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예전에는 친환경에 관심 있는 일부 사람들만 설치하던 태양광 패널이 이제는 더 이상 ‘특별한’ 옵션이 아닙니다. 미국 태양광산업협회(Solar Energy Industries Association)에 따르면 지난 10년 동안 태양광 설치는 매년 약 30%씩 증가하고 있다고 합니다. 그만큼 태양광 패널이 설치된 집을 판매하려는 분들께는 분명 좋은 소식입니다. 하지만 무조건 “전기세 아끼니까 더 잘 팔리겠지!”라고만 생각해서는 안 됩니다. 태양광 시스템의 소유 형태나 상태에 따라 판매 과정이 달라질 수 있기 때문입니다. 오늘은 태양광 패널이 설치된 주택을 더 효과적으로 판매하기 위한 방법을 정리해보겠습니다.   태양광 패널의 소유 형태에 따라 달라지는 판매 전략 완전 소유 (Fully Owned) 가장 이상적인 경우입니다. 패널이 완전히 소유된 상태라면, 구매자는 별도 계약이나 부담 없이 전기요금 절감 혜택을 누릴 수 있고, 판매자 입장에서도 거래가 수월하게 진행됩니다. ➤ 판매 전 관련 서류(구매 영수증, 보증서, 전기 절감 내역 등)를 정리해 두면 신뢰도를 높일 수 있습니다. 리스 계약 (Leased) 패널의 소유권이 태양광 회사에 있는 경우로, 리스 계약을 구매자에게 이전해야 합니다. 이 과정에서 신용 조회 등 조건이 붙기 때문에 일부 구매자에게는 부담이 될 수 있습니다. 전력 구매 계약 (Power Purchase Agreement, PPA) 패널은 설치되어 있지만, 집주인은 패널을 소유하지 않고 전력을 구입하는 방식입니다. 이 역시 계약 이전 절차가 필요하고, 경우에 따라 복잡할 수 있습니다. ➤ 이런 경우, 사전에 계약 내용을 명확히 설명하고 태양광 회사와 긴밀히 협의하는 것이 중요합니다.   태양광 패널이 집값에 미치는 영향 SolarReviews.com에 따르면, 태양광 패널이 설치된 주택은 일반 주택보다 평균 6.8% 더 높은 가격에 판매된다고 합니다. 하지만 이 수치는 다음과 같은 변수에 따라 달라질 수 있습니다: 시스템의  설치 시기 와  효율성 패널 상태 및 유지보수 기록 해당 지역의  에너지 비용 과  태양광에 대한 인식 특히 캘리포니아처럼 재생 에너지를 적극 장려하는 지역에서는 프리미엄이 더 클 수 있습니다.   판매 전 준비 사항 태양광 패널 자체의 상태가 양호하다면, 복잡한 준비는 필요하지 않습니다. 다만 다음의 사항들을 체크해 보세요: 시스템 정상 작동 여부 확인 패널 위 이물질이나 손상 여부 점검 필요시 전문가를 통한 간단한 점검 관련 서류 정리 (설치 계약서, 보증서, 절감 내역 등)   리스팅하실 때 마케팅이 중요합니다. 패널은 돈을 아끼는 장치임을 강조하세요 태양광 시스템의 가장 큰 장점은  전기요금 절감 입니다. 특히 요즘같이 전기요금이 계속 오르는 상황에서는 더욱 매력적인 요소입니다. 최근 몇 달간 전기요금 청구서를 정리해 평균 절감액을 보여주세요. 배터리 저장 시스템 이 있는 경우, 정전 시 백업 전력 기능을 강조하세요. 프로페셔널 사진  또는 드론 촬영으로 패널을 잘 보여주세요. 태양광 주택 거래 경험이 있는 부동산 에이전트와 함께하세요.   마무리 태양광 패널이 설치된 집은 분명한 장점이 있는 자산입니다. 하지만 그만큼 준비와 전략도 필요합니다. 소유 형태, 계약 조건, 시스템 상태 등을 명확히 파악하고, 적절한 마케팅과 서류 준비를 통해 더 좋은 조건에, 더 빠르게 매도할 수 있습니다. 올봄, 여러분의 집이 빛을 발할 수 있도록 제대로 준비해보세요.

In the past, solar panels were an option primarily for those with a keen interest in eco-friendliness. However, they are no longer considered a "special" feature. According to the Solar Energy Industries Association, solar installations have increased by about 30% annually over the past decade. This growth is great news for those looking to sell a home with solar panels. But don't just assume that “lower electricity bills will sell the home faster!” The selling process can vary depending on the ownership type and condition of the solar system. Here's how to sell a home with solar panels more effectively. Selling Strategies Based on Solar Panel Ownership Fully Owned This is the ideal scenario. If the panels are fully owned, the buyer can enjoy the electricity savings without any additional contracts or obligations. For the seller, the process is smoother. ➤ Make sure to organize documents such as purchase receipts, warranties, and electricity savings records to build trust. Leased In this case, the solar company owns the panels, and the lease agreement must be transferred to the buyer. This process can involve credit checks and additional conditions, which may be a burden for some buyers. Power Purchase Agreement (PPA) In this arrangement, the panels are installed, but the homeowner doesn’t own them. Instead, they purchase electricity from the solar company. Similar to leased systems, this requires transferring the contract, which can be complicated in some cases. ➤ It's crucial to clearly explain the contract details and work closely with the solar company in these situations. Impact of Solar Panels on Home Value According to SolarReviews.com , homes with solar panels sell for an average of 6.8% more than homes without. However, this number can vary depending on several factors: The system’s age and efficiency The condition of the panels and maintenance history The local energy costs and the community’s perception of solar energy In areas like California, where renewable energy is actively promoted, the premium can be even higher. Pre-Sale Preparation If the solar panel system is in good condition, there’s not much to worry about. However, make sure to check the following: Confirm that the system is functioning properly Inspect the panels for debris or damage If needed, schedule a simple check-up with a professional Organize documents (installation contract, warranty, savings records, etc.) Marketing is Key When Listing It’s essential to highlight the savings aspect when marketing the home. Solar systems are most attractive because of the electricity bill savings, especially with rising utility costs. Show the average savings by organizing recent electricity bills. If there’s a battery storage system, emphasize the backup power feature in case of outages. Use professional photos or drone shots to showcase the panels. Work with a real estate agent who has experience with solar-powered homes. Conclusion A home with solar panels is undoubtedly a valuable asset. However, it requires careful preparation and strategy. By understanding the ownership type, contract terms, and system condition, and preparing the right marketing materials and documentation, you can sell your home under better conditions and more quickly. This spring, make sure your home shines by being fully prepared!

