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요즘 바이어들 사이에서 가장 흔한 질문 중 하나는 “이자율이 예전처럼 3%대로 다시 떨어질까요?”  입니다. 이 질문은 많은 분들이  집을 사는 시기 를 결정할 때아직도 2020~2021년의 초저금리 시절을 기준점으로 삼고 있다는 사실을 보여줍니다. 하지만 현실은 다릅니다.그때의 3%대 금리는  특수한 상황 속에서 한시적으로 주어진 혜택 이었고,지금은  경제가 완전히 다른 국면에 진입 했습니다. 3%대 이자율은 예외적인 순간이었습니다 2020~2021년, 팬데믹 한복판에서 미국 정부와 연준은경기 부양을 위해 역사상 유례없는 저금리 정책을 시행했습니다.그 결과, 모기지 이자율은 일시적으로 3% 안팎까지 떨어졌습니다. 하지만 현재 미국 경제는 성장세를 보이고 있고,인플레이션과 고용지표 또한 과거와 다른 흐름을 보이고 있습니다. 그래서 전문가들은  이자율이 중·단기적으로 3%대로 다시 돌아갈 가능성은 매우 낮다 고 보고 있습니다.Zillow의 수석 이코노미스트 Kara Ng는 예상치 못한 경제 충격이 없다면, 올해 말 이자율은 6% 중반대로 안정될 가능성이 높다 고 전망했습니다. 계속 기다리는 동안 놓치는 기회들 많은 바이어들이  이자율이 떨어지기만을 기다리며 집 구매를 미루고  있지만,이런 전략은 되레  더 큰 손실을 초래할 수 있습니다. 왜냐하면: 이자율이 떨어지면 바이어 경쟁이 다시 치열해질 가능성이 높고 집값과 렌트비는 계속 오르고 있으며 시장에 매물은 늘어나고 있지만, 바이어가 다시 몰리면 이 기회는 금세 사라질 수 있기 때문입니다. Realtor.com은 이에 대해 이자율 하락을 기다리느라 시장에 진입하지 못하면, 결국 더 높은 집값과 경쟁, 인플레이션의 영향을 받을 수 있다 고 조언했습니다. 지금 필요한 건 ‘기다림’이 아니라 ‘계획’입니다 지금은  시장을 피할 시기 가 아니라, 현실에 맞는 전략을 세워 실행에 옮길 시기 입니다. 우선 바이어 여러분이 하실 수 있는 일은 다음과 같습니다: 현재  예산과 월 납입액  점검하기 크레딧 점수 개선 을 위한 준비 모기지 옵션 및 다운페이 보조 프로그램  확인 경험 있는 부동산 에이전트 및 렌더와의 상담 을 통한 전략 세우기 특히 시카고와 일리노이 지역은 타 대도시 대비  상대적으로 집값이 안정적이고 매물 선택폭이 넓어지고 있는 상황 이라, 지금 같은 시장에서 계획적으로 움직이는 바이어 가 향후 더 유리한 고지를 점할 수 있습니다. 마무리 3%대 모기지 이자율은  예외적인 상황에서 주어진 선물 이었습니다.이제는 현실적인 시각으로  현재 시장에 맞는 전략을 세우는 것 이 중요합니다. 지금의 이자율도 장기적으로 보면 나쁘지 않은 조건이며,경쟁이 덜할 때 움직이는 바이어가 결국  더 좋은 집과 조건 을 확보하게 됩니다. 집을 사고 싶다면, 기다리지 말고 계획부터 세워보시기 바랍니다. 현명한 바이어는 ‘시장을 기다리는 사람’이 아니라,‘시장에 먼저 움직이는 사람’입니다. 시카고 및 일리노이 지역에서 내 집 마련, 지금부터 함께 준비하실 수 있습니다. 📞 시카고 복덕방 한상철 773-717-2227 📧  ChicagoBDB@gmail.com

One of the most common questions among homebuyers today is: “Will mortgage rates ever drop back to the 3% range?” This question reveals that many people are still using the ultra-low interest rates of 2020–2021 as their benchmark when deciding whether it’s the right time to buy a home. But the reality is quite different. 3% Rates Were a Historical Exception During the height of the pandemic, the U.S. government and Federal Reserve rolled out unprecedented stimulus measures. One result was mortgage rates dipping to around 3%—a rare and temporary phenomenon. Today, however, we’re in a completely different economic environment. The U.S. economy is showing steady growth, and both inflation and employment trends have shifted significantly. As a result, experts agree that a return to the 3% range is highly unlikely in the near or mid-term. Kara Ng, Chief Economist at Zillow, predicts that—barring any major economic shocks—mortgage rates will likely stabilize around the  mid-6% range by the end of this year . Opportunities You May Miss While Waiting Many potential buyers are choosing to “wait it out,” hoping for lower rates. But this strategy could backfire: If rates drop,  competition among buyers will spike again Home prices and rents are already on the rise Although more listings are hitting the market now,  those opportunities may vanish quickly once buyer demand returns According to Realtor.com , delaying a purchase in hopes of falling rates could mean facing  higher prices, more bidding wars, and greater financial pressure  down the road. What You Need Now Is a Plan—Not More Waiting This is not the time to avoid the market—it’s the time to enter it with  a smart, realistic plan . Here’s what you can do: Review your budget and assess your  monthly payment comfort level Work on improving your credit score Explore  