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최근 발표된 미국 부동산 관련 지표를 종합해보면 시장은 겉으로는 조용하지만 내부적으로는 방향성을 잡아가는 과정에 있다고 보셔야 합니다. 기존주택 판매가 전월 대비 크게 감소했다는 발표가 있었고, 동시에 모기지 금리는 소폭 하락하는 흐름을 보이고 있습니다. 건설업자들의 심리지수도 여전히 위축된 상태라는 보도도 이어졌습니다. 이 세 가지 뉴스는 따로 보면 단순한 숫자 변화처럼 보이지만, 함께 보면 중요한 메시지를 줍니다. 지금은 거래량이 줄어든 상황에서 금리가 안정되는 구간으로 진입하고 있고, 공급은 여전히 충분하지 않다는 의미입니다. 1. 기존주택 판매 감소, 그러나 가격 급락은 아님 최근 발표에 따르면 기존주택 판매량이 두 자릿수에 가까운 폭으로 감소했습니다. 표면적으로는 시장이 얼어붙은 것처럼 보일 수 있습니다. 그러나 중요한 점은 거래량이 줄었다고 해서 가격이 급락하고 있는 것은 아니라는 사실입니다. 이는 바이어가 사라졌다기보다는 신중해졌다는 의미에 가깝습니다. 높은 가격과 금리에 익숙해지는 과정 속에서 잠시 숨 고르기를 하는 구간으로 해석하는 것이 더 합리적입니다. 시카고 지역 역시 비슷한 흐름을 보이고 있습니다. 매물은 많지 않고, 잘 정리된 매물은 여전히 빠르게 계약으로 이어집니다. 결국 수요가 사라진 시장이 아니라, 선택적으로 움직이는 시장입니다. 2. 모기지 금리 소폭 하락이 주는 신호 30년 고정 모기지 금리가 최근 소폭 하락했다는 보도가 나왔습니다. 큰 폭은 아니지만 심리적으로는 중요한 변화입니다. 금리가 상승하던 시기와는 분명히 분위기가 다릅니다. 금리가 안정되기 시작하면 가장 먼저 움직이는 쪽은 준비된 바이어입니다. 이미 자금 계획을 세워두고 사전 승인까지 받아둔 바이어는 이런 구간에서 적극적으로 매물을 검토합니다. 시카고 시장에서도 금리 하락 뉴스 이후 문의가 늘어나는 흐름이 보입니다. 특히 첫 주택 구입 바이어와 투자 목적의 바이어가 동시에 움직이기 시작하는 모습입니다. 3. 건설업자 심리지수 약세, 공급은 여전히 제한적 건설업자들의 심리지수가 낮다는 뉴스는 단기적으로는 부정적으로 보일 수 있습니다. 그러나 다른 관점에서 보면 신규 공급이 빠르게 늘어나기 어렵다는 의미이기도 합니다. 공급이 제한된 상태에서 금리가 안정되면 어떻게 될까요. 수요가 회복되는 순간 가격은 다시 탄력을 받을 가능성이 높습니다. 지금은 거래량이 적기 때문에 가격이 조용해 보일 수 있지만, 봄 시즌에 수요가 본격적으로 유입되면 경쟁은 다시 치열해질 수 있습니다. 4. 지금은 기다려야 할 시기일까, 준비해야 할 시기일까 많은 분들이 거래량 감소 뉴스를 보면 기다려야 한다고 생각합니다. 그러나 시장은 항상 뉴스보다 먼저 움직입니다. 금리가 더 떨어질 것이라는 기대만으로 기다리는 사이, 매물은 줄어들고 경쟁은 늘어날 수 있습니다. 특히 시카고는 재고가 충분한 시장이 아니기 때문에 타이밍이 매우 중요합니다. 바이어라면 지금은 준비의 시간이 아니라 실행을 고민해야 할 구간입니다. 셀러라면 거래량이 줄어든 지금이 오히려 경쟁이 적은 기회일 수 있습니다. 매물이 한꺼번에 쏟아지는 시기보다 지금이 더 전략적으로 유리할 수 있습니다. 바이어 전략 금리 하락이 시작되는 초입 구간에서는 사전 승인과 자금 계획이 핵심입니다. 준비된 바이어만이 좋은 매물을 선점할 수 있습니다. 지금은 협상 여지도 존재하는 구간입니다. 셀러 전략 거래량이 줄어든 시장에서는 가격 설정과 마케팅이 성패를 좌우합니다. 정확한 시장 분석을 기반으로 전략적으로 접근하면 충분히 좋은 결과를 만들 수 있습니다. 시장은 항상 조용할 때 기회를 만듭니다. 최근 3~5일간 발표된 뉴스는 시장이 무너지고 있다는 신호가 아니라 방향을 전환하는 초입에 서 있다는 신호로 읽는 것이 맞습니다. 지금 움직이는 분들이 결국 다음 사이클의 수혜자가 됩니다. 부동산은 타이밍과 전략입니다. 개인 상황에 맞는 분석이 필요하시다면 바로 상담받으시기 바랍니다. 시카고 복덕방 한상철 773-717-2227 ChicagoBDB@gmail.com

Looking at the latest U.S. housing data, the market may appear quiet on the surface — but underneath, it’s repositioning. Recent reports show: Existing home sales declined significantly month-over-month Mortgage rates have edged slightly lower Builder confidence remains subdued Individually, these may seem like routine data points. Together, they send a clear message: Transaction volume is slowing, rates are stabilizing, and supply remains constrained. That combination matters. 1️⃣ Existing Home Sales Are Down — But Prices Aren’t Collapsing Recent data shows existing home sales fell by nearly double-digit percentages. At first glance, that might suggest a frozen market. But here’s the key distinction:Lower transaction volume does  not  equal price collapse. What we’re seeing is not disappearing demand — it’s cautious demand. Buyers are adjusting to higher rates and pricing levels. This phase resembles a pause for recalibration rather than a downturn. In the Chicago market, the pattern is similar. Inventory remains limited, and well-presented homes are still going under contract quickly. This is not a demand vacuum — it’s a selective market. 