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최근 여러 부동산 전문가들은 주택시장이 몇 년간의 정체기를 지나  2026년을 기점으로 다시 움직이기 시작할 것 이라는 분석을 내놓고 있습니다. 낮아지는 모기지 금리, 증가하는 매물, 그리고 다시 시장에 나서는 바이어·셀러 등이 그 신호입니다. 이 시점은 특히 시카고 및 인근 교외 시장에서도 중요한 전환점이 될 수 있습니다. 왜 지금이 분기점인가? 첫째, 모기지 금리가 하향 조정의 시그널을 보내고 있습니다. 금리가 정점에 달했던 시기 대비 조금씩 완화되면서, 구매 가능성이 다시 커지고 있다는 평가입니다. 둘째, 매물을 내놓으려고 망설이던 셀러들이 다시 움직이기 시작했다는 데이터가 나왔습니다. 저금리에서 묶여 있었던 주택 보유자들이 이제 라이프스타일 변화, 업그레이드 또는 다운사이징 등의 이유로 매도를 고려하기 시작했기 때문입니다. 셋째, 수요 측면에서도 재진입하는 바이어가 늘어나고 있습니다. 구매 신청 수가 전년 대비 증가하고 있다는 보고가 있으며, 이는 곧 거래 활성화로 이어질 가능성이 높습니다. 이 같은 세 가지 흐름이 동시에 맞물리면서 시장은 ‘멈춤’ 상태에서 벗어나  균형 조정과 회복 국면 으로 들어가고 있다는 분석입니다. 시카고∙일리노이 지역에서 주목해야 할 포인트 시카고 및 교외 지역 시장도 이러한 전국 흐름의 영향을 받고 있으며, 특히 다음과 같은 전략이 유리합니다. 매도자(셀러) 입장에서는 이미 보유하신 주택에서 에쿼티가 충분히 쌓여 있는 경우가 많습니다. 시장이 다시 움직이기 시작한다면 지금이 매도 시점이 될 수 있습니다. 매물 경쟁이 완전히 치열해지기 전에 시장에 나오는 것이 유리합니다. 매수자(바이어) 입장에서는 지금은 경쟁이 다소 덜한 시점일 수 있습니다. 모기지 금리 완화 기대감과 매물 증가가 맞물리면, 보다 유리한 조건으로 협상이 가능해질 수 있습니다. 특히 교외 지역이나 시카고 외곽에서는 지금부터 움직이는 것이 현명합니다. 보유자 입장에서는 만약 매도를 고려하지 않고 보유할 계획이라면, 지금이 집을 ‘잠시 기다렸다가 내다파는 전략’보다 오히려 유지 전략을 재검토할 시점입니다. 시장이 다시 활기를 되찾는 시기에 차익을 실현하거나 리모델링/렌트 전환을 고려하시는 것도 하나의 방법입니다. 행동을 위한 3가지 체크리스트 현재 내 집의  모기지 금리와 월 지출 구조 를 다시 점검해보세요. 금리가 내려가는 흐름이 시작되었으므로 재융자나 업그레이드 가능성도 열려 있습니다. 매수 또는 매도를 고려 중이시라면  지역별 최근 매물 회전율과 가격 변화 를 확인하세요. 시카고-교외 지역에서도 거래속도가 바뀌고 있습니다. 리얼터와 상담하여 “2026년 들어오는 시장 변화에 어떻게 대응할 것인가”에 대한 전략을 함께 세우세요. 준비된 사람이 시장에서 가장 먼저 유리한 위치를 차지할 수 있습니다. 마무리 주택시장이 지금 ‘변화의 시작점’에 서 있습니다. 모기지 금리 하향 기대, 매물 증가, 수요 재진입이 맞물리며 2026년은 더 활발해질 전망입니다.시카고 및 일리노이 지역에서 주택 보유자라면 매도·보유 선택을 재검토하셔야 하고, 매수를 고민 중이시라면 지금이  기회를 잡을 타이밍 입니다. 당장 움직이실 준비가 되셨다면, 언제든지 상담해드리겠습니다. ‘시카고 복덕방 한상철’ 773-717-2227,  ChicagoBDB@gmail.com

Many real estate analysts are now pointing to a clear shift: after several years of stagnation, the U.S. housing market is beginning to move again—and  2026 is expected to be a major inflection year .Falling mortgage rates, rising inventory, and the return of both buyers and sellers are all contributing to this shift.For Chicago and its surrounding suburbs, this moment may be especially important. 📉  Why the Market Is at a Turning Point 1. Mortgage rates are showing signs of easing. After peaking, rates are gradually moving downward. Even small rate drops significantly improve affordability, encouraging more buyers to reenter the market. 2. More sellers are finally listing their homes again. Homeowners who were “locked in” by ultra-low pandemic-era rates are beginning to move—motivated by lifestyle changes, upsizing, downsizing, or relocating. 3. Buyer demand is returning. Mortgage applications are up compared to last year, suggesting buyer activity will continue building.When demand, supply, and rates shift at the same time, the market typically transitions out of a freeze and into a recovery phase. Together, these three forces indicate the market is exiting its “pause” and entering a period of rebalancing and renewed momentum. 🏙️  What This Means for Chicago & Illinois The Chicago and suburban markets are moving in the same direction as the national trend—and this moment offers unique opportunities. 🔶  For Sellers Many homeowners have gained substantial equity over the past several years.With the market waking up again, this may be an ideal time to sell  before inventory becomes highly competitive . 🔷  For Buyers Conditions right now may be more favorable than many expect.Anticipated rate declines + rising inventory =  better negotiation power  than we’re likely to see once 2026 activity accelerates.Suburban and outer-Chicago neighborhoods, in particular, offer room to move before competition increases. 