mortgage options and down payment assistance programs Connect with a trusted  real estate agent and lender  to develop a tailored strategy Especially in the  Chicago and Illinois areas , where home prices remain relatively stable compared to other major cities, smart and prepared buyers have a real advantage. Bottom Line The 3% mortgage era was a gift brought by extraordinary circumstances. Now it’s time to move forward with a clear-eyed view of today’s market. Today’s rates are still historically reasonable—and acting  before the competition heats up again  could be your smartest move. If you’re thinking about buying a home, don’t wait for the perfect rate. Start building your plan. In today’s market,  successful buyers aren’t the ones who wait—they’re the ones who move early and wisely. Let’s start planning together for your homeownership journey in  Chicago or Illinois  today. 📞 Hans Chul Han – Chicago BDB 📧  ChicagoBDB@gmail.com 📱 773-717-2227

요즘 부동산 관련 뉴스를 보면, 불안감을 자극하는 헤드라인이 넘쳐납니다.집값은   다시   오를까 ? 이자율은   언제쯤   내려갈까 ? 혹시   부동산   시장이   붕괴되는   건   아닐까 ? 이런 기사들을 계속 보다 보면, 지금 집을 사는 것이 과연 옳은 결정일까? 하는 의문이 드는 것도 당연합니다. 하지만 한 가지, 뉴스에서 충분히 조명하지 않는 사실이 있습니다. 부동산은 언제나 ‘장기전’이라는 점 입니다. 12년 연속, 부동산은 '미국인이 뽑은 최고의 장기 투자' 최근 발표된 갤럽(Gallup)의 연례 조사에 따르면, 부동산은 12년 연속 '미국 최고의 장기 투자처'로 뽑혔습니다. 이는 금, 주식, 채권을 모두 제친 결과입니다.특히 올해는 4월에 주식과 채권 시장이 요동쳤던 시기였기에 이 결과가 더 주목받고 있습니다. 갤럽은 이렇게 설명합니다. "주식과 채권 시장의 변동성 속에서도 부동산에 대한 선호는 여전히 가장 높게 나타났다. 금에 대한 관심이 소폭 상승했지만, 부동산은 12년 연속 1위를 유지했다." 이 결과는 단순한 여론이 아니라,  부동산의 안정성과 가치 상승 가능성 을 뒷받침하는 중요한 지표입니다. 단기적인 뉴스보다, 장기적인 흐름에 주목해야 합니다 물론 최근 몇 달간 일부 지역에서는  집값 상승세가 다소 완만해졌고 ,앞으로도  일부 마켓에서는 가격이 잠시 보합세를 보일 수 있습니다 . 하지만 부동산 시장은 항상  단기보다는 장기적인 시각으로 접근해야  합니다. 시카고 및 일리노이 지역만 보더라도, 팬데믹 이후 집값은 꾸준히 상승해 왔으며장기 보유 시 자산 가치가 누적된다는 점에서 여전히 매력적인 투자처로 평가받고 있습니다. 부동산은 ‘자산’이자 ‘가정의 기반’입니다 First American의 수석 이코노미스트 Sam Williamson은 이렇게 말합니다. 주택은 단순한 거주 공간이 아니라, 많은 가정에 있어 가장 중요한 재정적 자산이며 장기적인 부를 쌓는 기반이 된다 고 강조합니다. 그 말처럼, 부동산은 단기적인 수익보다 안정적인 가치 상승과 세대 간 자산 축적이라는 강력한 장점을 지닌 투자처 입니다. 지금이 좋은 시점일까요? 이자율이 높고 시장이 변화하고 있는 시기이기에 불안하실 수 있습니다.하지만 전문가와 함께 전략적으로 접근한다면, 지금도 충분히 유리한 조건에서 내 집 마련이 가능합니다. 예를 들어 일부 지역에서는 셀러가 크레딧을 제공하거나 가격을 조정하는 사례도 늘고 있고,시카고 지역에서도  상대적으로 경쟁이 덜한 시기에 좋은 조건으로 주택을 구매하려는 바이어 들이 움직이고 있습니다. 마무리 부동산은 단기적 이익이 아닌 장기적인 자산 형성을 위한 투자입니다. 지금 시장이 흔들린다고 해서, 집을   사는   것   자체가   잘못된   결정은   아닙니다. 미국인들은 12년 연속으로  부동산을 최고의 장기 투자처 라고 평가해 왔습니다.당신도 그 긴 흐름 속에서 한 걸음을 내딛어 보시는 건 어떨까요? 시카고 및 일리노이 지역의 내 집 마련, 함께 계획해 드립니다. 전문가와 함께라면 시장의 불확실성 속에서도 길이 보입니다. 📞 시카고 복덕방 한상철 773-717-2227 📧  ChicagoBDB@gmail.com

If you've been reading real estate news lately, you're probably seeing a flood of anxiety-provoking headlines: “Will home prices go back up?”“When will interest rates drop?”“Is the housing market heading for a crash?” With this kind of media coverage, it’s only natural to start questioning: Is now really a good time to buy a home? But here’s one fact that rarely gets the spotlight: Real estate is—and always has been—a long game. 🏆  For 12 Straight Years, Real Estate Has Been Voted America’s Best Long-Term Investment According to Gallup’s latest annual survey,  real estate was ranked the #1 long-term investment by Americans—for the 12th year in a row. It beat out gold, stocks, and bonds— again —even during a volatile April for the financial markets. Gallup reports: “Despite turbulence in stocks and bonds, real estate continues to be the most favored investment. Interest in gold rose slightly, but real estate held strong for the 12th year running.” This isn’t just public opinion—it reflects the  long-term value, stability, and performance  of real estate as an asset class. 