2️⃣ Slight Mortgage Rate Declines Matter More Than They Appear The recent dip in 30-year fixed mortgage rates may not be dramatic, but psychologically it’s meaningful. The tone has shifted from “rates rising” to “rates stabilizing.” When rates begin to level off, the first group to act is always  prepared buyers  — those who already have financing plans in place and pre-approvals secured. In Chicago, inquiries have started to pick up following rate stabilization news, especially among: First-time buyers Investment-oriented buyers The early stage of rate stabilization often precedes broader buyer re-entry. 3️⃣ Builder Sentiment Remains Weak — Supply Isn’t Expanding Builder confidence remains soft. While that may seem negative at first glance, it carries an important implication: New supply is unlikely to surge in the near term. Limited new construction combined with rate stabilization creates a scenario where, if demand strengthens, price resilience or upward pressure can return quickly. Right now, prices may appear stable because transaction volume is low. But if spring demand accelerates while supply remains tight, competition could intensify again. 4️⃣ Should You Wait — Or Prepare to Move? Many people hear “sales down” and assume it’s time to wait. But markets move  before  headlines fully reflect the shift. If buyers wait solely for rates to drop further: Inventory could tighten Competition could increase Pricing leverage could shift Chicago is not an oversupplied market. Timing matters. For buyers, this is less a “wait and see” period and more a strategic entry window. For sellers, reduced transaction volume may actually mean less competition. Listing before a surge of spring inventory can create stronger positioning. Buyer Strategy When rates begin stabilizing, preparation becomes critical. Secure pre-approval Finalize financing structure Monitor targeted inventory closely This window may still offer negotiation flexibility — but only for buyers ready to act. Seller Strategy In slower transaction environments: Pricing accuracy matters more than ever Marketing quality becomes decisive Strategic positioning separates listings A properly positioned home can still achieve strong results even in a lower-volume environment. The Bigger Picture Markets often create opportunity when they appear quiet. The news from the past several days does not signal collapse — it signals transition. The market is moving from reaction mode to recalibration mode. Those who move early in a shifting cycle often benefit the most. Real estate is about timing and strategy. If you’d like a personalized analysis of how current conditions affect your situation in the Chicago area, I’d be happy to discuss. Chicago Real Estate📞 773-717-2227✉️  ChicagoBDB@gmail.com