🔸  For Current Homeowners If you’re not planning to sell immediately, this is the time to revisit your strategy.You may consider: holding until 2026 for peak activity, refinancing as rates decline, or exploring remodeling or rental opportunities. Positioning now can set you up for stronger returns later. 📋  Three Key Action Steps 1. Review your mortgage and monthly housing costs. With rates trending downward, refinancing or upgrading may become a viable option. 2. Watch local market data closely. Inventory turnover and price trends in Chicago and the suburbs are already shifting. 3. Build a plan with a trusted real estate professional. A clear strategy for navigating the coming 2026 market can place you ahead of others once activity surges. Final Thoughts The housing market is standing at the beginning of a new cycle.With lower rates, increasing listings, and more active buyers,  2026 is positioned to be a significantly more dynamic year . Whether you’re a homeowner, a potential seller, or a prospective buyer in the Chicago or Illinois region—this is the time to reassess your strategy and prepare. If you’re ready to explore your options or want tailored guidance: 📞  773-717-2227 ✉️  ChicagoBDB@gmail.comChicago Real Estate – Sangchul Han

최근 쿡카운티 평가관 사무소가 2020년부터 2024년까지의 주택 매매가격과 거래 데이터를 포함한  인터랙티브 맵 형태의 트래커 를 공개했습니다. (Link: https://www.cookcountyassessoril.gov/cook-county-housing-market-tracker?utm_medium=email&utm_source=govdelivery ). 이 툴은 단독주택, 콘도, 6 유닛 이하 다가구 주택 등 다양한 주거 유형의 데이터를 포함하고 있어, 일반 주민, 언론, 정책입안자 모두가 “내 지역의 집값 흐름이 어떠한가”를 한눈에 파악할 수 있게 되었습니다.  이 공개 툴이 중요한 이유 지금까지는 복잡한 자료를 필터링하거나 여러 출처에서 데이터를 수집해야 했으나, 이번 트래커는  비전문가도 접근 가능 하다는 점이 강조되었습니다.  주택 보유자 입장에선 자신이 보유한 집의 가치가 어떻게 변화했는지, 최근 4-5년간 얼마나 에쿼티(자산)가 증가했는지를 직접 확인할 수 있습니다. 사실 기사에서 평가관은 “많은 지역에서 주택가치가 거의 두 배 이상 증가했다”고 언급했습니다.  반대로, 매수 또는 매도를 고려 중이신 분이라면  지역별, 주거유형별 가격 움직임 을 더 세밀히 살펴보는 것이 가능해졌습니다. 시카고·교외 시장에 주는 의미 시카고·일리노이 시장 맥락에서 이번 데이터 공개가 갖는 의미는 더욱 큽니다. 예컨대 기사에서는 사우스사이드 지역인 Englewood가 2020년 중반 대비 중간가격이 거의 두 배로 올랐다는 언급이 있습니다. 이는 보유기간이 길수록 에쿼티 축적이 크게 있었다는 것을 보여줍니다. 한편, 이렇게 가치가 급등한 지역은  세금 평가(Assessment)  증가로 이어질 가능성도 있음이 평가관 측 언급을 통해 확인되었습니다. 과세 부담 증가를 우려하는 보유자분께서도 관심을 가지셔야 합니다.  또한, 이 트래커 자료를 활용하면 “내 동네 최근 4년간 가격 변화율”과 “최근 거래 수량 변화” 등을 직접 확인할 수 있어 매도 시점 또는 매수 시점 전략 설정 시 유리합니다. 셀러·바이어를 위한 전략 제언 셀러(매도자)이신 경우 보유한 주택이 최근 4년간 가격이 크게 오른 지역이라면, 지금  에쿼티가 충분히 쌓여 있는 상태 이므로 매도 시 고려할 지점입니다. 트래커 데이터를 활용해 “내 주택이 해당 지역 평균보다 얼마나 올랐나”를 확인해 보시길 권합니다. 다만, 세금 및 평가액 인상을 체크하세요. 가격이 오른 지역은 향후 평가액이 올라가면서 과세 부담이 커질 수 있습니다. 필요 시  감정 평가 또는 감세 신청 을 고려하셔야 합니다. 매도 후 다음 주택으로 이동을 고려 중이라면, 이 데이터를 바탕으로  시장 타이밍을 잡는 것 이 유리합니다. 예컨대 최근 1-2년간 상승률이 둔화된 지역이라면 지금이 출구 시점일 수 있습니다. 바이어(매수자)이신 경우 매수를 고려 중이시라면 이 트래커를 통해  구역별 최근 가격 상승폭, 거래량 변화, Days on Market(판매까지 걸린 기간)  등을 확인하세요. 상승 폭이 크고 거래가 활발한 지역은 경쟁이 치열하므로  사전 준비를 철저히  하시는 것이 필요합니다. 반대로, 트래커에 나타난 상승폭이 완화되거나 거래 속도가 느려진 지역은  협상 여지 가 커질 수 있는 기회입니다. 무엇보다 ‘가격이 더 오르기 전에’ 움직이는 전략이 중요합니다. 렌트 거주 중이시고 내 집 마련을 목표로 하신다면, 이 데이터를 통해 주택 구매를 위한  장기 전망과 비용 대비 가치를 따져보는 것 이 더욱 효과적입니다. 마무리 이번에 공개된 쿡카운티의 Housing Market Tracker는 단순한 통계가 아니라  지역 맞춤형 전략을 세울 수 있는 도구 입니다. 시카고 및 인근 교외 지역에서 주택을 보유하고 계시거나, 매수·매도를 고민 중이시라면 반드시 확인해 보셔야 합니다. 가격이 많이 오른 지역에서 보유 중이시라면 매도나 감세 전략을, 매수를 준비 중이시라면 타이밍과 조건을 잘 잡는 전략을 세워보시길 권해드립니다. 지금이 바로  데이터 기반으로 움직일 시점 입니다. 궁금하시거나 더 구체적인 전략이 필요하시면 언제든지 상담 주세요. ‘시카고 복덕방 한상철’ 773-717-2227 ,  ChicagoBDB@gmail.com