🔍  Focus on the Long Term—Not the Short-Term Noise Yes, in some markets, price growth has slowed.Yes, mortgage rates are higher than in recent years.And yes, uncertainty makes headlines. But remember: Real estate is best approached with a long-term perspective. Even in Chicago and across Illinois, home prices have risen steadily post-pandemic. Over time,  equity builds, wealth accumulates, and stability grows —especially when you hold your home over the long run. 🏠  Your Home Is More Than a Place—It’s a Foundation for Wealth As Sam Williamson, chief economist at First American, puts it: “A home isn’t just a place to live—it’s a family’s largest financial asset and a foundation for long-term wealth.” That’s the power of real estate: It’s not about flipping for short-term profit. It’s about  security, appreciation, and multigenerational value. 💡  So, Is Now a Good Time? Yes— with the right strategy and guidance. While higher rates and shifting markets raise questions, there are still excellent opportunities. In some areas, sellers are offering credits or price adjustments. In places like Chicago, buyers are finding  less competition  and  stronger negotiating power. With a knowledgeable agent and a smart plan,  you can still buy well—even now. 🔑  Final Thought Real estate is not a short-term gamble—it’s a long-term investment in your future.And for 12 straight years, Americans have voted it the  most trusted  one. Maybe it’s time to take your first step. 📍 Buying in Chicago or Illinois?Let’s create a smart, personalized plan together. 📞 Han Sangchul – Chicago Realty Expert | 773-717-2227 📧  ChicagoBDB@gmail.com

최근 집을 사려는 분들 중에서  “대형 투자자들이 시장을 장악해서 일반 구매자들이 경쟁하기 어려워졌다” 라고 걱정하는 분들이 많습니다.하지만 사실은 다릅니다.  현재 투자자들의 주택 구매 비율은 오히려 감소하는 추세이며, 일반 구매자들이 생각하는 것만큼 시장을 장악하고 있지 않습니다. 오늘은  이런 오해를 바로잡고, 실제 데이터를 바탕으로 현재 부동산 시장의 현실 을 살펴보겠습니다. 1️. 투자자의 대부분은 대형 투자자가 아니다 많은 사람들이  월스트리트의 대형 투자자(Wall Street Investors)가 시장을 독점하고 있다 고 생각하지만,실제로는  대부분의 투자자들이 소규모 개인 투자자 들입니다. ✔  Mortgage Reports 에 따르면, 소규모 개인 투자자(Small Investors)가 전체 시장의 약 18%를 차지 대형 기관 투자자(Mega Investors)의 비율은 단 1%에 불과 즉, 대다수의 부동산 투자자는  평범한 개인들 입니다.✔ 가족이 추가로 한두 채의 주택을 보유하고 임대하는 경우✔ 휴가용 별장을 보유한 소규모 투자자 이처럼  부동산 투자자들은 대기업이 아니라, 우리 주변의 평범한 사람들이 대부분 이라는 점을 기억해야 합니다. 2️. 투자자들의 주택 구매가 줄어들고 있다 ✔ 팬데믹 동안에는  대형 투자자들이 활발하게 주택을 매입 했지만, 최근 그 흐름이 완전히 바뀌었습니다.✔ 특히,  금리가 상승하고 주택 가격이 높아지면서, 투자자들의 매입 활동이 줄어들고 있습니다. 📌  John Burns Research and Consulting(JBREC)에 따르면: 2022년 2분기(전성기 시기)에 대형 투자자들은 전체 주택 매매의 2.4%를 차지 2024년 3분기에는 0.3%로 급감 즉, 대형 투자자들은  이전보다 훨씬 덜 적극적으로 부동산을 매입하고 있으며, 현재 시장에서의 영향력도 낮아진 상태 입니다. ✔  왜 이런 변화가 생겼을까요? 높은 모기지 금리 로 인해 투자자들이 자금을 조달하는 비용이 증가 주택 가격이 상승 하면서 투자자들의 수익률이 낮아짐 이로 인해  대형 투자자들이 주택 매입을 줄이고, 시장에서 물러나고 있음   3️. 일반 구매자들에게 더 많은 기회가 생겼다 많은 사람들이  “투자자들이 집을 독점하고 있어서 내가 원하는 집을 살 수 없다” 고 생각하지만,실제 데이터는  지금이 일반 구매자들에게 더 유리한 시기 임을 보여줍니다. ✔ 대형 투자자들이 시장에서 빠져나가면서  일반 주택 구매자들이 경쟁해야 할 상대가 줄어듦 ✔ 투자자들이 선호하는  임대용 주택, 리모델링이 필요한 주택 등도 더 쉽게 구매 가능 즉,  예전보다 훨씬 더 많은 기회가 열리고 있으며, 경쟁이 줄어든 지금이 내 집 마련을 위한 좋은 시기가 될 수도 있습니다.   결론 – 월스트리트 투자자들이 시장을 독점하고 있다는 것은 오해입니다 ✅  대부분의 부동산 투자자는 소규모 개인 투자자이며, 대형 기관 투자자의 비율은 매우 낮음 ✅  대형 투자자들의 주택 구매 비율이 최근 몇 년 사이 크게 감소 ✅  일반 구매자들이 투자자와 경쟁해야 하는 부담이 줄어들면서, 주택 구매의 기회가 늘어남 📢  지금이 내 집 마련의 적기일 수도 있습니다. 지역 시장의 상황을 전문가와 상담하고, 현재 어떤 기회가 있는지 알아보세요!