다가오는 봄 시즌, 집을 사려는 수요가 점점 늘어나고 있는 가운데 최근 리포트에 따르면 집을 사기 위한  다운페이먼트 금액이 사상 최고 수준 을 기록했다고 합니다. 그렇다면 과연 얼마를 준비해야 하고, 어떤 흐름이 이어지고 있는지 함께 살펴보겠습니다. 2024년 4분기, 평균 다운페이먼트 3만 달러 돌파 Realtor.com의 최근 조사에 따르면, 2024년 10월부터 12월 사이에 집을 산 사람들의 평균 다운페이먼트는  구매가의 14.4% , 금액으로는  $30,250 였습니다. 이는 작년 같은 기간보다 약 $1,000 높은 수치이며,  4분기 기준 역대 최고 금액 이기도 합니다. 한때 2024년 2분기에는 15.1%, $32,700까지 올라갔지만, 그보다는 소폭 낮아졌습니다. 그럼에도 불구하고, 2024년 전체를 놓고 보면  2013년 이후 가장 높은 다운페이먼트 비율과 금액 을 기록한 해였습니다. 왜 이렇게 다운페이먼트가 높아졌을까? Realtor.com의 수석 이코노미스트 해나 존스(Hannah Jones)에 따르면, 높은 모기지 이자율과 집값 상승이 원인입니다. 비교적 여유 자금이 있는 고소득자들이 더 많은 다운페이를 하며 시장에 진입하고 있는 반면, 초보 구매자나 중저소득층은 여전히 시장 진입에 어려움을 겪고 있습니다. 게다가  이자 부담을 줄이기 위해 일부러 더 많은 다운페이먼트를 하는 경향 도 보이고 있습니다. 다운페이를 많이 할수록 대출금이 줄고, 이자 부담도 덜어지기 때문입니다. 세컨홈과 투자용 부동산은 오히려 감소 반면 세컨홈이나 투자용 부동산의 경우 다운페이먼트 비율은 다소 하락했습니다. 투자용 부동산: 평균  27.4%  (전년 대비 0.6%p 감소) 세컨홈: 평균  28%  (전년 대비 0.8%p 감소) 그럼에도 불구하고, 이들 주택의 다운페이먼트 금액은 여전히 1차 주택보다  2.5배 이상 높았습니다. 정부 보조 프로그램 이용자, 다운페이 비율도 소폭 상승 FHA나 VA 대출 등  정부 보조 프로그램 을 이용하는 경우, 일반적으로 적은 다운페이를 하게 됩니다. 2024년 4분기 기준, 30번째 백분위수에 해당하는 ‘소규모 다운페이먼트’는 평균  $8,200 으로, 전년 대비 6.5% 상승했습니다. 이는 팬데믹 이전인 2019년 $4,600과 비교하면 거의  두 배에 가까운 수치 입니다. 앞으로 다운페이먼트는 어떻게 될까? 전문가들은 당분간 다운페이먼트가  크게 줄어들 가능성은 낮다 고 전망합니다. 이자율은 최근 7% 이상에서 소폭 하락해 6%대 후반을 유지하고 있지만, 여전히 많은 예비 구매자들에게는 부담스러운 수준입니다. 그 결과 2024년에는 $750,000 이하의 주택 거래가 줄어든 반면, 그 이상 고가 주택의 거래는 오히려  7.4% 증가 했습니다. 이는 더 구매 여력이 있는 고소득자들이 시장을 주도하고 있다는 뜻이며, 자연스럽게 평균 매매가와 다운페이먼트가 함께 상승하고 있는 상황입니다. 해나 존스는 이렇게 말합니다. "현재 주택 시장은 상대적으로 구매력이 높은 바이어 중심으로 움직이고 있어 다운페이먼트는 당분간 높은 수준을 유지할 것으로 보입니다."   결론 2024년 4분기 기준 평균 다운페이먼트는 $30,250로, 역대 최고 수준을 기록했습니다. 고소득자의 시장 참여가 높아지며 평균 수치는 계속 올라가는 중입니다. 반면 정부 보조 프로그램을 이용한 소액 다운페이 구매자도 꾸준히 늘고 있습니다. 당분간 주택 구매에 있어 넉넉한 자금 준비가 중요해질 것으로 보입니다. 현재 주택 구매를 고민하고 계시다면, 지역 전문가와 함께 나에게 맞는 전략을 고민해보는 것이 좋습니다.