Cook County Assessor’s Office has launched a new  interactive Housing Market Tracker , covering home sale prices and transaction data from  2020 to 2024 .(Link: cookcountyassessoril.gov/cook-county-housing-market-tracker ) This tool includes data on  single-family homes, condos, and small multifamily buildings (6 units or fewer) , allowing residents, homeowners, journalists, and policymakers to easily see  how home values in their area have changed over the last four years. 📊  Why This New Public Tool Is Important ✔️  1. Data is finally simple and accessible Until now, individuals had to gather information from multiple sources or sort through complex datasets.The new tracker makes neighborhood-level housing trends easy for anyone to understand. ✔️  2. Homeowners can see how much equity they’ve gained You can look up how values in your neighborhood have changed since 2020 — and in many areas, home values have nearly doubled , according to the Assessor’s Office. ✔️  3. Buyers and sellers can make more informed decisions The tracker lets you compare  price trends by area and by housing type , helping you evaluate timing, opportunity, and competition. 🏙️  What It Means for the Chicago & Suburban Market This release has major implications for Chicago and nearby suburbs: ✔️  Strong equity growth in many neighborhoods For example, Englewood on the South Side reportedly saw its median home price  almost double since mid-2020 .This illustrates how powerful long-term ownership can be. ✔️  Rising assessments may lead to higher property taxes Areas with fast-growing home values may also see higher assessments — something homeowners should monitor closely. ✔️  Buyers & sellers can now track 4-year price trends and transaction activity You can directly visualize: Price appreciation by neighborhood How transaction volume has changed Whether the pace of sales is heating up or cooling down This is extremely valuable when choosing when to list or when to buy. 🎯  Strategic Guidance for Sellers & Buyers 🔶  For Sellers If your neighborhood has seen strong appreciation over the last four years, your equity may be at a peak. Use the tracker to see how your home compares to area trends and determine the best timing to sell. Keep an eye on  tax assessments  — rising values may increase future tax bills. Consider appraisal reviews or appeals if necessary. If you’re planning to move to your next home, these trends can help you evaluate the right moment to exit. 🔷  For Buyers Use the tracker to study  price growth, transaction numbers, and Days on Market  by neighborhood. Areas with strong growth and active sales mean more competition — prepare early. Areas with slowing growth or longer market times may offer better negotiation opportunities. If you’re currently renting, this tool helps you compare long-term value and build your purchase plan more strategically. 📌  Bottom Line The newly released Cook County Housing Market Tracker is more than a data tool — it’s a strategic roadmap.Whether you’re a homeowner, a future buyer, or planning to sell, this is your chance to make  data-based decisions tailored to your neighborhood. If you want help analyzing your area or crafting a strategy: 📞  773-717-2227 ✉️  ChicagoBDB@gmail.com “Chicago Real Estate – Sangchul Han”

