을 보여주고 있습니다.  질문은 “떨어질까?”가 아니라, “얼마나 오를까?”입니다. 지금 시장에 대해 더 깊이 알고 싶으시다면, 지역 전문가와 함께 현재 데이터를 분석하고 전략을 세워보시길 권해드립니다. 시카고 복덕방 한상철 773-717-2227 ChicagoBDB@gmail.com

You’ve probably seen headlines or social media posts warning that the housing market is about to crash. But the data tells a completely different story: instead of a sharp drop, experts predict a slow, steady rise in home prices over the next several years. 📈 Expert Outlook: Gradual Growth Through 2029 According to Fannie Mae’s Home Price Expectations Survey (HPES) — which gathered insights from over 100 housing experts — home prices are expected to keep rising through 2029 .Here ’s what they project: Average increase: around 15% over the next five years Optimistic scenario: up to 26% Even the most cautious forecast: still +5% In other words, no one is predicting a housing market crash. ⚖️ A More Balanced, Sustainable Market Over the next five years, annual home price growth is expected to range between 2–3.5% .That’s lower than the long-term average of 4–5% , and far below the 15–20% yearly spikes we saw during the pandemic. This slower pace signals a healthier, more sustainable market — not a collapse. The era of extreme bidding wars may be over, but the foundation for stable appreciation is strong. 🏗️ Why a Crash Isn’t Coming Many assume, “Prices went up, so they must come down.”But housing isn’t like the stock market — it’s driven by supply and demand , not speculation alone. Inventory remains low: There are still more buyers than homes available. Lending standards are stronger: Unlike in 2008, today’s mortgages are far more regulated. Homeowners are financially healthier: Equity levels are high, and foreclosure risk is minimal. These factors are keeping home values resilient and preventing any major downturn. 💡 What This Means for Buyers and Sellers For Buyers: Waiting for a “crash” could mean missing your window.If prices continue to rise gradually, buying now may be smarter than paying more later. For Sellers: There’s no need to panic about falling prices.The market is stable, and demand remains solid — meaning you can still sell at a strong value with the right pricing strategy. 🌟 The Bottom Line Forget the “crash” headlines — the real story is one of steady, sustainable growth. The question isn’t “Will prices fall?” but rather “How much will they rise?” If you want to understand what this means for your local market, let’s analyze the data together and plan your next move strategically. Chicago Real Estate | Hansangcheol (“ChicagoBDB”) 📞 773-717-2227 | ✉️ ChicagoBDB@gmail.com