Recently, many people have expressed concerns that  "large investors are dominating the housing market, making it hard for regular buyers to compete."  However, this is not true. In fact, the percentage of housing purchases made by investors has been decreasing, and they are not as dominant in the market as many think. Today, let's clear up this misunderstanding and take a look at the current real estate market based on actual data. 1. Most Investors Are Not Large Institutional Investors Many people believe that large Wall Street investors are monopolizing the market, but in reality, most investors are small individual investors. ✔ According to Mortgage Reports: Small investors make up about  18% of the overall market . Large institutional investors account for just  1% . This means that the majority of real estate investors are regular individuals, not big corporations. ✔ Examples of these investors include: Families owning one or two additional properties to rent out. Small-scale investors who own vacation homes. So, it's important to remember that most real estate investors are ordinary people, not massive corporations. 2. Investor Housing Purchases Are Declining ✔ During the pandemic, large investors were actively buying properties, but this trend has completely reversed recently. ✔ Especially with rising interest rates and high home prices, investor activity has decreased. 📌 According to John Burns Research and Consulting (JBREC): In Q2 2022 (the peak period), large investors accounted for  2.4%  of all home sales. By Q3 2024, this dropped sharply to just  0.3% . In other words, large investors are now much less active in the market, and their influence has significantly diminished. ✔ Why has this change occurred? Higher mortgage rates have increased the cost for investors to finance purchases. Rising home prices have reduced the profitability for investors. As a result, large investors are purchasing fewer properties and stepping back from the market. 3. More Opportunities for Regular Buyers Many people think  “investors are taking over the market, and I can't buy the home I want” , but the actual data shows that this is a better time for regular buyers. ✔ As large investors leave the market, there are fewer competitors for regular home buyers. ✔ Properties that investors prefer, like rental homes or those in need of remodeling, are now more accessible. In short, there are now more opportunities than before, and with less competition, this could be a great time for homebuyers to secure their homes. Conclusion – The Myth of Wall Street Investors Dominating the Market ✅ Most real estate investors are small, individual investors, and the share of large institutional investors is very low. ✅ The percentage of homes purchased by large investors has significantly decreased in recent years. ✅ With fewer investors to compete with, regular buyers now have more opportunities to purchase homes. 📢 This could be a great time to buy your home. Consult with a local expert to understand the current market and explore the opportunities available!