As we approach the spring season, demand for homes is steadily increasing. Recent reports indicate that the down payment required for buying a home has reached an all-time high. So, how much should you be prepared to pay, and what trends are shaping this situation? Let’s take a closer look. Average Down Payment Surpasses $30,000 in Q4 2024 According to a recent report from Realtor.com , during the fourth quarter of 2024 (October to December), the average down payment for homebuyers was 14.4% of the purchase price, or $30,250. This is approximately $1,000 higher than the same period last year and represents the highest amount recorded for a fourth quarter. At one point during Q2 2024, the down payment percentage peaked at 15.1%, with the dollar amount reaching $32,700, but it has slightly decreased since then. Nevertheless, 2024 recorded the highest down payment percentage and amount since 2013. Why Have Down Payments Increased? Hannah Jones, Chief Economist at Realtor.com , attributes the increase in down payments to rising mortgage interest rates and home prices. Higher-income buyers, who have more financial flexibility, are entering the market with larger down payments. On the other hand, first-time buyers and lower-income individuals are still facing difficulties entering the housing market. Additionally, many buyers are opting to make larger down payments to reduce their interest burden. By paying more upfront, they lower the loan amount, which in turn reduces the interest they have to pay over time. Decrease in Down Payments for Second Homes and Investment Properties Meanwhile, down payment percentages for second homes and investment properties have slightly decreased: Investment properties: 27.4% (a decrease of 0.6 percentage points from last year) Second homes: 28% (a decrease of 0.8 percentage points from last year) However, the down payment amounts for these properties are still more than 2.5 times higher than for primary homes. Government Assistance Program Users Seeing a Slight Increase in Down Payments For buyers using government-backed programs like FHA or VA loans, down payments are generally lower. In Q4 2024, the 30th percentile of "small down payments" was $8,200, which represents a 6.5% increase from the previous year. Compared to $4,600 in 2019, this is nearly double the amount. What Does the Future Hold for Down Payments? Experts predict that it is unlikely that down payments will decrease significantly in the near future. While interest rates have slightly decreased from above 7% to the high 6% range, they are still considered burdensome for many prospective buyers. As a result, in 2024, sales of homes priced below $750,000 have decreased, while sales of higher-priced homes have increased by 7.4%. This suggests that high-income buyers are leading the market, which naturally pushes both average home prices and down payments higher. Hannah Jones explains, “The housing market is currently driven by buyers with relatively higher purchasing power, and down payments are expected to remain high for the time being.” Conclusion The average down payment for Q4 2024 was $30,250, marking an all-time high. Increased participation from high-income buyers has been driving up the average down payment amount. However, the number of buyers utilizing government assistance programs with smaller down payments is steadily rising. For anyone considering purchasing a home, having sufficient funds for a down payment will be crucial. If you're thinking of buying a home, it’s advisable to consult with local experts to strategize according to your personal situation.

집을 팔려고 마음먹고 준비를 시작했는데, 예상치 못한 장벽을 마주하는 경우가 있습니다.바로  ‘유치권(lien)’ 입니다.이런 상황을 모르고 있다가 계약 직전에 알게 되면, 매각 절차가 지연되거나 복잡해질 수 있습니다. 이번 글에서는  유치권이란 무엇인지 ,  어떤 종류가 있는지 , 그리고  유치권이 있는 집을 어떻게 팔 수 있는지 하나하나 정리해보겠습니다.   유치권이란 무엇인가요? 간단히 말해,  유치권은 어떤 채권자가 부동산에 대해 갖는 법적 권리 입니다.즉,  채무를 갚을 때까지 해당 부동산을 담보로 잡아두는 권리 라고 생각하시면 됩니다. 예를 들어, 리모델링 공사를 맡긴 후 돈을 지불하지 않았다면, 해당 시공업자가 부동산에 유치권 (Lien)을 설정할 수 있습니다.이렇게 되면, 집주인이 부채를 해결하기 전까지는 해당 부동산을 자유롭게 거래하기 어렵습니다.   유치권 (Lien)의 종류는 어떤 것들이 있나요? 유치권 (Lien)에는 다양한 종류가 있습니다. 대표적으로는 다음과 같습니다. 세금 유치권(Tax Lien) : 재산세나 국세 등을 체납한 경우 발생합니다. 시공 유치권(Mechanic's Lien) : 공사 대금을 지불하지 않은 경우, 시공업체나 기술자가 설정할 수 있습니다. 판결 유치권(Judgment Lien) : 채무 불이행으로 법원의 판결이 내려진 경우 발생합니다. 모기지 유치권(Mortgage Lien) : 대출금을 연체하면 대출기관이 설정할 수 있으며, 경우에 따라 압류까지 이어질 수 있습니다. 관리비 유치권(HOA Lien) : 관리비 또는 공동시설 사용료 등을 체납한 경우 주택단지 관리기관이 설정할 수 있습니다. 이 모든 유치권은  집을 매각하기 전 반드시 해결 해야 합니다.   유치권이 있으면 집을 팔 수 없나요? 꼭 그렇지는 않습니다.유치권이 있는 집도  판매는 가능 하지만, 조건이 따릅니다. 대부분의 경우,  매매 계약 이전 또는 거래 마감 시점(Closing)에 유치권을 해결 해야 합니다. 유치권이 해결되지 않으면,  구매자가 해당 부채까지 떠안게 되기 때문에  거래가 무산될 수 있습니다. 금융기관 역시  유치권이 걸린 부동산에는 대출을 승인해주지 않기 때문에  매매가 더욱 어려워질 수 있습니다.   내 집에 유치권이 있는지 어떻게 알 수 있을까요? 유치권이 있는지 확인하려면 다음과 같은 방법이 있습니다. 카운티 등기소, 평가사 사무소, 법원 기록실 등에 문의 대부분의 지역에서는 온라인 시스템을 통해서도 확인할 수 있습니다. Property Shark 또는 Property Checker 같은 포털 이용 주소나 소유자 이름으로 유치권 여부를 검색할 수 있습니다. 타이틀 회사나 부동산 전문 변호사와 협업 복잡한 상황일수록 전문가의 도움을 받는 것이 빠르고 정확합니다.   유치권이 있다면 어떻게 해결하나요? 유치권 종류와 금액 확인 채권자에게 연락해 상환 계획 협의 필요 시 협상을 통해 금액 감면 또는 일시불 상환 법적 해결이 필요한 경우, 부동산 전문 변호사의 도움 받기 만약  집값보다 채무가 더 많다면 , ‘숏세일(Short Sale)’을 고려할 수 있습니다.숏세일은 채권자와 협의해  시장가보다 낮은 가격에 매각하는 절차 로, 일부 중개사들이 이를 전문적으로 다루기도 합니다.   결론 유치권은 당황스럽고 복잡해 보일 수 있지만,  미리 파악하고 정리만 해두면 충분히 해결 가능한 문제 입니다.무엇보다 중요한 것은,  매수자에게 투명하게 정보를 공유하고, 전문가와 함께 문제를 차근차근 해결해 나가는 것 입니다. 집을 팔기 전에 유치권 여부를 확인하고 필요한 조치를 취해 두면, 매매 과정이 훨씬 수월해질 수 있습니다. 유치권이 걱정되시나요?  믿을 수 있는 부동산 전문가와 함께 상의해보시길 추천드립니다.