집을 시장에 내놓았을 때 두 개의 오퍼를 동시에 받는다면 설레는 동시에 고민이 깊어질 수 있습니다. 특히 한쪽은 현금 구매자(Cash Buyer), 다른 한쪽은  융자 바이어(Financed Buyer) 일 경우 선택은 더 복잡해집니다. 두 경우 모두 순수익(Net Proceeds)은 비슷할 수 있지만, 매도인의 일정, 리스크, 전체적인 경험에는 큰 차이가 생깁니다. 현금 구매자(Cash Buyer)의 장단점 가장 큰 장점은 속도와 확실성입니다. 모기지 승인이 필요하지 않으므로 일반적으로 7~14일 안에 클로징이 가능합니다. 따라서 이사 일정이 급하거나 자금 회수가 빠르게 필요한 경우 큰 매력이 있습니다. 또한 감정평가 문제나 대출 거절로 인해 거래가 무산될 가능성이 낮습니다. 현금 바이어는 일반적으로  조건(Contingencies) 이 적고, 수리 요구도 줄어드는 경향이 있습니다. 하지만 단점도 있습니다. 현금 바이어는 속도와 확실성을 무기로 가격 할인을 요구하는 경우가 많습니다. 종종 투자자나 Flipper인 경우가 많아, 감정적인 가치보다 수익성을 우선시하기 때문입니다. 예를 들어, 주택 가격이 50만 달러일 때 융자 바이어는 집에 대한 애착으로 52만 달러까지 제안할 수 있지만, 현금 바이어는 오히려 딱 50만 달러만 제시하는 경우가 흔합니다. 융자 바이어(Financed Buyer)의 장단점 융자 바이어의 가장 큰 장점은 높은 매매가를 기대할 수 있다는 점입니다. 융자를 활용하므로 현금 부담이 적고, 대부분의 바이어가 실제 거주를 목적으로 하기에 집에 대한 애착이 커 더 높은 가격을 제시할 가능성이 큽니다. 하지만 이 경우 감정평가(Appraisal) 리스크가 존재합니다. 집이 계약가에 맞게 평가되지 않으면 계약이 파기되고, 바이어는 보증금을 돌려받을 수 있습니다. 또한 융자 승인 기간(보통 30일 전후) 동안 바이어의 신용 문제나 직장 상황 때문에 대출이 거절되면, 셀러는 다시 처음부터 매각 절차를 시작해야 하는 위험을 감수해야 합니다. 어떤 선택이 맞을까? 결국 답은 셀러의 상황에 달려 있습니다. • 새로운 집을 사기 위해 현금이 꼭 필요하다면, 현금 오퍼가 더 안전합니다. • 일정에 여유가 있고 최대한 높은 매각가를 원한다면, 융자 오퍼가 더 나을 수 있습니다. 전문가들은 보통 현금 오퍼가 융자 오퍼보다 5% 이상 낮다면, 리스크를 감수하고 융자 바이어를 선택하는 것이 더 나을 수 있다고 조언합니다. 반대로 매물이 많은 수리를 요구하거나 일정이 촉박하다면 현금 바이어가 유리할 수 있습니다. 무엇보다 중요한 것은 단순히 매매가만 보지 말고, 시장 상황, 컨틴전시 조건, 일정 등을 종합적으로 고려하는 것입니다. 결론 현금 오퍼와 융자 오퍼 중 어느 쪽이 더 좋은 선택인지는 상황에 따라 달라집니다. 중요한 것은 셀러가 본인의 필요와 시장 상황을 정확히 파악하고, 경험 있는 에이전트와 함께 전략적으로 결정하는 것입니다. 지금 집을 팔거나 새로운 이사를 준비하고 계시다면, 저와 함께 상황을 꼼꼼히 분석해 보시길 권해드립니다. 시카고 복덕방 한상철 773-717-2227 ChicagoBDB@gmail.com

Receiving multiple offers can be exciting — but also overwhelming. Especially when one is from a cash buyer and the other from a financed buyer , the decision becomes more than just about price. Even if the net proceeds are similar, timing, risk, and overall experience can differ greatly. 💰 The Pros and Cons of a Cash Buyer Pros: • Fast and certain — closing can happen within 7–14 days.• No mortgage approval, no appraisal delays, fewer contingencies.• Ideal for sellers who need quick funds or have a tight moving schedule. Cons: • Cash buyers often expect a discount for offering speed and security.• Many are investors or flippers focused on profit rather than emotional value.For example, if your home is listed at $500,000, a financed buyer might offer $520,000 — while a cash buyer may stick firmly to $500,000 or less. 🏦 The Pros and Cons of a Financed Buyer Pros: • More likely to offer a higher price due to smaller upfront costs.• Typically buying for personal use — emotional investment can lead to stronger offers. Cons: • Appraisal and loan approval risks — if the home doesn’t appraise at value, the deal could fall through.• Financing takes longer (around 30 days) and may fail due to credit or employment changes. ⚖️ How to Decide The right choice depends on your situation:• If you need cash quickly for your next purchase — cash offer may be best.• If you have time and want maximum return — financed offer may yield a higher price. Experts often suggest: if the cash offer is more than 5% lower than the financed one, it may be worth taking the risk on the financed buyer. But if your property needs repairs or time is tight, a cash buyer could save you stress and uncertainty. 🌟 Final Takeaway There’s no one-size-fits-all answer — every seller’s situation is unique. The key is to look beyond the offer price and evaluate timeline, contingencies, and reliability . With the right guidance, you can make a decision that aligns with both your goals and peace of mind. Chicago Real Estate | Hansangcheol “ChicagoBDB” 📞 773-717-2227 | ✉️ ChicagoBDB@gmail.com