최근 집값은 높고, 모기지 이자율도 좀처럼 떨어지지 않아 지금   집을   사는   게   맞을까 하는 고민을 많이 하셨을 겁니다. 단기적으로는 렌트가 더 안전해 보이기도 하고, 월세가 오히려 저렴한 지역도 있으니 당연한 생각입니다. 하지만 한 가지 꼭 기억하셔야 할 점이 있습니다. 렌트는 당장 부담이 적어 보여도, 장기적으로는 훨씬 더 큰 비용이 될 수 있다는 것 입니다. 렌트는 지금 당장은 편할 수 있습니다. 하지만 미래는 어떨까요? Bank of America의 최근 설문에 따르면,  향후 주택 구매를 원하는 사람들의 70%가 장기 렌트가 자신들의 미래 재정에 부정적인 영향을 줄 것 같다고 걱정 하고 있다고 합니다.그리고 이 걱정은 괜한 불안이 아닙니다. 주택 소유는 단순히 거주 공간을 확보하는 것이 아닙니다. 장기적인 부(wealth)를 쌓는 수단 입니다. 시간이 흐를수록 주택은 자산이 됩니다   전국적으로는 물론, 시카고와 일리노이 지역 역시 장기적으로 보면  주택 가격은 꾸준히 상승해 왔습니다 .그래서 지금 당장 집을 사는 것이 부담스러울 수 있어도, 그   집의   가치는 시간이 지날수록 오를 가능성이 높습니다. 게다가 주택을 소유하게 되면, 모기지 원금 상환과 함께 자연스럽게  집에 대한 지분(에쿼티) 이 쌓이게 됩니다.이 에쿼티는 결국  당신의 순자산(net worth) 이 되어 돌아옵니다.   현재 미국 평균을 보면,  주택을 소유한 사람의 순자산은 렌트하는 사람보다 거의 40배  더 높다고 합니다.이 수치는 결코 무시할 수 없는 차이입니다. 렌트가 주는 가장 큰 손해는 ‘아무것도 남지 않는다’는 점입니다 렌트는 매달 부담을 덜어주는 대신, 그 돈은 결국 사라지는 소비입니다.나의   자산이   되지   않고 , 집주인의   자산을   대신   불려주는   셈이죠 . 반면 주택 구매는 부담이 있지만,  그 부담이 시간이 지나면 자산으로 바뀝니다 .그래서 많은 전문가들이  지금이 아니라도, 반드시 장기적인 플랜을 세워야 한다 고 조언합니다. 즉, 지금은 예산 문제로 인해 렌트를 유지하는 것이 현실적으로 더 쉬울 수 있지만,주택을 소유함으로써 얻는  에쿼티와 세대 간 부의 축적 을 생각하면장기적으로는 구매가 훨씬 더 좋은 선택이 될 수 있다고 말합니다. 시카고 지역도 예외는 아닙니다 2025년 현재, 시카고 지역도 렌트비는 여전히 높은 수준을 유지하고 있으며,많은 바이어들이 높은 이자율 때문에 망설이고 있습니다. 하지만 최근 일부 지역에서는 바이어 유치를 위한 셀러의 가격 조정,크레딧 인센티브, 또는 바잉다운 옵션 등 다양한 기회가 생겨나고 있습니다. 지금 바로 집을 사지 않더라도,  “언제 사는 것이 가장 유리한가”에 대한 계획은 지금부터 세워야  합니다. 마무리 지금 집을 사는 것이 어렵게 느껴질 수 있습니다.하지만 렌트만 계속할 경우, 시간이 지나도  당신의 자산은 쌓이지 않습니다 . 당신은   지금   누구의   모기지를   갚고   계신가요 ? 집주인의   것인가요 , 아니면   당신   자신의   것인가요 ? 지금 당장 집을 사야 한다는 것이 아닙니다. 하지만 언젠가는 반드시 내 집을 가져야 한다는 확고한 플랜은 지금부터 시작해야 합니다. 시카고에서 내 집 마련 계획을 시작하고 싶으신가요? 당신만의 상황에 맞는 전략을 함께 세워드립니다. 📞 시카고 복덕방 한상철 773-717-2227 📧  ChicagoBDB@gmail.com

With today’s high home prices and stubborn mortgage rates, it’s no surprise many are wondering: Is now the right time to buy?Would continuing to rent be the safer bet? In the short term, renting may seem more manageable—especially in areas where rent feels cheaper than a monthly mortgage. But there’s one key thing to keep in mind: 💡  Rent may feel less burdensome now, but in the long run, it can cost far more. Rent Might Feel Easy Now — But What About the Future? According to a recent Bank of America survey,  70% of future homebuyers  believe long-term renting will negatively impact their financial future.And they’re not wrong. Homeownership isn’t just about having a place to live—it’s one of the  most powerful tools for building long-term wealth . Homes Become Assets Over Time Nationwide—and even here in Chicago and across Illinois— home prices have steadily risen over time . So while buying a home today might feel like a stretch, there's a strong chance its value will grow in the coming years. Plus, with each mortgage payment, you build  equity —your share of ownership in the home. That equity becomes a part of your  net worth . Did You Know? On average,  U.S. homeowners have nearly 40 times more wealth than renters . That’s a staggering difference—and it’s not by accident. The Biggest Loss in Renting? Nothing to Show for It Rent helps cover your monthly expenses—but that money is gone.You ’re not building anything. You’re helping your landlord build wealth instead. Buying a home might feel like a financial burden at first,but that “burden” turns into your  future asset . That’s why many experts say:Even if you’re not ready to buy  now , you need to start planning  today . If you consider the  equity growth  and  generational wealth potential  of owning a home,the long-term benefits of buying almost always outweigh renting. Chicago Isn’t an Exception As of 2025,  Chicago rental prices remain high , and many buyers are still hesitant due to interest rates. But we’re also seeing more opportunities: Sellers offering  price reductions Credit incentives  at closing Rate buydown options  to lower monthly payments Even if you’re not ready to buy right now, the time to start asking, “When will it be most favorable to buy?” is  now . In Summary Buying a home may feel overwhelming today.But if you keep renting without a long-term plan, your assets won’t grow. So ask yourself: Whose mortgage are you paying—yours, or your landlord’s? We’re not saying you have to buy today.But we are saying that you need a clear plan to own one day. 🏡  Ready to Start Your Homeownership Journey in Chicago? Let’s build a custom strategy that fits your timeline and your budget. 📞 Contact Hans Han (한상철) at  773-717-2227 📧 Email:  ChicagoBDB@gmail.com