When you decide to sell your home, you may encounter unexpected hurdles. One of these is a  lien . If you discover a lien right before closing the deal, the sale process could become delayed or complicated. In this article, we’ll explain what a lien is, the types of liens, and how you can sell a home with a lien. What is a Lien? Simply put, a lien is a legal right that a creditor has over a property. It means the property is held as collateral until a debt is paid. For example, if you hired a contractor for remodeling but didn’t pay, the contractor could place a lien on your home. This means you cannot freely sell the property until the debt is resolved. What Are the Different Types of Liens? There are several types of liens, including: Tax Lien : This occurs when property taxes or federal taxes are unpaid. Mechanic’s Lien : This is placed by contractors or tradespeople when their work remains unpaid. Judgment Lien : This occurs if a court rules that you owe a debt. Mortgage Lien : This is set by a lender if you fail to make mortgage payments, potentially leading to foreclosure. HOA Lien : A homeowners association may place a lien if you fail to pay community fees. Before selling, you must resolve any liens on your property. Can You Sell a Home with a Lien? It is possible to sell a home with a lien, but there are conditions: Resolve the Lien : Typically, the lien must be settled before the sale, either before the contract is signed or before closing. Buyers May Be Hesitant : If the lien remains, the buyer might inherit the debt, which could cause the sale to fall through. Lenders Won’t Approve a Loan : Financial institutions may not approve a loan for a property with an outstanding lien, making the sale more difficult. How Can You Find Out If There’s a Lien on Your Property? To check for a lien, you can: Contact County Clerk’s Office, Assessor’s Office, or Court Records : Many areas provide online access for this. Use Online Services : Websites like Property Shark or Property Checker allow you to search for liens using the property address or owner’s name. Consult a Title Company or Real Estate Lawyer : For more complicated cases, experts can help you confirm if there’s a lien and provide guidance. How Can You Resolve a Lien? If you discover a lien on your property, here are the steps to resolve it: Identify the Type and Amount  of the lien. Contact the Creditor  to negotiate a repayment plan. Consider Negotiating : You might be able to reduce the amount owed or agree to a lump sum payment. Seek Legal Help : If necessary, a real estate attorney can assist with legal solutions. If the debt exceeds the value of the home, you could explore a  Short Sale , where the property is sold for less than the owed amount, with creditor approval. Conclusion Liens may seem daunting, but they are manageable if you address them early. The key is to be transparent with the buyer and work with professionals to handle the situation step by step. Before listing your property, make sure to check for liens and take the necessary steps to resolve them. This will help ensure a smoother selling process. Worried about a lien? Consult a trusted real estate expert for advice. Are You Facing a Lien When Selling Your Home? When you decide to sell your home, you may encounter unexpected hurdles. One of these is a  lien . If you discover a lien right before closing the deal, the sale process could become delayed or complicated. In this article, we’ll explain what a lien is, the types of liens, and how you can sell a home with a lien. What is a Lien? Simply put, a lien is a legal right that a creditor has over a property. It means the property is held as collateral until a debt is paid. For example, if you hired a contractor for remodeling but didn’t pay, the contractor could place a lien on your home. This means you cannot freely sell the property until the debt is resolved. What Are the Different Types of Liens? There are several types of liens, including: Tax Lien : This occurs when property taxes or federal taxes are unpaid. Mechanic’s Lien : This is placed by contractors or tradespeople when their work remains unpaid. Judgment Lien : This occurs if a court rules that you owe a debt. Mortgage Lien : This is set by a lender if you fail to make mortgage payments, potentially leading to foreclosure. HOA Lien : A homeowners association may place a lien if you fail to pay community fees. Before selling, you must resolve any liens on your property. Can You Sell a Home with a Lien? It is possible to sell a home with a lien, but there are conditions: Resolve the Lien : Typically, the lien must be settled before the sale, either before the contract is signed or before closing. Buyers May Be Hesitant : If the lien remains, the buyer might inherit the debt, which could cause the sale to fall through. Lenders Won’t Approve a Loan : Financial institutions may not approve a loan for a property with an outstanding lien, making the sale more difficult. How Can You Find Out If There’s a Lien on Your Property? To check for a lien, you can: Contact County Clerk’s Office, Assessor’s Office, or Court Records : Many areas provide online access for this. Use Online Services : Websites like Property Shark or Property Checker allow you to search for liens using the property address or owner’s name. Consult a Title Company or Real Estate Lawyer : For more complicated cases, experts can help you confirm if there’s a lien and provide guidance. How Can You Resolve a Lien? If you discover a lien on your property, here are the steps to resolve it: Identify the Type and Amount  of the lien. Contact the Creditor  to negotiate a repayment plan. Consider Negotiating : You might be able to reduce the amount owed or agree to a lump sum payment. Seek Legal Help : If necessary, a real estate attorney can assist with legal solutions. If the debt exceeds the value of the home, you could explore a  Short Sale , where the property is sold for less than the owed amount, with creditor approval. Conclusion Liens may seem daunting, but they are manageable if you address them early. The key is to be transparent with the buyer and work with professionals to handle the situation step by step. Before listing your property, make sure to check for liens and take the necessary steps to resolve them. This will help ensure a smoother selling process. Worried about a lien? Consult a trusted real estate expert for advice.