최근 “‘월 약 80달러만 더 부담되면 집을 사지 말아야 하나?’”라는 고민이 나오고 있습니다. 하지만 사실상 그 정도의 차이로 주택 구매를 포기할 필요는 없다는 것이 전문가들의 분석입니다. 적절한 준비와 전략으로 이 작은 금액을 극복하면 지금도 충분히 매수 기회를 잡을 수 있습니다. 왜 ‘80달러’가 화제가 되었을까요? 많은 바이어들이 한 달 예상 주택비용이 렌트보다 약간 높다고 느끼면 구매를 미루는 경향이 있습니다. 그러나 연구에 따르면 월 80달러 수준의 차이라면, 대부분의 구매 잠재력이 손실될 정도의 장애물은 아니라는 것입니다. 즉, 비용 차이가 조금 있다고 해서 구매 기회를 놓칠 필요는 없다는 의미입니다.주택 소유자는 시간이 지날수록 자산이 쌓이고, 렌트비 상승에 따른 부담을 덜 수 있다는 점을 고려할 때, 지금이 오히려 매수 타이밍일 수 있습니다. 시카고·일리노이 지역에서 더욱 주목해야 할 이유 시카고 및 일리노이 지역은 전국과 마찬가지로 주택보유와 렌트 사이의 고민이 증가하는 시장입니다. 렌트비와 주택비용 간 격차가 작아진 상황에서, 월 몇십 달러의 차이가 ‘사야 할지 말아야 할지’ 판단의 기준이 되고 있습니다.하지만 중요한 것은  기간 과  자산 형성 입니다. 이 지역 주택가격은 팬데믹 이후 꾸준히 상승해 왔고, 보유 기간이 길수록 자산(Equity) 축적 속도가 유리합니다. 렌트비도 상승세에 있기 때문에, 지금 구매하여 고정비용을 확보하는 것이 미래 부담을 덜어줄 수 있습니다. 또한, 월부담이 약간 높더라도 세금 혜택·감가상각·리모델링 가능성 등을 고려하면 실질적인 투자 효과가 달라질 수 있습니다. 구매를 망설이는 분들께 드리는 전략적 조언 예산 재검토 월 80달러 정도의 차이가 부담이라면, 담보대출 기간을 30년에서 35년으로 조정하거나, 다운페이를 조금 더 늘리거나, 주택 규모를 약간 낮추는 방식으로 월 부담을 조절할 수 있습니다. 렌트vs구매 비교 지금 렌트비가 매년 상승하고 있다면, 월 부담이 약간 더 높더라도  고정된 주택비용 으로 바꾸는 것이 장기적으로 유리할 수 있습니다. 장기 시나리오 그리기 시카고/일리노이 지역에서는 5년 이상 보유 시 자산 축적 효과가 두드러진다는 분석이 많습니다. 월 80달러 차이로 인해 구매를 미루는 것보다는 오늘부터 미래를 설계하시는 것이 좋습니다. 전문가 상담 활용 금리, 주택유형, 지역학교, 유지관리비 등 다양한 요소가 월 비용에 영향을 미칩니다. 경험 많은 리얼터와 대출 상담사를 통해 “내가 실제로 감당할 월 부담”을 정확히 파악하시는 것이 첫걸음입니다. 지금이 행동할 적기입니다 월 부담이 조금 있다는 이유만으로 집 구매를 미루시는 것은 기회를 놓치는 셈일 수 있습니다. 특히 시카고·일리노이 시장처럼 수요가 여전히 견고하고 자산 형성 여력이 있는 곳이라면, 지금이  매수에 나설 타이밍 입니다.렌트비가 계속 오르고 있다는 점, 주택 가격이 과거 대비 크게 올라 있다는 점을 고려하면, 월 80달러 정도의 추가 비용은 충분히 투자할 만한 가치가 있습니다.더 이상 주저하지 마시고, 지금 내 집을 위한 준비를 시작해보시길 권해드립니다. ‘시카고 복덕방 한상철’ 773-717-2227,  ChicagoBDB@gmail.com

It Might Actually Be Your Opportunity. Recently, many buyers have been asking: “If my monthly housing payment is about $80 more than rent, should I delay buying?” But experts agree:  an $80 difference is not a reason to walk away from homeownership. With the right preparation and strategy, this small gap can be managed— and it may even be the perfect moment to buy. 💵  Why Is “$80 a Month” Getting So Much Attention? Many buyers hesitate when projected monthly mortgage costs are slightly higher than rent.But research shows that  a difference of around $80/month isn’t large enough to meaningfully reduce long-term buying power. In other words: ➤ A small monthly gap shouldn’t be the reason you miss a major opportunity. And when you consider that homeowners build equity over time—while renters face yearly rent increases—today may actually be a  better  time to buy, not worse. 📍  Why This Matters Even More in Chicago & Illinois Just like the rest of the U.S., the Chicago/Illinois market is seeing more buyers comparing renting vs. owning.With rent and mortgage payments closer than before, even small payment differences become a deciding factor. But here’s the real point: What matters most is long-term equity, not short-term monthly differences. ✔ Chicago-area home prices have been steadily rising since the pandemic— meaning long-term owners have seen strong equity gains. ✔ Rent continues to trend upward— locking in a fixed mortgage  now  protects you from future increases. ✔ Even if monthly costs are slightly higher,  tax benefits, customization/remodeling freedom, and equity growth  can easily outweigh the $80 difference. 🎯  Strategic Advice for Buyers Who Are Hesitating 1. Revisit Your Budget If an $80 gap feels tight, you can adjust: Extend the loan term (30 → 35 years, where available) Increase your down payment Consider slightly smaller or more affordable properties Small adjustments can significantly reduce monthly costs. 2. Compare Renting vs. Buying Over Time If your rent rises every year, a fixed mortgage—even if slightly higher—can be cheaper over the next 3–5 years. 