최근 미국 부동산 시장에서 눈에 띄는 변화가 하나 있습니다. 이미 집을 소유하고 있는 이른바 move-up 바이어들이 기존 주택 대신 신축 주택(New Construction)을 선택하는 사례가 증가하고 있다는 점입니다. 예전에는 집을 갈아타는 바이어들이 기존 주택 중 더 큰 집이나 더 좋은 학군의 집을 찾는 것이 일반적이었습니다. 그러나 지금은 상황이 조금 다릅니다. 신축 단지로 이동하는 비율이 눈에 띄게 늘어나고 있습니다. 1. 기존 매물 부족과 경쟁 부담 현재 미국 전역은 여전히 기존 매물 재고가 부족한 상태입니다. 시카고와 나퍼빌, 노스브룩, 스코키 등 교외 지역 역시 3~4베드 단독주택은 나오자마자 계약되는 경우가 많습니다. 집을 팔고 다른 기존 집을 사려는 move-up 바이어 입장에서는 두 번의 경쟁을 치러야 합니다. 먼저 자기 집을 좋은 가격에 팔아야 하고, 동시에 원하는 집을 놓치지 않아야 합니다. 이 과정이 부담으로 작용하면서 비교적 재고가 확보되어 있고 선택권이 있는 신축 단지로 눈을 돌리는 것입니다. 2. 금리와 빌더 인센티브 최근 Fed의 금리 정책으로 모기지 금리가 여전히 높은 수준을 유지하고 있습니다. 1월 고용 지표가 강하게 나오면서 금리 인하 속도가 늦어질 수 있다는 전망도 나왔습니다. 이런 상황에서 빌더들은 바이어를 유치하기 위해 클로징 크레딧, 모기지 이자율 바이다운, 업그레이드 옵션 제공 등 다양한 인센티브를 제시하고 있습니다. 기존 셀러는 이런 금융 인센티브를 제공하기가 쉽지 않습니다. 결국 move-up 바이어 입장에서는 체감 금리를 낮출 수 있는 신축이 더 매력적으로 보일 수밖에 없습니다. 3. 유지보수 부담 최소화 기존 주택은 지붕, HVAC, 창문, 파이프 등 교체 시점이 가까운 경우가 많습니다. 최근 자재비와 인건비가 모두 오른 상황에서 큰 수리 비용은 부담이 될 수 있습니다. 반면 신축은 최신 에너지 효율 기준을 충족하고, 보증(Warranty)도 포함되는 경우가 많아 초기 몇 년간 유지비 부담이 상대적으로 적습니다. 특히 자녀가 있는 가정이나 맞벌이 가정에서는 예측 가능한 비용 구조가 중요합니다. 4. 라이프스타일 변화 팬데믹 이후 재택근무, 홈짐, 추가 오피스 공간에 대한 수요가 증가했습니다. 신축은 이런 트렌드를 반영한 플로어플랜을 제공합니다. 오픈 컨셉 구조, 대형 아일랜드 키친, 2층 로프트 공간 등은 기존 주택에서는 리모델링이 필요한 요소들입니다. move-up 바이어들은 단순히 집의 크기만 키우는 것이 아니라, 생활의 질을 업그레이드하려는 선택을 하고 있습니다. 시카고 시장에서의 의미 시카고 메트로 지역은 신규 공급이 많은 남부나 텍사스 지역과는 다릅니다. 대규모 신축 커뮤니티가 제한적입니다. 그렇기 때문에 괜찮은 신축 단지는 빠르게 소진됩니다. 특히 나퍼빌, 플레인필드, 오로라, 레이크 카운티 일부 지역에서는 빌더 프로젝트가 진행 중이지만, 2026년 이후에는 토지와 건축비 상승으로 분양가가 더 오를 가능성이 있습니다. 지금 움직이는 바이어들은 단순히 집을 바꾸는 것이 아니라, 향후 5~10년 자산 가치를 고려한 전략적 선택을 하고 있습니다. 바이어와 셀러 모두에게 주는 메시지 바이어라면 기다리기만 하는 전략은 더 이상 안전하지 않을 수 있습니다. 금리 인하를 기대하며 미루는 동안 가격이 더 오를 가능성도 충분히 있습니다. 특히 신축은 단계별로 가격을 인상하는 구조이기 때문에 초기 분양 단계가 가장 유리합니다. 셀러라면 지금이 move-up 수요를 흡수할 수 있는 타이밍일 수 있습니다. 기존 주택을 찾는 바이어층은 여전히 존재하며, 신축 가격이 오를수록 기존 주택의 상대적 가치는 더 부각될 수 있습니다. 결국 시장은 멈춰 있지 않습니다. 움직이는 사람이 기회를 잡습니다. 부동산은 타이밍입니다.내 상황에 맞는 전략이 필요하시면 지금 바로 상담받으시기 바랍니다. 시카고 복덕방  한상철773-717-2227 ChicagoBDB@gmail.com

요즘처럼 금리와 경제 뉴스가 계속 바뀌는 시기에는 바이어뿐 아니라 기존 집주인분들도 전략이 필요합니다. 많은 분들이 집값이 올랐다는 건 알고 계시지만, 정작 그 안에 쌓여 있는 ‘홈에퀴티(Equity)’를 어떻게 활용해야 할지에 대해서는 깊이 고민하지 않는 경우가 많습니다. 최근 몇 년간 시카고와 서버브 지역, 특히 Naperville, Northbrook, Glenview, Schaumburg 같은 인기 학군 지역은 꾸준한 가격 상승을 경험해 왔습니다. 모기지를 몇 년만 상환하셨어도 생각보다 상당한 자산이 집 안에 쌓여 있을 가능성이 높습니다. 그렇다면 이 자산 가치를 어떻게 활용할 수 있을까요? 1️⃣ 더 나은 집으로 이동하는 레버리지로 활용 가족이 늘어나거나, 반대로 자녀가 독립하면서 집이 너무 커졌다고 느끼는 분들도 계십니다. 이럴 때 가장 강력한 무기가 바로 현재 집의 자산 가치입니다. 집을 매도하면 생기는 에퀴티를 다음 집의 다운페이먼트로 사용하면 월 페이먼트를 크게 줄일 수 있습니다. 심지어 일부 셀러들은 상당한 현금을 확보해 경쟁 시장에서 매우 강한 오퍼를 넣을 수 있는 위치에 서게 됩니다. 지금 시카고 시장은 완전한 바이어 마켓도 아니고, 그렇다고 셀러 마켓도 아닙니다. 준비된 사람에게 기회가 가는 시장입니다. 에퀴티는 그 준비의 핵심 자산입니다. 2️⃣ 현재 집의 가치를 더 키우는 투자 이사를 계획하지 않으신다면, 에퀴티를 활용해 집 자체의 가치를 높일 수도 있습니다. 주방 리모델링, 욕실 업그레이드, 마루 교체, 에너지 효율 창호 교체 등은 일리노이 시장에서 매도 시 프리미엄을 받을 수 있는 요소들입니다. 특히 요즘 바이어들은 턴키(바로 입주 가능) 상태를 선호하는 경향이 강합니다. 단, 모든 공사가 투자 대비 수익으로 이어지는 것은 아닙니다. 지역별 수요를 정확히 분석한 후 전략적으로 접근해야 합니다. 무작정 공사하는 것은 위험합니다. 3️⃣ 사업, 투자, 자녀 교육 등 인생 목표에 활용 에퀴티는 단순히 집 안에 묶여 있는 숫자가 아닙니다. 제대로 설계하면 새로운 기회를 만드는 자산입니다. 사업 확장, 투자용 부동산 구입, 자녀 학자금, 은퇴 준비 등 장기적 계획이 있다면 에퀴티를 활용하는 전략을 고민해볼 수 있습니다. 특히 요즘처럼 SBA 정책이나 금융 환경이 변동하는 시기에는 자금 확보 전략이 매우 중요합니다. 