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

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

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

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

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

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

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

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

집을 판매할 때 가장 피하고 싶은 상황 중 하나는 클로징 직전에 계약이 무산되는 경우입니다. 최근 Redfin 자료에 따르면 이런 사례가 조금 더 늘어나고 있다고 합니다. 그러나 미리 준비하면 충분히  예방할 수 있습니다. 지난 6월, 전체 주택 거래 중 약 15%가 계약 후 무산되었습니다. 이는 2017년에서 2019년 사이의  평균치였던 약 12%보다 다소 높은 수치입니다. 셀러 입장에서는 그냥 넘길 수 없는 중요한 부분입니다. 계약 무산의 주요 원인: 인스펙션 John Burns Research and Consulting과 Keeping Current Matters 조사에 따르면, 오늘날 계약이 무산되는 가장 큰 이유는 인스펙션 결과라고 합니다. 현재 높은 집값과 모기지 금리로 바이어들의 예산은 이미 빠듯합니다. 이런 상황에서 예상치 못한 수리 문제가 발생하면 바이어가 감당할 여지가 줄어듭니다. 또한 최근 매물이 늘어나면서 선택지가 넓어진 만큼, 인스펙션에서 문제가 발견되면 바이어가 다른 집을 선택할 가능성도 커졌습니다. 셀러가 수리 의지가 없을 경우, 바이어는 직접 비용과 시간을 들이기보다 계약을 철회하는 경우가 많습니다. 해결책: 프리-리스팅 인스펙션 이 문제를 예방하는 가장 좋은 방법 중 하나는 바로  프리-리스팅 인스펙션 입니다. 이는 집을 시장에 내놓기 전에 미리 전문가에게 인스펙션을 받는 것을 의미합니다. 이 과정을 거치면 다음과 같은 이점이 있습니다: 사전에 수리할 시간을 가질 수 있어 바이어의 불안을 줄일 수 있습니다. 계약 이후 갑작스러운 재협상이나 가격 조정을 피할 수 있습니다. 셀러가 집을 성실히 관리하고 있음을 바이어에게 보여줄 수 있습니다. 이는 신뢰를 쌓고 거래를 빠르게 성사시키는 데 도움이 됩니다. 전문가들은 소액의 비용을 들여 미리 준비하는 것이 결국 수천 달러를 아끼는 결과를 가져올 수 있다고 강조합니다. 모든 셀러에게 필요할까요? 꼭 그렇지는 않습니다. 각 셀러의 상황, 주택 상태, 지역 시장에 따라 판단이 달라질 수 있습니다. 이 부분은 전문 에이전트와 상의하면서 우선순위를 정하고, 어떤 수리는 진행하고 어떤 문제는 공개하는 것이 현명한지 함께 논의하는 것이 중요합니다. 결론 거래를 원활하게 마무리하기 위해서는 준비가 필요합니다. 프리-리스팅 인스펙션은 불필요한 변수를 줄이고 안정적인 계약을 이끌어가는 좋은 방법입니다. 지금 직접 대비하시길 권해드립니다. 집을 판매하시려는 계획이 있으시다면 지금 바로 상담해 보시기 바랍니다. ‘시카고 복덕방 한상철’ 773-717-2227,  ChicagoBDB@gmail.com

One of the most stressful outcomes for a seller is when a deal falls through right before closing. According to recent data from Redfin, these cases are becoming more common—but with the right preparation, they can often be avoided. In June alone, about 15% of home sales were canceled after going under contract . That’s higher than the pre-pandemic average of roughly 12% between 2017 and 2019. For sellers, this is not a risk you can afford to ignore. 🚨 The Leading Cause: Inspection Issues Studies from John Burns Research & Consulting and Keeping Current Matters show that inspection results are now the top reason for canceled contracts . With high prices and mortgage rates stretching buyer budgets, any unexpected repair issues can be deal-breakers. And with more homes on the market, buyers have more options—if one inspection uncovers problems, many simply walk away rather than renegotiate. ✅ The Solution: Pre-Listing Inspections A pre-inspection means hiring a professional to evaluate your home before putting it on the market. Benefits include: Addressing repairs upfront, reducing buyer anxiety. Avoiding last-minute renegotiations or price cuts. Demonstrating that the seller is proactive and trustworthy, helping the sale move faster. Experts emphasize that a small upfront cost for a pre-inspection can save thousands of dollars and weeks of stress later. 🔍 Is It Always Necessary? Not every seller needs a pre-inspection. The decision depends on the home’s condition, the market, and your goals. An experienced agent can help you decide what to fix, what to disclose, and how to prioritize repairs for the best outcome. 📝 Conclusion Selling a home successfully requires preparation. A pre-listing inspection is one of the best ways to minimize surprises and keep deals from collapsing at the last minute. Taking this proactive step can give both you and the buyer confidence, leading to a smoother, more stable closing. 📍 Chicago Realty – Hans Chul 📱 773-717-2227 📧 ChicagoBDB@gmail.com

