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최근 발표된 뉴스에 따르면, 전국의 주택건설업체 심리가 National Association of Home Builders(NAHB) 주택시장지수(HMI)를 통해 38포인트로 나타났으며 이는 중립치(50포인트) 밑으로 19개월 연속 떨어져 있는 상태입니다.  특히 노사(勞使) 관계 및 건축자재 비용, 인건비 상승 등이 건설업체들의 신축 주택 공급 확대를 꺼리는 원인으로 분석되었습니다. 이처럼 건설업체가 조심스러운 태도를 보인다는 것은  향후 신축물량이 빠르게 늘지 않을 가능성 을 뜻하고, 결과적으로 기존 주택시장에선 공급 압박이 덜해질 수 있다는 신호입니다. 일리노이/시카고 지역 셀러와 바이어에게 주는 의미 셀러 입장 : 기존 주택을 보유하고 계신 분들은 “신축 공급 급증으로 가격이 곤두박질칠 것”이라는 우려보다는 “신축이 쉽게 늘어나지 않을 수 있다”는 점을 고려하시면, 지금 매도 시점을 더 진지하게 고려해볼 수 있습니다. 바이어 입장 : 마찬가지로 매수자분들께는 “신축에 기대했던 공급 증가가 지연될 수 있다”는 점이 악재가 될 수 있습니다. 공급이 빠르게 늘어나지 않는다는 것은 가격 협상이나 조건 설정에서도 불리한 루트를 만들 수 있다는 뜻입니다. 아무래도 공급이 확 늘지 않을 징조이니까요 또 하나의 참고 포인트: 연방주택저당공사 자료 → 직접적 일리노이 수치 한편, 최근 Bankrate가 일리노이 주의 모기지 금리를 조사한 결과, 30년 고정형 모기지 평균 금리가 약 6.40% 수준인 것으로 나타났습니다. 이 수치는 전국 평균과 유사하면서도 여전히 과거 저금리 시기보다는 높은 상태입니다.모기지 금리가 유리한 수준으로 내려가면 바이어에게 진입 문턱이 낮아져 수요가 증가하여 셀러마켓을 부추길 수 있습니다. 특히, 공급이 느슨해지면 조건 조건에서는 그 상황이 가속화 될 것입니다. 하지만 높은 모기지 이자율이 이 상황을 늦추는데 영향을 주고 있습니다. 셀러·바이어를 위한 전략 제언 셀러분들께 보유 중인 주택이 있고 매도를 고려 중이시라면  신축 경쟁이 크게 늘어날 것이라는 과도한 우려보다는  지금 보유하신 자산이 갖는 장점을 재점검하시는 게 좋습니다. 예컨대 위치, 상태, 학교구역, 인프라 등을 중심으로 마케팅 전략을 세우시면 좋습니다. 또한, 향후 공급이 빠르게 증가하지 않을 수 있다는 점을 고려해  지금이 출구 시점이 될 수 있다 는 접근이 가능합니다. 준비된 매물이 미리 나올 경우 협상 우위가 있을 수 있습니다. 바이어분들께 매수를 고려 중이시라면 지금  공급이 크게 늘어나지 않을 가능성 을 전략적으로 활용하실 수 있습니다. 예컨대 관리자나 판매자가 ‘지금 나도 나와야겠다’고 마음 먹는 순간이 매수에 유리한 타이밍이 될 수도 있습니다. 하지만 전반적으로는 셀러마켓이 지속될 것이라는 것을 기억하고 계셔야 합니다. 마무리 최근 건설업체 심리 약화와 일리노이 지역 모기지 금리 수준은 셀러와 바이어 모두에게 기회를 제공하고 있습니다. 셀러분들께는 지금이 매도 타이밍일 수 있고 ,  바이어분들께는 지금이 진입하거나 조건을 유리하게 만드는 타이밍일 수 있습니다 . 하지만 셀러마켓을 지속될 것입니다. 시장에 대한 막연한 불안보다는 현실 데이터를 바탕으로 전략을 수립하시길 권해드립니다. 언제든 시카고·교외지역 맞춤 상담이 필요하시면 연락 주세요. ‘시카고 복덕방 한상철’ 773-717-2227,  ChicagoBDB@gmail.com

Recent national reports show that homebuilder sentiment has dropped again, with the National Association of Home Builders (NAHB) Housing Market Index (HMI) sitting at  38 —well below the neutral benchmark of 50.This marks the  19th consecutive month  that builder confidence has remained under neutral territory. According to analysts, several factors are contributing to this cautious outlook: Labor and contracting challenges Higher material costs Rising wages Uncertainty around demand When builders hesitate, it often signals that  new construction will not expand rapidly  in the near term.For Illinois and the Chicago metro market, this slower pace of new supply can have significant implications for both sellers and buyers. 🏙️  What This Means for Sellers & Buyers in Illinois / Chicago 🔶  For Sellers The slowdown in builder activity means the market is less likely to be flooded with new construction any time soon.Instead of worrying about “too much new supply pushing prices down,” sellers with existing homes can view this as a  strategic moment  to: Highlight the strengths of their current home Position themselves ahead of future competition Consider listing before inventory picks up again If you have solid equity built up, this may be a strong window to bring your home to market. 🔷  For Buyers For buyers, the news is mixed: Downside If new construction doesn’t grow quickly, supply will stay tight—meaning the seller’s market could continue longer than expected. Opportunity Buyers who stay prepared may benefit when individual sellers decide, “It’s time to list.”You may find good opportunities  before competition intensifies , especially if you’re ready with financing and realistic expectations. 📉  A Look at Illinois Mortgage Rates Bankrate recently reported that Illinois’ average  30-year fixed mortgage rate is around 6.40% , similar to the national average.While this is still high compared to the historic lows of recent years, any downward movement could quickly: Bring more buyers into the market Increase competition Strengthen the seller’s market even further With supply unlikely to surge, falling rates could accelerate this dynamic. 🎯  Strategic Guidance for Sellers & Buyers 🔶  For Sellers Re-evaluate your home’s current strengths (location, condition, school district, neighborhood amenities). Consider listing  before future inventory increases , positioning yourself with less competition. With builder caution keeping new supply tight, this could be a smart exit point. 🔷  For Buyers Recognize that inventory may not grow as fast as expected. Prepare financing early — being ready when a good listing appears gives you leverage. Keep in mind:  Illinois and Chicago are likely to remain seller-driven markets  until supply meaningfully improves. 🔚  Final Thoughts Weak builder sentiment and current mortgage rate conditions create a unique environment for both sides of the market.Sellers may find this to be an advantageous moment to list, while buyers who prepare early can still position themselves for favorable terms. Instead of relying on fear or speculation, use real data to guide your next move. For tailored advice on the Chicago and suburban markets: 📞  773-717-2227 ✉️  ChicagoBDB@gmail.com Chicago Real Estate - Sangchul Han

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