3. Think in Long-Term Scenarios In Chicago/Illinois, studies show that  holding a home for 5+ years leads to strong equity growth. Delaying a purchase over an $80 difference could cost far more in the long run. 4. Use Expert Guidance Loan products, taxes, school districts, HOA fees, and maintenance all influence your true monthly cost. Work with a knowledgeable Realtor and loan officer to identify:✔ your  real  monthly affordability✔ hidden savings✔ the best timing and strategy for your situation 🚀  Now Is the Time to Act Pausing your home search because of a small monthly difference—like $80—could mean missing a valuable opportunity. In markets like Chicago and Illinois, where demand remains stable and long-term equity potential is high, this may be the ideal moment to buy. With rent rising and home prices staying strong,that extra $80/month may be one of the smartest investments you can make. If you’re ready to explore your options and create a customized plan: 📞  773-717-2227 ✉️  ChicagoBDB@gmail.com “Chicago Real Estate – Hansangcheol”

최근 신축 주택 현수막이나 건설 현장을 자주 보시면서 혹시 ‘또 과잉공급이 시작된 것 아닌가’ 걱정하신 분들도 계실 것입니다. 하지만 데이터는 그런 우려보다는 ‘과잉이 아니라 조절’이라는 신호를 보내고 있습니다.  허가(permits)가 8개월 연속 하락 중 전미주택건설업협회(NAHB)의 최신 자료에 따르면 단독주택 건축 허가가 8개월 연속 감소하고 있다는 점이 가장 주목할 만한 부분입니다. 이는 건설업체들이 과거처럼 무리하게 ‘지금 짓고 팔기’ 전략을 펼치는 것이 아니라, 수요 흐름을 주시하면서 공급 속도를 조절하고 있다는 뜻입니다. 한 마디로 시장이 과거 2008년처럼 무너질 정도로 과잉되는 조짐은 지금으로서는 보이지 않습니다. 왜 이 시점이 다르냐면 2008년 금융위기 직전에는 수요가 줄어들었음에도 불구하고 건설업체들이 건축을 계속 확대했고, 그 결과 주택가격이 급락하는 악순환이 발생했었습니다. 반면 지금은 이미 그 이후 수년간 공급이 적었고, 지금의 상승 추세는 그 부족분을 채우는 성격이 강하다는 분석이 많습니다.  즉, 현재 신축 주택의 증가가 ‘공포 신호’라기보다는 ‘기회 신호’라는 시각이 유효합니다. 지역별로 살펴보면 물론 세부 지역으로 들어가면 다소 차이가 있습니다. 일부 지역은 신축 물량이 많아졌고, 그로 인해 경쟁이 조금 더 치열해졌을 수 있습니다. 하지만 전국적인 흐름으로 보면 거의 모든 광역권에서 허가건수가 감소 추세입니다.  따라서 시카고/일리노이 지역에서도 공급이 너무 과잉돼서 시장이 붕괴될 가능성보다는, 신축 선택지가 증가하고 있다는 측면에서 긍정적으로 볼 여지가 큽니다. 셀러·바이어에게 주는 전략적 시사점 셀러 입장 신축 주택 공급이 늘고 있다는 이야기를 들으셨더라도, 지금이 매도 시점을 망설일 이유는 아닙니다. 오히려  선택지가 늘어나고 있다 는 것은 관심 있는 바이어가 더 넓어진다는 뜻이기도 합니다. 이미 보유 중인 주택이시라면 신축 대비 자신의 집이 갖는 장점(위치, 규모, 상태 등)을 부각시키시면 유리합니다. 만약 ‘새집’으로 업그레이드를 고려 중이시라면, 지금 신축 물량이 많아졌을 때 매도 및 매입을 동시에 검토하시는 것도 좋습니다. 바이어 입장 바이어분들께는 지금이 좋은 타이밍일 수 있습니다. 과거보다 신축 물건이 많아졌고, 공급이 천천히 증가하고 있다는 것은  협상이 가능해지는 환경 이라는 뜻입니다. 특히 시카고/일리노이 지역에서 동네별 신축 프로젝트와 기존 주택 물건을 비교해 보면 더 좋은 조건을 찾을 수 있는 기회가 많아졌습니다. 모두에게 공급이 많아진다고 해서 무조건 시장이 하락한다는 뜻은 아닙니다. 오히려 시장이  정상화되며 균형을 되찾아가는 과정 으로 보는 것이 더 합리적입니다.따라서 지금은  시장 흐름에 대응하며 행동할 타이밍 입니다. 마무리하며 지금 많이 보이는 신축 주택 물량이 ‘붕괴 직전의 신호’라고 판단하기보다는,  수요 부족을 메우기 위한 건설업체의 조절된 움직임 으로 인식하시면 좋겠습니다. 시카고/일리노이 지역에서도 이 흐름은 비슷하게 적용됩니다.셀러이시라면 지금 매도 전략을 재점검하셔야 하고, 바이어이시라면 매수 기회를 정확히 포착하실 수 있습니다. 시장이 움직일 때, 준비된 분이 가장 유리합니다.언제든지 지역 맞춤 상담이 필요하시면 연락 주세요. ‘시카고 복덕방 한상철’ 773-717-2227,  ChicagoBDB@gmail.com

With new construction banners and job sites popping up around the city, many people are wondering: “Are we heading into another oversupply problem?” The data says  no  — in fact, it suggests builders are  pulling back  rather than pushing too hard. 📉  Building Permits Have Dropped for 8 Straight Months According to the latest data from the National Association of Home Builders (NAHB),  single-family building permits have declined for eight consecutive months . This is one of the clearest signs that builders are  not  repeating the “build now, sell later” approach we saw before the 2008 crash. Instead, builders today are slowing construction, watching demand closely, and avoiding the kind of aggressive expansion that once led to a market collapse.In short:  we’re not seeing the early signs of dangerous oversupply. 