최근 발표된 고용지표가 예상보다 약하게 나오면서 금융시장이 즉각 반응했고, 그 결과 8월 초 모기지 이율이 올해 들어 가장 낮은 수준인 6.55%까지 내려갔습니다. 얼핏 보면 작은 변화처럼 보일 수 있지만, 많은 바이어들이 기다리던 신호라는 점에서 의미가 큽니다. 이율이 조금만 내려가도 시장 심리가 살아나고 주택 구매 의지가 다시 불붙을 수 있습니다. 하지만 전문가들의 전망을 보면, 당분간 이율이 크게 떨어지지는 않을 것으로 보입니다. 대부분의 기관에서는 2026년까지 모기지 이율이 6% 중반대에서 낮은 6%대 수준에 머물 것으로 예상하고 있습니다. 즉, 큰 폭의 하락은 기대하기 어렵지만 경제 지표가 나올 때마다 이율이 소폭 조정될 가능성은 여전히 존재합니다. 바이어들이 주목하는 ‘마법의 숫자’ 6% 많은 바이어들이 주시하는 기준선은 6%입니다. 전미부동산중개인협회(NAR)에 따르면 이율이 6%에 도달할 경우, 약 550만 가구가 중간 가격대 주택을 감당할 수 있게 되고, 12~18개월 안에 약 55만 명이 실제로 집을 구매할 것으로 추산됩니다. 이는 곧 잠재적 수요가 시장으로 한꺼번에 들어올 수 있다는 뜻입니다. 문제는 이렇게 기다리다 보면 결국 경쟁이 치열해지고, 선택할 수 있는 매물이 줄어들며, 집값이 오를 수 있다는 점입니다. NAR은 바이어들이 낮은 이율을 기다리다가 오히려 지금 존재하는 기회를 놓칠 수 있다고 경고했습니다. 지금 시장에서 존재하는 기회 현재는 이율이 6%에 도달하기 전이기 때문에 상대적으로 바이어들이 덜 몰린 상황입니다. 그만큼 더 많은 매물이 나오고 있으며, 가격 상승 속도도 둔화된 상태라 협상의 여지가 커져 있습니다. 지금은 바이어에게 선택권이 많은 시기이며, 셀러 입장에서도 진지한 바이어를 만날 가능성이 높은 시기입니다. 하지만 이율이 낮아져 수요가 폭발하는 순간, 이러한 기회는 빠르게 사라질 수 있습니다. 결론 모기지 이율이 올해 안에 6%까지 내려가지는 않을 것으로 보입니다. 하지만 언젠가 그 시점이 오면, 더 많은 경쟁자와 더 높은 가격을 마주해야 할 것입니다. 지금은 이율이 완전히 내려가기 전, 상대적으로 여유 있고 협상력이 있는 시기입니다. 시장 상황은 언제든 달라질 수 있으니, 기회를 놓치지 않는 것이 중요합니다. 집을 사거나 팔 계획을 두고 계신다면 지금이 움직일 때일 수 있습니다. 구체적인 시장 상황과 주택 가치에 대해 상담이 필요하시다면 언제든 연락 주시기 바랍니다. 시카고 복덕방 한상철 📞 773-717-2227 📧  ChicagoBDB@gmail.com

After weaker-than-expected jobs data, the financial markets reacted immediately, pushing early August mortgage rates down to  6.55%—the lowest level of the year . While it may seem like a small change, this is exactly the signal many buyers have been waiting for. Even a slight rate drop can spark renewed confidence and urgency in the housing market. That said, experts don’t expect rates to fall dramatically anytime soon. Most forecasts suggest mortgage rates will remain in the  mid- to low-6% range through 2026 . Rates may adjust slightly with each new economic report, but a major drop is unlikely in the near term. 🔑  The “Magic Number”: 6% Many buyers are fixated on the  6% threshold . According to the National Association of Realtors (NAR), if rates reach 6%: 5.5 million households  could afford a median-priced home. Within 12–18 months, an estimated  550,000 new buyers  could enter the market. This means that once rates hit 6%, demand could surge, competition will intensify, inventory will shrink, and prices could rise. 🏡  The Opportunity Right Now At today’s 6.55%, we’re still above that tipping point, which means: Less buyer competition  than when rates fall further. More active listings  available to choose from. Negotiation power  for serious buyers. For sellers, this is a rare window where motivated buyers are active, but competition hasn’t yet exploded. ✅  Bottom Line Rates are unlikely to hit 6% this year—but when they do, the market will become more competitive and expensive. Today’s conditions give both buyers and sellers more flexibility and opportunity. If you’ve been waiting, this may be the right time to act. 📍  Chicago Realty – Sang Chul Han 📱 773-717-2227 📧  ChicagoBDB@gmail.com