다만, 소비성 지출이 아니라 미래를 키우는 방향으로 활용해야 합니다. 이 부분은 반드시 전문가와 상의하셔야 합니다. 4️⃣ 불확실한 경제 속 재정적 안전장치 2026년 현재, 금리 인하 기대와 인플레이션 우려가 동시에 존재하는 상황입니다. 고용 지표는 여전히 견조하지만, 소비 둔화 가능성도 거론되고 있습니다. 이럴 때 중요한 것은 ‘현금 흐름 안정성’입니다. 에퀴티는 단순한 숫자가 아니라 재정적 완충 장치가 될 수 있습니다. 필요 시 구조를 재정비하고, 부담을 줄이고, 포지션을 다시 설계할 수 있는 선택지를 제공합니다. 아무 준비 없이 시장 변화를 맞이하는 것과, 자산을 이해하고 전략을 세운 상태에서 맞이하는 것은 완전히 다릅니다. 지금이 중요한 이유 많은 분들이 금리가 더 내려가면 움직이겠다고 말씀하십니다. 그러나 시장은 기다려주는 구조가 아닙니다. ✔ 금리가 내려가면 바이어 수요는 폭증합니다.✔ 경쟁이 치열해지면 가격은 다시 오릅니다.✔ 준비되지 않은 사람은 기회를 놓칩니다. 에퀴티는 단순한 과거의 결과가 아니라, 미래 선택권입니다.지금 내 집에 얼마나 쌓여 있는지, 어떤 전략이 가능한지부터 정확히 아셔야 합니다. 막연히 기다리기보다는, 전략을 세우고 움직일 준비를 해야 할 시기입니다. 결론 내 집의 자산 가치는 그냥 숫자가 아닙니다.그것은 다음 집으로 가는 발판이 될 수도 있고, 삶의 질을 높이는 투자 자금이 될 수도 있으며, 사업 확장의 기반이 될 수도 있고, 위기 속 안전망이 될 수도 있습니다. 지금 에퀴티를 활용하지 않는다면, 기회를 그냥 묶어두는 것과 같습니다. 📞 지금 내 집의 현재 가치와 활용 전략이 궁금하시다면 시카고 복덕방 한상철 773-717-2227 ChicagoBDB@gmail.com

There’s a noticeable shift happening in today’s U.S. housing market. More move-up buyers — homeowners who already own a property and are looking to upgrade — are choosing  new construction homes  instead of existing resale properties. Traditionally, move-up buyers searched for larger resale homes or properties in stronger school districts. But today, many are heading straight to new construction communities. Here’s why. 1️⃣ Low Resale Inventory and Double Competition Across much of the country — including Chicago suburbs like Naperville, Northbrook, and Skokie — well-priced 3–4 bedroom homes often go under contract quickly. For move-up buyers, this creates a stressful “double competition” scenario: First, they must sell their current home at a strong price. Then, they must compete aggressively to secure their next home. New construction communities often have available inventory, structured release schedules, and clearer timelines. Instead of competing in multiple-offer situations, buyers gain more control and predictability. 2️⃣ Builder Incentives in a High-Rate Environment Mortgage rates remain elevated, and recent strong employment data has reduced expectations of rapid Fed rate cuts. In this environment, builders are aggressively offering incentives to attract buyers, such as: Closing cost credits Mortgage rate buydowns Free or discounted upgrade packages Resale sellers typically cannot offer rate buydowns or large structured incentives. For move-up buyers, a builder-subsidized lower effective rate can significantly improve affordability. 3️⃣ Lower Maintenance and Predictable Costs Existing homes often come with aging systems — roofs, HVAC units, windows, plumbing — that may require replacement soon. With labor and material costs rising, unexpected repairs can be expensive. New construction homes: Meet modern energy-efficiency standards Often include builder warranties Reduce major repair risks in the first several years For dual-income households and families with children, predictable expenses matter. New homes offer financial stability in the early years of ownership. 