🏦  Why This Moment Is Different From 2008 Before the 2008 housing crisis, builders kept ramping up construction even as demand was already falling.This mismatch led directly to price crashes nationwide. But today’s situation is the opposite: The U.S. has been  under-building for more than a decade Much of the current “increase” in new homes is simply  catching up to years of shortage New construction is rising from a  low baseline , not an overheated one This means the uptick in visible construction is closer to a  healthy correction , not a warning sign. 📍  Regional View: Similar Trend Across Most Markets While certain hot markets have more new construction activity, the  nationwide trend remains clear : building permits are falling almost everywhere. Here in  Chicago and across Illinois , the data does  not  support a scenario where new builds would crash the market. Instead, buyers simply have more choices — which can actually stabilize the market. 🎯  Strategic Takeaways for Sellers & Buyers 🔶  For Sellers Even if you’re hearing about more new construction, it’s still a  strong  moment to sell. More options for buyers =  more potential eyes on your home Highlight your home’s strengths: location, size, updates, neighborhood character If you’re thinking about moving into a newer home, this is a great moment to  sell and upgrade at the same time 🔷  For Buyers This may be one of the most favorable windows we’ve seen recently. More new homes + slow, steady supply growth =  better negotiation conditions Comparing new builds and existing homes across Chicago neighborhoods gives buyers much stronger leverage More choices = more opportunities to find the  right  home, not just the  available  home 🤝  For Everyone More supply does  not  automatically mean a price crash.In today’s environment, it signals that the market is  moving toward balance after years of shortage . This is the time to pay attention — and act strategically. If you want advice tailored to your neighborhood or situation, I’m here to help. 📞  773-717-2227 ✉️  ChicagoBDB@gmail.com “Chicago Real Estate – Sangchul Han”

최근 미국 전역에서 임차인 중심의 주거 형태가 뚜렷해지고 있다는 보고가 있습니다. 주택을 소유하는 대신 렌트를 선택하는 사람이 늘어나면서, 셀러(매도자)와 바이어(매수자) 모두에게 새로운 기회가 생기고 있습니다. 특히 시카고·일리노이 지역에서도 이 경향이 시장 전략을 바꿔야 할 신호로 읽힙니다. 왜 ‘렌터 중심’으로 가고 있을까요? 주택 보유 비용이 꾸준히 상승하고 있는 가운데, 임차인으로 머무는 것이 더 현실적이라는 판단이 늘고 있다고 합니다. 예컨대, 주택 구입에 필요한 다운페이먼트, 높은 모기지 이자, 세금 및 유지보수 비용 등을 고려하면 렌트가 부담을 덜 수 있는 선택지로 떠오르고 있다는 분석입니다.또한 최근 집을 사기보다 렌트로 머무르는 사람이 많아지는 만큼, 주택 매물 부족과 가격 상승이 이어져 온 시장에서 ‘집을 사야 한다’는 전통적 사고방식이 약간씩 바뀌고 있습니다. 시카고·일리노이 시장에서 참고하실 점 시카고 및 일리노이 지역은 중서부 특징상 주택 공급이 상대적으로 안정적이지만, 팬데믹 이후 인구 흐름과 이사 수요 변화, 그리고 렌터 수요 증가로 인해 몇 가지 주목할 만한 흐름이 있습니다. 렌터 수요 증가로 다가구(multifamily) 주택 및 콘도·타운하우스의 임대시장 관심이 높아지고 있습니다. 매물 회전율이 낮아지고 주택 가격 및 렌트 가격 간 간극이 커지고 있기 때문에, 집을 보유하고 계신 셀러께서는 ‘렌트 활용’ 또는 ‘넘버링 전략’을 고려해보실 수 있습니다. 바이어로서도 렌트 시장에 머물다가 ‘타이밍’을 보고 매수로 전환하는 전략이 유리해지는 환경입니다. 임차인 증가가 주는 매도자/매수자 전략 기회 셀러 관점 : 전통적으로 집을 팔고 다음 집으로 이동하는 전략이 많은데, 지금처럼 임차인이 많아지는 시장에서는 ‘보유를 통한 임대 수익’도 유리해집니다. 예컨대, 주택을 팔지 않고 렌트로 돌리면 지속적인 현금 흐름을 확보할 수 있고, 이후 매도 타이밍을 노릴 수 있습니다. 바이어 관점 : 현재 렌트로 거주 중이시라면, 주택 구입이 당장 부담스럽더라도 렌트 시장에서 살펴보고 나중에 ‘구입 전환(on-ramp)’ 전략을 세우는 것이 좋습니다. 경쟁이 덜한 시점에 움직이는 것도 가능성이 높아집니다. 두 측면 모두에게 : 렌터 중심으로 움직이는 시장 흐름은 단순히 바이어의 수요뿐 아니라 전체 주택 생태계를 바꾸는 신호입니다. 공급·수요 균형이 바뀌는 시점이므로, 민첩하게 대응하시는 것이 중요합니다. 지금이 행동할 타이밍입니다 임차인의 증가와 렌트 중심 시장으로의 전환은 위기가 아니라  기회 입니다. 시장이 바뀔 때, 변화에 빠르게 적응한 이들이 유리한 고지를 선점합니다.만약 현재 보유하신 주택이 있으시다면 ‘매도’만이 아니라 ‘임대’라는 옵션도 함께 고려해보시길 권해드립니다. 또한 아직 매수를 고민 중이시라면, 렌트로 거주하면서 시장을 ‘관찰’하고 최적의 타이밍에 매수를 실행하는 전략이 효과적일 수 있습니다.시카고·일리노이 지역의 시장 흐름을 반영한 맞춤 전략이 필요하시다면 언제든지 연락 주십시오. ‘시카고 복덕방 한상철’ 773-717-2227,  ChicagoBDB@gmail.com