올해 안에 집을 팔 계획이 있으시다면, 지금이 바로 준비를 시작할 타이밍입니다.전문가들은 2025년 봄 시장 중에서도  4월 13일부터 19일 이 집을 매물로 내놓기 가장 유리한 시기라고 조언하고 있습니다. 부동산 전문 플랫폼 Realtor.com은 과거 데이터를 기반으로 분석을 진행했으며, 그 결과 이 한 주간이 매도자에게 가장 많은 이점을 가져다주는 것으로 나타났습니다. 왜 이 시기가 그렇게 중요한가요? 봄은 원래 부동산 시장이 가장 활발해지는 계절입니다. 그중에서도 4월 중순은 수요가 집중되는 시기이며, 매물에 대한 관심도 높아지는 시점입니다. 이 주간에 집을 내놓는다면 다음과 같은 이점이 있습니다. 더 많은 구매자들이 집을 보러 오게 됩니다. 여름 전에 이사하려는 진지한 바이어들이 많아, 빠른 계약으로 이어질 수 있습니다. 평균적으로 약 4,800달러 더 높은 가격에 집을 팔 수 있으며, 연초보다 최대 2만 7천 달러까지 차이가 날 수 있습니다. 지금부터 어떤 준비를 해야 할까요? 4월 중순까지는 시간이 많지 않습니다. 따라서 빠르고 효율적인 준비가 필요합니다.집의 상태가 전반적으로 양호하다면, 다음과 같은 부분에 집중하시면 좋습니다. 내부 정리 및 불필요한 가구나 물건 정돈 간단한 페인트 보수나 조명 교체 정원, 현관 등 외부 첫인상 개선 수도, 전기 등 기본 시설 점검 실내 조도와 향기 관리 전문 중개인과 함께 작업한다면 더욱 효과적인 전략을 세울 수 있습니다.무엇부터 해야 할지, 어떤 부분을 우선순위로 잡아야 할지에 대해 구체적인 가이드를 받을 수 있기 때문입니다. 만약 이 시기를 놓친다면? 4월 13~19일이 가장 이상적인 주간인 것은 맞지만, 이 시기를 놓친다고 해서 올해 기회가 끝나는 것은 아닙니다.봄철 전체가 여전히 활발한 부동산 시즌이며, 집 상태와 가격 전략이 잘 짜인다면 언제든지 좋은 거래로 이어질 수 있습니다. 마무리하며 집을 팔기 위한 타이밍은 매우 중요하지만, 그만큼 준비와 전략도 중요합니다.적절한 시기를 놓치지 않기 위해 지금부터 하나씩 준비해보시는 건 어떨까요? 매물 준비부터 마케팅 전략, 가격 설정까지 믿을 수 있는 전문가와 함께 계획을 세우면 훨씬 수월하게 진행하실 수 있습니다.

If you’re planning to sell your home this year, now is the time to start preparing. Experts advise that the period from April 13 to 19 is the most advantageous time to list your home in the spring 2025 market. Real estate platform Realtor.com analyzed past data, and the results show that this specific week provides the most benefits for sellers. Why is this time so important? Spring is traditionally the most active season in the real estate market, and mid-April is when demand peaks, and interest in listings increases. Listing your home during this week comes with several advantages: More buyers will come to see your property. Serious buyers looking to move before summer are more likely to make quick offers. Homes can sell for, on average, about $4,800 more, and in some cases, up to $27,000 more than earlier in the year. What preparations should you make? There isn’t much time left until mid-April, so efficient and quick preparation is key. If your home is generally in good condition, focus on the following: Organize the interior and declutter unnecessary furniture or items. Perform minor touch-ups like repainting or replacing lighting. Improve the exterior first impression, such as the garden and front porch. Check basic utilities like plumbing and electricity. Manage indoor lighting and scent to create a welcoming atmosphere. Working with a professional agent will help you develop a more effective strategy, providing specific guidance on what to prioritize. What if you miss this week? While April 13-19 is the ideal week to list your home, it doesn’t mean you’ve missed your chance for a good sale this year. The entire spring season remains a strong real estate market, and with the right home condition and pricing strategy, you can still secure a great deal at any time. In Conclusion Timing is crucial when selling a home, but so is preparation and strategy. Why not start preparing now to ensure you don’t miss out on the best opportunities? From listing preparation to marketing strategy and pricing, working with a trusted professional will make the entire process much smoother.