4️⃣ Lifestyle-Driven Design Post-pandemic lifestyle changes have reshaped buyer priorities. Home offices, workout spaces, and flexible living areas are now highly desirable. New construction homes typically offer: Open-concept layouts Large kitchen islands Dedicated office space Loft or bonus areas Move-up buyers aren’t just upgrading square footage — they’re upgrading lifestyle quality. Remodeling older homes to achieve similar layouts can be costly and time-consuming. What This Means for the Chicago Market Chicago metro differs from high-growth Sunbelt markets. Large-scale new construction communities are more limited. In areas like Naperville, Plainfield, Aurora, and parts of Lake County, builder projects are active — but inventory is finite. Land and construction costs are rising, and many builders increase prices in phases. Buyers who enter early in a development cycle often secure better pricing than those who wait. Today’s move-up buyers are thinking strategically — not just about comfort, but about 5–10 year asset positioning. The Message for Buyers and Sellers For Buyers Waiting indefinitely for rate cuts may not be the safest strategy. If rates drop, demand may surge — and so may prices. In new construction, early-stage pricing is often the most favorable. For Sellers This may be an ideal moment to capture move-up demand. Resale homes remain attractive, especially as new construction prices rise. As builder prices increase, well-priced resale homes can look even more competitive. The market is not frozen. It is shifting. Those who move strategically often benefit the most. Real estate is about timing and positioning. If you’d like to discuss your personal move-up strategy or explore new construction opportunities in the Chicago area, feel free to reach out. Chicago Real Estate📞 773-717-2227✉️  ChicagoBDB@gmail.com

In a market where interest rates and economic headlines shift constantly, strategy isn’t just for buyers — homeowners need one too. Many homeowners know their property value has increased. But far fewer have seriously considered how to strategically use the  home equity  they’ve built. Over the past several years, Chicago and surrounding suburbs — especially areas like Naperville, Northbrook, Glenview, and Schaumburg — have experienced steady price appreciation. Even if you’ve only paid down your mortgage for a few years, you may have accumulated substantial equity. So how can you use it? 1️⃣ Use It as Leverage for Your Next Home Maybe your family has grown. Maybe your children have moved out and the house feels too large. Your current home’s equity can become your strongest financial tool. By selling and applying your equity toward a down payment on your next property, you can: Significantly reduce your monthly payment Strengthen your offer in competitive situations Potentially secure a home without heavy financing pressure Today’s Chicago market isn’t purely a buyer’s market or a seller’s market. It favors those who are prepared. Equity is often the foundation of that preparation. 