Across the U.S., a renter-driven housing trend is becoming increasingly clear. More people are choosing to rent instead of buy, creating new opportunities for both sellers and buyers.This shift is especially notable in the Chicago and Illinois markets , signaling that it’s time to rethink traditional real estate strategies. Why Is America Turning “Renter-Centric”? With the ongoing rise in homeownership costs, renting is becoming a more practical choice.High down payments, elevated mortgage rates, property taxes, and maintenance costs all make renting a less burdensome alternative. As more people delay home purchases, housing inventory remains tight and prices stay elevated — subtly transforming the long-held belief that “you must own a home.” Key Takeaways for the Chicago & Illinois Market Midwestern markets like Chicago typically enjoy stable housing supply, but post-pandemic migration and rising rental demand are reshaping local dynamics: Growing renter demand is increasing attention toward multifamily properties, condos, and townhomes . With low inventory turnover and widening gaps between home prices and rent rates, homeowners can benefit from “rent-and-hold” or flexible numbering strategies . Buyers can also gain by renting for now and timing their future purchase more strategically. Opportunities for Sellers and Buyers For Sellers: Instead of selling right away, consider renting your property for consistent cash flow while waiting for an ideal selling window. For Buyers: If purchasing now feels challenging, use the rental period to observe the market and prepare for a smart entry. For Both: The shift toward renter-driven housing isn’t just about demand — it’s a fundamental reshaping of the market ecosystem. Agility and timing are everything. Act Now — Change Brings Opportunity The rise of renters and the move toward a rental-focused market isn’t a threat — it’s an opportunity.Those who adapt quickly to these shifts gain the upper hand. If you currently own a home, consider renting as an additional strategy rather than selling outright.If you’re still renting, use this time to watch the market and plan your next move . For personalized insights and strategies tailored to the Chicago–Illinois housing market , contact: Chicago Bokdeokbang | Hansangcheol (한상철) 📞 773-717-2227 | ✉️ ChicagoBDB@gmail.com

군 복무를 하셨거나, 배우자가 군 복무를 하셨다면 이미 가장 강력한 주택 구매 혜택 중 하나를 누릴 자격이 있으십니다. 바로  다운페이 없이 내 집을 살 수 있는 VA 주택융자(VA Home Loan) 제도입니다. 그런데 안타깝게도, Veterans United의 조사에 따르면 전체 재향군인의 약 70%가 이 제도를 제대로 모르고 있다고 합니다. 즉, 10명 중 7명이 이미 ‘받을 수 있는 혜택’을 놓치고 있는 셈입니다.   오늘은 이 VA 주택융자 제도에 대해 꼭 알아두셔야 할 핵심 내용을 정리해드리겠습니다. VA 주택융자의 주요 장점 VA 주택융자는 지난 80년 가까이 수백만 명의 군 복무자와 현역 장병이 내 집을 마련할 수 있도록 도와왔습니다. 미 재향군인청(Department of Veterans Affairs)은 다음과 같은 세 가지 핵심 장점을 강조합니다.   1️⃣ 다운페이 없이 구매 가능 일반적인 주택융자에서는 5~20%의 다운페이가 필요하지만, VA 대출은  $0 다운페이 로 주택 구입이 가능합니다. 오랜 기간 저축하지 않아도 즉시 구매할 수 있는 큰 장점입니다.   2️⃣ 초기 비용(클로징 코스트) 절감 VA는 군 복무자가 부담해야 하는 클로징 항목을 제한합니다. 이로 인해 구매자가 현금 유동성을 유지하면서 거래를 마무리할 수 있습니다.   3️⃣ PMI(모기지 보험료) 면제 일반 융자에서는 LTV 비율이 높을 경우 PMI를 매달 납부해야 하지만, VA 대출은 PMI가 없습니다. 그만큼 월 납입 부담이 줄어듭니다.   이 세 가지 혜택은 군 복무자와 그 가족이 안정적인 주거를 확보하고, 장기적으로 자산을 형성하는 데 매우 큰 도움이 됩니다.   정부 셧다운 중에도 VA 대출은 가능할까?  최근 정부 셧다운 이슈로 인해 “지금은 VA 대출이 중단된 것 아니냐”는 오해가 퍼졌습니다. 하지만 Veterans United는 명확히 밝히고 있습니다.   > “정부 셧다운이 VA 주택융자에 미치는 영향은 매우 제한적입니다. 대출기관은 여전히 감정평가(Appraisal) 요청, 자격증명서 발급(Certificate of Eligibility), VA 펀딩피 납부 등을 진행할 수 있습니다. 즉, VA 대출을 이용한 구매나 리파이낸스가 가능합니다.”   즉, 정부 셧다운 중이라도 VA 대출은 정상적으로 진행됩니다. 다만 일부 행정 절차가 평소보다 조금 늦어질 수는 있습니다.   믿을 수 있는 에이전트와 렌더의 역할 VA 대출은 절차가 일반 대출보다 조금 더 세분화되어 있기 때문에, VA 프로그램을 잘 아는 리얼터와 렌더(대출기관) 를 선택하는 것이 무엇보다 중요합니다. VA News는 이렇게 조언합니다.   > “VA 대출 프로세스를 이해하는 ‘밀리터리 친화적인(military-friendly)’ 브로커나 에이전트를 선택하는 것이 성공적인 주택 구매의 핵심입니다. 대출기관과의 소통이 원활할수록 클로징까지의 과정이 훨씬 매끄럽습니다.”   즉, 경험 많은 에이전트와 렌더가 함께한다면 신청, 감정평가, 승인, 클로징까지 전 과정을 빠르고 안전하게 마무리할 수 있습니다.   마무리 VA 주택융자는 군 복무로 얻을 수 있는  가장 강력한 금융 혜택 중 하나 입니다. 다운페이 없는 구매, 낮은 초기 비용, PMI 면제 등은 어느 융자 상품에서도 쉽게 찾기 어렵습니다.   지금 군 복무자나 재향군인이시라면, 이 혜택을 꼭 활용하시길 권해드립니다. VA 대출에 대해 더 알고 싶으시다면, 신뢰할 수 있는 렌더나 리얼터와 상담해보십시오. 여러분의 헌신이 더 안정적인 미래로 이어질 수 있도록 돕겠습니다.   ‘시카고 복덕방 한상철’ 773-717-2227, ChicagoBDB@gmail.com