2025년의 봄이 본격적으로 시작되면서 부동산 시장도 함께 활기를 띠고 있습니다. 그동안 관망하던 많은 분들이 “지금이 집을 사거나 팔기 좋은 시기일까?”라는 고민을 다시 시작하셨을 텐데요. 오늘은 바로 그 해답이 될 수 있는, 2025년 봄 시장의 네 가지 핵심 포인트를 소개해 드리겠습니다.   1. 매물 증가: 선택의 폭이 넓어졌습니다 오랜 시간 동안 공급 부족에 시달리던 시장이 드디어 조금씩 풀리고 있습니다. Realtor.com의 최근 데이터에 따르면, 현재 활성 매물 수는 작년 같은 시기 대비 27.5% 증가했다고 합니다. 아직 팬데믹 이전 수준까지 회복되진 않았지만, 최근 몇 년 사이 봄 시장 중 가장 많은 매물이 나와 있는 상황입니다. 구매자 입장 에서는 다양한 매물 중에서 선택할 수 있는 기회가 생겼다는 뜻입니다. 눈높이에 맞는 집을 천천히 골라보실 수 있습니다. 판매자 입장 에서는 이사할 집을 찾는 데 더 수월해졌고, 여전히 전체 재고는 평년보다 적은 수준이기에 내 집에 대한 수요도 기대할 수 있습니다. 2. 집값 상승 속도 완화: 안정적이고 건강한 시장으로 공급이 늘어나면서, 자연스럽게 집값 상승 속도도 둔화되고 있습니다. 공급과 수요의 균형이 어느 정도 맞춰지고 있기 때문인데요. Freddie Mac은 다음과 같이 전망합니다: “2025년에는 2024년보다 집값 상승 속도가 완화될 것으로 보이며, 전체적인 상승세는 유지될 것으로 예상됩니다.” 이는 전국 평균이기 때문에 지역별로는 차이가 있을 수 있습니다. 일부 지역은 여전히 강한 상승세를 보이는 반면, 일부는 보합세거나 소폭 하락을 겪고 있습니다. 구매자에게는  너무 빠르게 오르던 집값이 다소 완화되어, 좀 더 여유 있게 접근할 수 있는 시점입니다. 시간이 지남에 따라 주택 가치는 오를 가능성이 높기 때문에 자산 형성에도 긍정적인 영향을 줍니다. 판매자에게는  적절한 가격 설정이 무엇보다 중요해졌습니다. 시장보다 지나치게 높은 가격으로 내놓는 경우, 매각까지 오랜 시간이 걸릴 수 있기 때문입니다. 3. 모기지 이자율 안정세: 계획 세우기 쉬워졌습니다 그동안 시장의 가장 큰 장벽 중 하나였던 고금리 문제도 최근 다소 진정세를 보이고 있습니다. 2025년 들어 이자율이 다소 하락하며 안정세에 접어들었고, 예측 가능성이 높아졌다는 점에서 긍정적인 신호로 받아들여지고 있습니다. CoreLogic의 수석 이코노미스트 Selma Hepp는 이렇게 말합니다: “봄 주택 구매 시즌이 본격화되면서, 최근의 모기지 이자율 안정은 구매자들의 재진입을 유도할 수 있습니다.” 구매자 입장 에서는 이자율이 안정되면 미래의 월 납입금에 대한 예측이 쉬워져 주택 구매 결정을 내리는 데 도움이 됩니다. 물론 변동성이 여전히 존재하기 때문에, 전문가의 조언을 바탕으로 꾸준히 시장을 체크하셔야 합니다. 판매자 입장 에서는 조금 더 많은 구매자들이 시장에 나오게 되는 계기가 되므로, 수요 측면에서 유리한 조건이 만들어질 수 있습니다. 4. 다시 움직이는 구매자들: 수요가 돌아오고 있습니다 매물 증가, 완화된 가격 상승, 안정된 이자율이 맞물리면서, 구매자들의 심리가 회복되고 있습니다. 실제로 Mortgage Bankers Association의 데이터에 따르면, 모기지 신청 건수는 연초 대비 확연히 증가했습니다. 구매자에게는  경쟁이 다시 치열해지기 전에 빠르게 움직이는 것이 현명한 전략이 될 수 있습니다. 판매자에게는  시장에 더 많은 구매자가 돌아온다는 것은, 더 빠른 매각 가능성으로 이어질 수 있습니다.   마무리하며 2025년 봄, 부동산 시장은 명확한 움직임을 보이고 있습니다. 매물 증가, 가격 안정, 이자율 안정, 구매자 수요 회복이라는 네 가지 키워드가 동시에 맞물리며, 지금이 움직일 타이밍이라는 신호를 보내고 있습니다. 하지만 시장은 지역마다 다르기 때문에, 자신이 살고 있는 지역의 동향을 꼼꼼히 체크하는 것이 중요합니다. 부동산 전문가와 상담해 본인의 상황에 맞는 전략을 세워보시길 권해드립니다.