2️⃣ Reinvest to Increase Your Current Home’s Value If you’re not planning to move, you can use equity strategically to enhance your property’s value. In the Illinois market, improvements such as: Kitchen remodels Bathroom upgrades Flooring replacement Energy-efficient window installations can command a premium at resale — especially since buyers strongly prefer turnkey homes. However, not every renovation delivers a positive return. Improvements must align with neighborhood demand and price ceilings. Strategic planning matters more than spending. 3️⃣ Use It to Fund Major Life Goals Equity isn’t just money sitting in your walls. When structured properly, it becomes a growth tool. It can support: Business expansion Investment property purchases College tuition planning Retirement repositioning In times when lending policies and financial conditions fluctuate, access to capital is power. The key is using equity to build your future — not to fund short-term consumption. Professional financial guidance is strongly recommended before making major decisions. 4️⃣ Create a Financial Safety Buffer As of 2026, rate-cut expectations and inflation concerns coexist. Employment remains solid, yet consumer slowdowns are being discussed. In uncertain times, cash-flow stability is critical. Equity provides optionality: Debt restructuring Financial repositioning Emergency liquidity planning Facing market changes without a plan is risky. Understanding your asset position gives you control. Why Timing Matters Many homeowners say they’ll move when rates fall. But consider this: ✔ If rates drop, buyer demand could surge. ✔ Increased competition may push prices higher. ✔ Those unprepared could miss their opportunity. Equity is not simply the result of past appreciation — it represents future choices. Understanding how much you have and what strategies are available is the first step. Waiting without planning is not a strategy. Final Thought Your home’s equity is not just a number. It can be: A bridge to your next home Capital for value-enhancing improvements A foundation for business or investment A financial safety net Leaving equity unused is leaving opportunity dormant. If you’d like to understand your home’s current market value and explore strategic options tailored to your situation, I would be glad to assist. Chicago Real Estate — Strategic Planning for 2026 📞 773-717-2227✉️  ChicagoBDB@gmail.com

2026년 1월 미국 비농업 고용이 13만 명 증가했고, 실업률은 4.3%로 하락했다는 발표가 나왔습니다. 겉으로 보면 경제가 탄탄하다는 신호입니다. 하지만 시장의 반응은 단순히 긍정적이지만은 않습니다. 오히려 Fed의 금리 인하 기대가 약해지면서 모기지 금리가 당분간 높은 수준을 유지할 가능성이 커지고 있습니다. 현재 인플레이션은 최근 발표 기준 연율 2.7% 수준입니다. Fed의 목표치인 2%에는 아직 도달하지 못한 상태입니다. 고용이 강하면 사람들의 소득이 늘어나고 소비가 증가하게 됩니다. 소비가 늘어나면 기업은 가격을 올릴 수 있고, 이는 다시 물가 상승 압력으로 이어집니다. 이런 구조에서는 Fed가 금리를 서둘러 낮추기보다 오히려 높은 수준을 더 오래 유지하려는 선택을 할 가능성이 높습니다. 많은 분들이 고용이 좋으면 금리도 자연스럽게 내려갈 것이라고 생각하십니다. 하지만 Fed는 물가 안정을 최우선 목표로 두고 있기 때문에 인플레이션이 2% 아래로 확실히 안정되기 전까지는 신중한 태도를 유지할 가능성이 큽니다. 즉, 올해 금리 인하가 예상보다 적거나 늦어질 가능성도 배제할 수 없습니다. 그렇다면 부동산 시장에는 악재일까요 단기적으로는 부담 요인이 맞습니다. 모기지 금리가 6%대에 머물러 있는 상황에서 바이어의 월 페이먼트 부담은 여전히 높습니다. 