몇 년 전만 해도, 집을 내놓기만 하면 줄줄이 오퍼가 들어오고, 호가보다 훨씬 높은 가격에 팔리곤 했습니다. 셀러가 원하는 가격을 정하면 바이어들이 알아서 따라오던 시절이 있었죠. 하지만 지금은 상황이 다릅니다. 매물 수가 늘면서 바이어들은 더욱 신중해졌고, 그만큼 집은 더 오래 시장에 머물게 되었으며, 가격을 낮추는 셀러들도 점점 많아지고 있습니다. 이런 시장에서도 성공적으로 집을 팔려면, 가장 중요한 전략 하나가 있습니다.바로 처음부터   가격을   제대로   책정하는   것입니다. 셀러와 바이어의 기대가 엇갈리고 있습니다 Realtor.com이 최근 발표한 설문에 따르면, 셀러의 81%가 자신이 원하는 가격 또는 그 이상으로 팔릴 것이라고 기대하고 있다고 합니다.하지만 실제 거래 데이터를 보면, 이 기대와 현실 사이의 간극은 점점 벌어지고 있습니다. 전미부동산협회(NAR)에 따르면, 최근 거래된 주택의 44%는 호가보다   낮은   가격에 팔렸고, 셀러의 3분의 1은 한   번   이상   가격을   인하한 후에야 집이 팔렸다고 합니다. Redfin의 데이터를 보면 이 경향이 더 뚜렷하게 나타납니다. 아래 그래프에서 파란 선은 셀러가 제시한 호가, 초록색 선은 실제 거래가를 보여주고 있습니다. 두 선의 간격은 점점 벌어지고 있죠. 이는 현재 많은 바이어들이 셀러가 부르는 가격을 그대로 받아들이지 않고 있다는 신호입니다.좋은 가격에 팔 수 없다는 뜻은 아니지만, 바이어가 실제로 지불할 의사가 있는 가격을 기준으로 전략을 세워야 한다는 뜻입니다. 처음부터 가격을 높게 부르면 생기는 문제 처음부터 가격을 높게 잡고 시작하면 협상 여지를 두는 것 같아 보일 수 있습니다. 하지만 실제로는 오히려   역효과가 납니다. 지금의 바이어들은 시장에 밝고 스마트합니다.매물이 오래 시장에 머물러 있는 것을 보면, 무언가   문제가   있는   것   아니냐는 의심을 하게 됩니다. 그렇게 되면 관심이 줄고, 방문도 줄고, 결국 가격을 낮춰야 하는 상황이 벌어지게 됩니다. 즉, 처음부터 적정한 가격을 설정하면 바이어의 관심을 끌 수 있는 확률이 높아집니다. 그렇게 되면 집이 시장에 오래 남아 있는 것을 방지할 수 있고, 결국 가격을 낮추지 않고도 팔 수 있습니다. 잘 아시겠지만 시장에 오래 남아 있는 집일수록, 더 팔기 어려워지는 건 사실입니다. 지금도 여전히 기회는 있습니다 – 단, 가격 전략이 중요합니다 지금 같은 시장에서는 지역   시장을   잘   아는   에이전트와   함께 전략을 세우는 것이 핵심입니다. 에이전트는 최근 거래된 매물, 바이어의 수요 흐름, 재고 수준 등을 고려해 당신   동네에   딱   맞는   가격을 제시할 수 있도록 도와줍니다. 게다가 지난 5년 동안 집값은 무려  57% 이상   상승했습니다.당신이 생각했던 가격보다 조금 낮게 시작하더라도, 여전히 충분한 수익을 남길 수 있는 상황입니다. 시장에 잘 맞는 가격을 설정하면 더 많은 바이어의 관심을 끌 수 있고, 빠르게 좋은 오퍼를 받을 가능성이 높아집니다.시장 상황에 상관없이 현재 전국 대부분 지역에서는 제대로   가격   책정된   좋은   매물은   빠르게   팔리고   있습니다. 마무리 시장은 달라졌지만, 집을 잘 팔 수 있는 기회는 여전히 열려 있습니다.핵심은 지금 시장에 맞는 가격 전략입니다. 당신의 집을 빠르게, 그리고 가능한 최고가에 팔고 싶으시다면 지금 바로 전문가와 상의해 보시기 바랍니다. 시카고와 일리노이 지역의 집값이 궁금하신가요? 지금 바로 '시카고 복덕방 한상철'에게 연락 주십시오. 📞 773-717-2227

Not too long ago, homes would receive multiple offers as soon as they hit the market—often selling above asking price. Sellers could name their price, and buyers would line up. But those days have changed. With more homes now available, buyers have become more cautious. Listings are staying on the market longer, and many sellers are finding themselves reducing their asking price to attract interest. So, how can you still sell successfully in this type of market? The key strategy: Price it right from the start. Seller Expectations vs. Market Reality According to Realtor.com , 81% of sellers still believe they’ll sell at or above their desired price.However, recent data paints a different picture: 44% of homes  sold recently went for  less than the asking price  (NAR). One in three sellers  had to reduce their price at least once before selling. Redfin data shows a widening gap between listed prices and actual selling prices—buyers are simply not paying what sellers initially ask. This doesn’t mean you can’t sell for a good price—it just means you need a  smart pricing strategy  that reflects what buyers are truly willing to pay. The Risk of Overpricing Many sellers start high, thinking they can negotiate down. But