As spring 2025 officially begins, the real estate market is also showing signs of life. Many people who have been sitting on the sidelines are now wondering, "Is this a good time to buy or sell a home?" Today, we'll explore four key points in the spring market of 2025 that might help answer this question. Increase in Listings: More Choices Available After a long period of supply shortages, the market is slowly starting to balance out. According to recent data from Realtor.com , the number of active listings has increased by 27.5% compared to the same period last year. While we haven't fully recovered to pre-pandemic levels, this is the highest number of listings seen in spring in recent years. For buyers, this means more options, giving them a chance to choose from a wider variety of homes at a more leisurely pace. For sellers, it’s now easier to find a home to move into, and since total inventory is still lower than usual, there remains a strong demand for your property. Slower Home Price Growth: A More Stable and Healthy Market With increased inventory, the pace of home price increases is naturally slowing down. This is due to a better balance between supply and demand. Freddie Mac predicts: "In 2025, home price growth is expected to slow compared to 2024, but the overall upward trend will continue." This is a national average, so there may be variations by region. Some areas may still experience strong price increases, while others might see stability or slight declines. For buyers, the slowdown in price growth makes it easier to approach the market without the pressure of rapidly rising prices. Over time, home values are still likely to increase, which is beneficial for asset-building. For sellers, pricing your home appropriately is now more crucial than ever. If a home is listed too high, it may take longer to sell Stable Mortgage Rates: Easier to Plan One of the biggest barriers in the market, high mortgage rates, has shown signs of stabilizing in 2025. With rates easing, there’s more predictability, which is a positive signal. CoreLogic's senior economist, Selma Hepp, comments: “As the spring home-buying season kicks off, the recent stability in mortgage rates could encourage more buyers to re-enter the market.” For buyers, stable mortgage rates make it easier to predict monthly payments, helping them make purchasing decisions. However, since some volatility remains, it’s still important to monitor the market and consult with experts. For sellers, more buyers entering the market means an increase in demand, which can lead to faster sales.  – Increased Mortgage Applications 4.  Buyers Are Back: Demand is Recovering With increased inventory, slower price increases, and stable mortgage rates, buyer confidence is returning. Data from the Mortgage Bankers Association shows a noticeable rise in mortgage applications compared to the beginning of the year. For buyers, acting quickly may be a smart strategy before competition intensifies. For sellers, the return of more buyers to the market means quicker potential sales. In Conclusion The spring 2025 real estate market is showing clear signs of movement. Increased inventory, stabilized prices, stable mortgage rates, and recovering buyer demand are all key factors signaling that now could be a good time to take action. However, since the market varies by region, it’s essential to carefully monitor local trends. Consulting with a real estate expert to devise a strategy tailored to your situation is highly recommended.

봄철 주택 매매 시즌이 본격적으로 시작되는 가운데, 모기지 금리가 다시 소폭 상승하였습니다. 미국 연방준비제도(Fed)의 기준금리 동결 결정 이후 금리는 큰 변동 없이 유지되고 있지만, 여전히 높은 수준을 유지하고 있어 주택 구매자와 판매자들에게 부담이 되고 있습니다. 모기지 금리 다시 6.67%로 상승 프레디맥(Freddie Mac)의 자료에 따르면, 3월 20일 기준  30년 고정 모기지 금리는 6.67% 로 상승하였습니다. 이는 전주의 6.65%보다 소폭 오른 수치이며, 작년 같은 시기의 6.87%보다는 낮지만 여전히 높은 수준입니다. 프레디맥 수석 이코노미스트인 샘 카터(Sam Khater)는 "30년 고정 모기지 금리가 9주 연속 7% 아래를 유지하고 있어, 주택 구매자와 판매자 모두에게 긍정적인 신호가 되고 있다"고 전했습니다. 하지만 경제 전문가들은 모기지 금리가 당분간 6%대에서 유지될 가능성이 높다고 전망하고 있습니다.  연준(Fed)이 기준금리를 동결한 만큼, 모기지 금리 역시 당분간 큰 변화 없이 유지될 가능성이 큽니다. 매물 증가와 가격 조정, 주택 시장의 변화 최근 주택 시장에서는  매물이 꾸준히 증가하는 반면, 가격 상승세는 둔화 되는 모습을 보이고 있습니다. 집값은 제자리걸음 주택 중위 매물 가격은  전년 대비 변동이 거의 없는 수준 을 유지하고 있습니다. 2024년 10월 이후 처음으로  연간 기준 집값 상승률이 0%를 기록 하였습니다. 가격 조정 물량 증가 최근 판매자들은  매매 속도를 높이기 위해 가격을 조정하는 추세 를 보이고 있습니다. 가격 인하된 매물의 비율이 전년 대비 0.8% 증가하였습니다. 새로운 매물 증가 2025년 들어  10주 연속 신규 매물이 증가 하고 있습니다. 신규 매물은 전년 대비  10% 이상 증가 하며 판매자들이 시장에 다시 진입하는 모습을 보이고 있습니다. 이는 모기지 금리가 여전히 높은 수준을 유지하는 가운데, 더 이상 기다리지 않고  지금이 매도 적기라고 판단한 판매자들이 움직이고 있기 때문 입니다. 시장 둔화: 매물이 늘어나면서 거래 속도는 느려지고 있다 현재 전국적으로 매물이 쌓이고 있으며, 집이 시장에 머무는 기간도 길어지고 있습니다. 전체 매물 증가 현재 판매 중인 주택의 총량이  전년 대비 28.5% 증가 하였습니다. 이는  71주 연속 증가세 를 기록한 것입니다. 거래 속도 둔화 집이 시장에 나와 있는 기간이  지난해 같은 시기보다 4일 더 길어졌습니다. 구매자들이 더 많은 선택지를 갖게 되면서 신중하게 집을 고르는 경향이 강해지고 있습니다. 앞으로의 전망: 모기지 금리는 언제 내려갈까? 