높은 금리와 집값 때문에 이사를 미뤄두셨던 분들이 많습니다. 하지만 최근 변화는 다시 계산기를 두드려볼 만한 기회가 될 수 있습니다. First American 자료에 따르면 상위 50개 주요 시장 중 39곳에서 주택 구매  감당 능력(Affordability) 이 개선되고 있으며, 이는 5개월 연속 이어진 흐름입니다. 월별 모기지 납부액이 줄어들고 있다 Redfin의 최신 데이터에 따르면, 중간가 주택 기준 월 모기지 납부액이 불과 몇 달 전보다 평균  283달러  낮아졌습니다. 이는 연간으로 따지면 약  3,400달러 절감 효과 를 의미합니다. 몇 백 달러 차이가 작게 느껴질 수 있지만, 실제로는  바이어의 예산과 선택지를 바꿀 수 있는 중요한 요소 입니다. 예를 들어, 월 3,000달러 예산을 가진 바이어는 올해 6월까지만 해도 약 446,000달러 수준의 주택을 살 수 있었지만, 지금은 약 468,000달러의 주택까지 고려할 수 있습니다. 이 차이는 새로운 선택지를 열어주고, 원하는 집을 찾을 가능성을 높여줍니다. 무엇이 이 변화를 만들었을까? 두 가지 요인이 시장에 긍정적인 변화를 주고 있습니다. 모기지 금리 하락 : 올해 초 정점을 찍었던 금리가 완화되면서 바이어의 부담이 줄어들었습니다. 집값 상승세 둔화 : 일부 지역에서는 집값 상승률이 낮아지며 예산 계획이 한결 수월해졌습니다. ICE Mortgage Technology의 연구 책임자는 최근 금리 인하로 인해 바이어와 기존 주택 소유주 모두에게 유리한 환경이 조성되었으며, 현재 감당 능력이 약 2년 반 만에 가장 높은 수준이라고 설명했습니다. 바이어와 셀러 모두에게 열리는 기회 이 변화는  첫 주택 바이어 에게는 진입 장벽을 낮추는 효과를,  이사나 업그레이드 계획이 있는 셀러 에게는 시장 회복을 통한 거래 기회를 의미합니다. 중요한 점은, 지금 상황이 영원히 지속되지는 않는다는 것입니다. 바이어라면 지금 변화된 수치로 예산을 다시 계산해 보고, 셀러라면 매물을 시장에 내놓을 전략을 점검해야 할 시기입니다. 결론 주택 구매의 감당 능력이 개선되고 있다는 것은 곧  새로운 기회가 열리고 있다는 신호 입니다. 최근 수개월 전보다 더 많은 구매력을 확보할 수 있다면, 이사는 ‘아직은 때가 아니다’에서 ‘지금이 기회다’로 바뀔 수 있습니다. 지금 전문가와 함께 현재 금리와 월 납부액을 계산해 보시길 권해드립니다. 이 변화가 여러분의 계획을 앞당겨 줄 수 있습니다. 시카고 복덕방 한상철 773-717-2227 ChicagoBDB@gmail.com

Many people have postponed moving because of high interest rates and rising home prices. But recent market shifts suggest it may be time to revisit the numbers .According to First American , 39 of the top 50 U.S. housing markets have seen improved affordability for five consecutive months — a sign that buying conditions are gradually getting better. Monthly Mortgage Payments Are Going Down Redfin’s latest data shows that the average monthly mortgage payment on a median-priced home is now $283 lower than just a few months ago — saving buyers roughly $3,400 per year . While that may sound modest, it can make a big difference in what you can afford.For example, a buyer with a $3,000 monthly budget could afford a $446,000 home in June. Today, that same buyer could purchase a home worth around $468,000 — a $22,000 increase in purchasing power. What’s Driving This Change? Two major factors are reshaping the market: • Falling Mortgage Rates: After peaking earlier this year, rates have started to ease, reducing monthly costs for buyers. • Slowing Home Price Growth: In some regions, price appreciation has cooled, making budgeting and planning easier. According to ICE Mortgage Technology , today’s affordability levels are the strongest in over two and a half years , benefiting both buyers and current homeowners. Opportunities for Buyers and Sellers This shift creates openings on both sides of the market: • For Buyers: Lower monthly payments mean lower barriers to entry, especially for first-time buyers. • For Sellers: Improved affordability can bring more buyers back into the market, supporting a rebound in transaction activity. However, these conditions won’t last forever. Buyers should use this window to recheck their budget, and sellers should align their listing strategies with the new wave of buyer interest. Final Takeaway Improving affordability means new opportunities are emerging . With lower monthly payments and stronger buying power, “it’s not the right time yet” might now become “this is the right time.” If you want to understand how today’s rates and payment trends affect your plans, talk to a local expert and crunch the numbers — this shift could move your timeline forward. Chicago Real Estate | Hansangcheol “ChicagoBDB” 📞 773-717-2227  | ✉️ ChicagoBDB@gmail.com