this often backfires: Today’s buyers are informed and analytical. Homes that sit on the market too long raise red flags—buyers assume something is wrong. As interest fades, showings drop, and eventually, price cuts follow. On the other hand,  a well-priced home from the beginning  grabs attention quickly, drives up interest, and can lead to competitive offers—often avoiding price reductions altogether. Opportunity Still Exists—But Price Strategy Is Crucial Now more than ever, it’s vital to work with a real estate agent who understands your  local market —recent sales, buyer demand, and inventory levels. Here’s the good news: Home prices have risen  over 57% in the past five years . Even if you start slightly below your ideal price, you’re still likely to walk away with strong returns. Proper pricing increases your chances of a fast sale and better offers—regardless of market conditions. Bottom Line The market has changed, but the opportunity to sell well  is still very real .The secret is  pricing your home correctly  from the start. Want to know what your home is worth in Chicago or Illinois? Contact Hansang Chul at Chicago BDB today. 📞 773-717-2227📧  ChicagoBDB@gmail.com

집을 소유하고 계시다면 한 번쯤은 들어보셨을 표현이 있을 겁니다. ‘사생활을 들여다보는 이웃’에 대한 이야기 말이지요. 그런데 이보다 더 심각할 수 있는 이웃이 있습니다. 바로 우리 땅을 ‘조금씩’ 차지하는 이웃입니다. 울타리나 차도, 창고, 혹은 나뭇가지 하나라도 내 땅을 넘어서 들어왔다면, 이건 단순한 오해가 아닙니다. 부동산 전문가들은 이를 ‘경계 침범(Encroachment)’이라고 부르며, 소송이나 거래 지연, 심지어는 소유권 문제로까지 이어질 수 있는 중대한 사안이라고 말합니다. 오늘은 이 경계 침범이 어떤 상황에서 발생하는지, 또 셀러와 바이어 입장에서 어떻게 대응해야 하는지에 대해 자세히 설명드리겠습니다. 경계 침범이란 무엇인가요? 경계 침범은 이웃의 구조물이나 물체가 본인의 소유 토지 경계를 넘어오는 상황을 의미합니다.건축물이나 조경 등 물리적인 요소가 내 땅 위에 허가 없이 존재하면 이는 명백한 침범입니다. 대표적인 침범 사례는 다음과 같습니다: 울타리 차도 또는 보도 나무 가지나 뿌리 창고 또는 구조물의 일부 텃밭, 조경 시설 등 대부분은 고의보다는 오해나 무지에서 시작되지만, 그 결과는 결코 가볍지 않습니다. 우리 땅을 넘었는지 어떻게 알 수 있을까요? 육안으로 볼 때 그 울타리가 내 땅을 넘은 것 같다고 판단하실 수도 있겠지만, 반드시  정확한 측량 자료 로 확인하셔야 합니다. 매수 당시 받은 서류 중 ‘Survey’ 또는 ‘Plat’을 다시 확인해보시고, 해당 카운티의 GIS 시스템이나 부동산 기록도 참고하시면 도움이 됩니다. 법적 분쟁 가능성이 있는 경우라면, 최근 측량을 다시 진행하는 것이 가장 확실한 방법입니다.측량도는 법적 효력을 가진 문서로, 향후 대응의 핵심 증거가 되기 때문입니다. 침범이 확인되었다면, 이렇게 해결해 보세요 1. 대화부터 시작하세요 많은 침범 사례는 고의가 아닌 실수에서 비롯된 경우가 많습니다. 가능하다면 먼저 이웃에게 측량도나 기록을 보여주고, 조용히 대화를 나눠보는 것이 좋습니다. 2. 공식 서신을 보내세요 대화로 해결되지 않는다면, 다음 단계는  내용증명 수준의 공식 서한 입니다. 일정 기한 내에 조치를 요구하는 방식으로, 필요하다면 변호사를 통해 작성하는 것이 좋습니다. 3. 법적 조치도 고려해야 합니다 문제가 계속될 경우, 법원에  침범물 철거 청구(Injunctive Relief)  또는  불법 점유에 대한 손해배상 청구 를 할 수 있습니다. 다만, 주마다 법 기준이 다르기 때문에 반드시 부동산 전문 변호사와 상의하셔야 합니다. 굳이 소송까지? 다른 해결 방법은 없을까요? 당연히 있습니다. 법적 조치 외에도 다음과 같은 유연한 방식이 있습니다: 이용 허가 계약 (Easement Agreement) : 소유권은 유지하되, 일정 조건 하에 이웃이 침범 구조물을 유지할 수 있도록 허가해주는 계약입니다. 철거 유예 협의 : 향후 일정 시점까지 구조물 존치를 허용하되, 그 이후 철거를 조건으로 하는 방식도 가능합니다. 이런 방식은 거래 지연 없이 매매를 마칠 수 있고, 긴 법적 절차를 피할 수 있어 실용적인 해결책으로 자주 사용됩니다. 타이틀 보험이 이런 문제도 해결해 줄까요? 타이틀 보험은 침범 문제 해결에 어느 정도 도움이 될 수 있으나,  보장 범위는 제한적 입니다. 구매 시점에서 이미 측량도에 침범 구조물이 표시되어 있었거나, 눈에 보이는 침범이 있었던 경우라면 보상 대상에서 제외될 수 있습니다. 만약 보험에 ‘확장 보장(Extended Coverage)’이 포함되어 있다면 일부 보상 가능성은 있습니다. 침범된 부동산을 매도할 수 있을까요? 판매는 가능하지만, 상당한 주의가 필요합니다. 미국 대부분의 주에서는  셀러가 경계 침범 사실을 반드시 고지해야 할 의무 가 있습니다. 고지가 누락되었거나, 구매자의 측량에서 새롭게 발견된다면, 대출 심사 단계에서 거래가 지연되거나 조건 변경이 발생할 수 있습니다. 또한 이웃이 장기간 점유한 구조물에 대해  불법 점유권(Adverse Possession) 을 주장할 수 있는 상황이라면, 그 땅은 더 이상 셀러의 소유가 아닐 수도 있습니다. 마무리하며 경계 침범 문제는 단순히 이웃 간 불편함의 문제가 아니라,  재산권 보호와 거래 안정성에 직결되는 사안 입니다. 지금 내 땅 위에 이웃의 구조물이 있다면, 가볍게 넘기지 마시고 아래의 단계를 기억해 주세요: 측량을 통해 사실 여부를 확인하고, 먼저 대화를 시도한 후, 필요 시에는 공식 서신 또는 법적 조치를 고려하셔야 합니다. 침범이 확인되면 가능한 한 빨리 대응하시는 것이 향후 거래 리스크를 줄이는 가장 좋은 방법입니다. 시카고 복덕방 한상철이 드리는 마지막 한마디 지금 내 땅을 침범한 구조물이 의심되시나요? 혹은 경계 문제로 거래가 불안하신가요?지체하지 마시고 저에게 연락 주세요. 시카고 복덕방 한상철 📞 773-717-2227📧  ChicagoBDB@gmail.com