부동산 시장 전문가들은 올해 연준이 금리를 완화할 가능성이 있다고 전망하지만, 그 시기가 정확히 언제가 될지는 예측하기 어렵습니다. 리얼터닷컴의 수석 이코노미스트인 조엘 버너(Joel Berner)는 "연준이 올해 하반기 금리를 완화할 가능성이 있으며, 이는 모기지 금리 하락으로 이어질 수 있다"고 말했습니다. 그러나 당장 눈에 띄는 급격한 하락은 기대하기 어려운 상황입니다. 결론: 지금이 매매 적기일까? 현재 주택 시장은 변곡점을 맞이하고 있습니다. 구매자 입장에서는? 선택할 수 있는 매물이 늘어나면서  더 나은 조건으로 집을 찾을 가능성이 커졌습니다. 일부 매도자들이 가격을 조정하면서  협상력이 더 높아지고 있습니다. 판매자 입장에서는? 가격 상승세가 둔화되고 있어,  집값이 더 떨어지기 전에 매도를 고려할 시기 입니다. 특히  4월 13~19일이 올해 주택을 판매하기에 가장 좋은 시기 로 분석되므로, 이를 활용해 전략적으로 매도를 진행하는 것이 좋습니다. 앞으로 몇 달 동안 시장이 어떻게 변할지는 지켜봐야 하지만, 현재 상황에서는 구매자와 판매자 모두 신중하게 전략을 세우는 것이 중요합니다.  부동산 전문가와 상담하여 자신에게 가장 유리한 매매 시기를 결정해 보시길 바랍니다. #시카고복덕방  #리얼터한상철   #한인리얼터   #시카고한인리얼터   #일리노이한인리얼터   #시카고리얼터  #한인부동산칼럼  #한인부동산   #부동산중개인  #ChicagoHomes #ChicagoSuburbHomes #Illinois_Best_Korean_Realtor #DuPageCountyHomes #CookcountyHomes #BestKoreanRealtor #Number1KoreanRealtor #Northbrook_Glenview_Schaumburg_BuffaloGrove_Naperville #Realtor_SangHan #chicagokoreanrealtor  #PlatinumPartnersRealtors #seller #buyer #markettrend #부동산투자 #MarketTrend #balancedmarket #mortgageinterestrate #모기지이자율 #Inventory

As the spring home buying season begins, mortgage rates have seen a slight uptick. Despite the Federal Reserve's decision to keep interest rates unchanged, mortgage rates remain high, causing pressure for both home buyers and sellers. Mortgage Rates Increase to 6.67% According to Freddie Mac data, as of March 20, the  30-year fixed mortgage rate  has risen to  6.67% , up slightly from 6.65% the previous week. Although this is lower than the 6.87% rate from the same time last year, it remains high. Freddie Mac's Chief Economist, Sam Khater, noted that the mortgage rate staying below 7% for nine consecutive weeks is a positive sign for both buyers and sellers. However, economic experts predict that mortgage rates will likely remain in the 6% range for the time being, as the Fed's decision to hold rates steady suggests minimal movement in the near future. Increasing Inventory and Price Adjustments: Changes in the Housing Market The housing market is seeing a steady increase in inventory, while price growth appears to be slowing down. Home Prices Stall The median list price for homes is holding steady compared to last year, with home price growth reaching 0% on a yearly basis for the first time since October 2024. More Price Reductions Sellers are adjusting prices to accelerate sales. The proportion of homes with price reductions has increased by 0.8% compared to last year. Rising New Listings New listings have increased for 10 consecutive weeks into 2025, showing a 10% rise in new homes for sale compared to last year. This surge is driven by sellers deciding it's the right time to sell rather than waiting for a potential drop in mortgage rates. Market Slowdown: More Listings, Slower Transactions While the inventory is growing, transactions are taking longer to complete. Total Inventory Up The total number of homes for sale has increased by 28.5% compared to last year, marking a 71-week streak of rising inventory. Slower Transactions Homes are staying on the market an average of 4 days longer than this time last year. Buyers are taking more time to make decisions, given the increased number of options available. Outlook: When Will Mortgage Rates Decrease? Real estate experts suggest the Federal Reserve may ease interest rates later this year, potentially leading to a drop in mortgage rates. However, a significant and immediate decrease is unlikely. Joel Berner, Chief Economist at Realtor.com , mentions that the Fed may lower rates in the second half of the year, which could lead to a decline in mortgage rates. However, a sharp drop in rates in the short term is not anticipated. Conclusion: Is Now the Right Time to Buy or Sell? The housing market is at a turning point. For Buyers: With more options available, buyers have a better chance of finding a home with favorable terms. Some sellers are lowering prices, which could offer more room for negotiation. For Sellers: With price growth slowing, it might be a good time to sell before prices drop further. Experts suggest that April 13-19 could be the best time to sell a home this year, so sellers should consider this timing when strategizing. While the market may continue to change in the coming months, it’s important for both buyers and sellers to be strategic and consult with real estate experts to decide on the best time to make a move.   #시카고복덕방  #리얼터한상철   #한인리얼터   #시카고한인리얼터   #일리노이한인리얼터   #시카고리얼터  #한인부동산칼럼  #한인부동산   #부동산중개인  #ChicagoHomes #ChicagoSuburbHomes #Illinois_Best_Korean_Realtor #DuPageCountyHomes #CookcountyHomes #BestKoreanRealtor #Number1KoreanRealtor #Northbrook_Glenview_Schaumburg_BuffaloGrove_Naperville #Realtor_SangHan #chicagokoreanrealtor  #PlatinumPartnersRealtors #seller #buyer #markettrend #부동산투자 #MarketTrend #balancedmarket #mortgageinterestrate #모기지이자율 #Inventory