If you’ve served in the military — or your spouse has — you may already qualify for one of the most powerful homebuying benefits in the U.S. :the VA Home Loan , which allows eligible service members and veterans to buy a home with $0 down payment. Yet, according to Veterans United, nearly 70% of eligible veterans aren’t fully aware of this benefit — meaning 7 out of 10 are missing out on something they’ve already earned. Here’s what every veteran and military family should know. 🏠 Key Advantages of the VA Home Loan For nearly 80 years, the VA Home Loan program has helped millions of veterans and active-duty service members achieve homeownership.The U.S. Department of Veterans Affairs highlights three main benefits: 1️⃣ No Down Payment Required Most conventional loans require 5–20% down. With a VA loan, you can purchase a home with $0 down , making it easier to buy without years of saving. 2️⃣ Lower Upfront Costs The VA limits what closing costs veterans can be charged, helping buyers keep more cash on hand for moving and maintenance. 3️⃣ No PMI (Private Mortgage Insurance) Conventional borrowers often pay PMI when their down payment is under 20%. VA loans completely waive PMI , lowering your monthly payment significantly. These benefits help veterans and their families achieve stable housing and long-term wealth — without the usual financial barriers to homeownership. 🇺🇸 VA Loans During a Government Shutdown With recent shutdown news, some have wondered whether VA loans are paused.The good news: they are not. Veterans United confirms: “The impact of a government shutdown on VA home loans is very limited.Lenders can still request appraisals, obtain Certificates of Eligibility, and process funding fees.VA purchase and refinance loans continue to move forward.” In other words, even during a government shutdown, VA loan applications and approvals remain active — though some administrative steps may take slightly longer. 🤝 The Importance of Working With the Right Agent and Lender Because VA loans follow specialized procedures, it’s essential to work with a real estate agent and lender experienced in VA transactions. VA News advises: “Choosing a military-friendly agent or broker who understands the VA process is key to a successful purchase.Strong communication between your agent and lender ensures a smooth closing.” With the right professionals, every step — from pre-approval to appraisal to closing — moves faster and more efficiently. 💬 Final Thoughts The VA Home Loan remains one of the most valuable financial benefits available to those who have served our country.Zero down payment, reduced closing costs, and no PMI are benefits few other loan programs can match. If you’re a service member, veteran, or military spouse, take advantage of this opportunity to build long-term stability and home equity. For personalized guidance and local market expertise, reach out anytime — your service deserves every benefit possible. Chicago Real Estate – Hansangcheol (한상철) 📞 773-717-2227 📧 ChicagoBDB@gmail.com