If you own a home, you’ve likely heard stories about “nosy neighbors.” But there’s one type of neighbor that can be far more problematic — the one who quietly starts using part of your land.Whether it’s a fence, driveway, shed, or even tree branches extending past your property line,  this isn’t just a misunderstanding — it’s called encroachment . And real estate experts warn that it can lead to lawsuits, delays in home sales, or even title disputes. Today, let’s break down what encroachment is and how both sellers and buyers can respond effectively. 🔍  What Is Encroachment? Encroachment  refers to any physical structure or object that crosses over a property line without permission.Common examples include: Fences Driveways or sidewalks Tree branches or roots Sheds or part of a building Garden beds or landscaping features While many cases arise from ignorance or miscommunication rather than bad intent, the consequences can still be serious. 🗺️  How Can You Tell If There’s Encroachment? You might think the fence looks “off,” but  only a formal land survey can confirm  whether there’s been a violation.Check the following: The  Survey  or  Plat  document you received at purchase Your  county’s GIS  (Geographic Information System) or property records If in doubt,  order a new professional survey  — it’s legally valid and critical for resolving disputes. ✔️  Steps to Resolve Encroachment Start With a Conversation Many encroachments are accidental. Share your survey results calmly with your neighbor and see if you can reach an understanding. Send an Official Letter If a friendly talk doesn’t work, send a certified letter requesting corrective action by a certain date. You may want to consult a lawyer for this. Consider Legal Action As a last resort, you can file a claim for  injunctive relief  (removal of the structure) or  damages  for unlawful use. Legal advice is a must, as laws vary by state. 🤝  Are There Non-Legal Solutions? Yes, not every encroachment leads to court. Consider these alternatives: Easement Agreement : You retain ownership but allow the structure to remain under agreed terms. Deferred Removal Agreement : You agree to let the structure stay until a specific future date. These solutions can help avoid delays in selling and reduce legal costs. 🛡️  Can Title Insurance Help? Sometimes — but not always. If the encroachment was visible or noted in a prior survey, it might not be covered.However,  extended coverage policies  may offer partial protection. Check your title policy details. 🏡  Can You Sell a Property With an Encroachment? Yes, but  disclosure is crucial .In most U.S. states, sellers must inform buyers of known boundary issues.If the issue isn’t disclosed and later discovered, it could delay the mortgage process or change the buyer’s terms.Also, if the neighbor has used the land long enough, they might claim  adverse possession  — meaning the land might no longer legally be yours. 🔚  Final Thoughts Encroachment isn’t just a neighborhood nuisance — it’s a property rights issue.If you suspect a structure has crossed into your land: Confirm with a survey Talk with your neighbor Take formal action if needed The sooner you address it, the better you can protect your property and future transactions. Questions or concerns about encroachment in the Chicago area? Call or email me anytime. 📞 Hans Chul Han, Chicago BDB📧  ChicagoBDB@gmail.com  | 📱 773-717-2227