금리 인하 기대가 약해지면 매수 심리가 다시 위축될 수 있습니다. 일부에서는 올해 거래량 회복이 지연될 수 있다는 전망도 나오고 있습니다. 하지만 여기서 중요한 점이 있습니다. 이번 고용 증가에서 가장 크게 늘어난 산업은 헬스케어였고, 소셜 어시스턴스와 건설 분야도 의미 있는 증가를 보였습니다. 특히 건설업 고용이 예상보다 늘어난 점은 경제의 기초 체력이 약하지 않다는 신호입니다. 경제가 급격히 식는 상황이 아니라는 것은 주택 수요 역시 완전히 꺼지지 않는다는 의미입니다. 시카고 및 일리노이 시장은 다르게 봐야 합니다 현재 시카고 및 교외 지역은 여전히 인벤토리 부족 현상이 이어지고 있습니다. 매물 공급이 제한적인 상황에서 수요가 완전히 사라지지 않는다면 가격이 급락하는 구조는 아닙니다. 오히려 금리가 쉽게 내려가지 않는 환경에서는 준비된 바이어와 전략을 갖춘 셀러만 움직이게 됩니다. 이런 시장에서는 정확한 가격 전략과 협상 전략이 훨씬 더 중요해집니다. 많은 분들이 금리가 내려갈 때까지 기다리겠다고 말씀하십니다. 하지만 만약 인플레이션이 다시 자극되면 금리는 더 오래 높은 수준을 유지할 수 있습니다. 기다림이 항상 유리한 전략은 아닙니다. 지금은 관망이 아니라 전략이 필요한 시기입니다 현재 시장은 좋다, 나쁘다로 단순히 나눌 수 있는 국면이 아닙니다. 고용은 강하고 경제는 버티고 있으며, 인플레이션은 목표치에 근접했지만 아직 완전히 잡히지는 않았습니다. 이럴 때는 막연한 기대보다 구체적인 계산과 전략이 필요합니다. 바이어라면 현재 금리 환경에서의 협상력과 가격 조정 가능성을 활용할 수 있고, 셀러라면 공급 부족이라는 구조적 요인을 활용할 수 있습니다. 결국 움직이는 사람이 기회를 잡습니다. 시카고 및 근교 지역 부동산 전략이 필요하시면 언제든지 상담해 드리겠습니다. 시카고 복덕방  한상철773-717-2227 ChicagoBDB@gmail.com

In January 2026, U.S. nonfarm payrolls increased by  130,000 jobs , and the unemployment rate fell to  4.3% . On the surface, this signals a resilient economy. However, the market reaction has been more cautious. Strong labor data has reduced expectations for near-term Federal Reserve rate cuts, meaning mortgage rates may stay elevated for longer. Inflation is currently running at  2.7% annually , still above the Fed’s 2% target. When employment is strong, incomes rise. When incomes rise, consumer spending increases. More spending can keep upward pressure on prices. In that environment, the Fed is more likely to maintain higher interest rates rather than rush to cut them. Many assume that strong employment automatically leads to lower rates. In reality, the Fed prioritizes price stability. Until inflation clearly moves below 2%, policymakers are likely to remain cautious. That means rate cuts in 2026 could be fewer or delayed compared to earlier expectations. Is This Negative for the Housing Market? In the short term, yes — it creates pressure. With mortgage rates holding in the 6% range: Monthly payments remain high. Buyer sentiment can weaken. Transaction recovery may slow. Some analysts suggest that overall transaction volume may take longer to rebound this year. However, there’s an important counterpoint. The largest job gains came from  healthcare , with meaningful increases also seen in  social assistance and construction . Growth in construction employment in particular signals that the economic foundation remains solid. This is not an economy in contraction. If the economy is not sharply weakening, housing demand is unlikely to collapse. Chicago and Illinois: A Different Dynamic Chicago and many surrounding suburban markets continue to experience  inventory shortages . Supply remains structurally limited, and many homeowners are holding onto low-rate mortgages. If supply remains constrained and demand does not disappear, a sharp price correction becomes less likely. In an environment where rates are not falling quickly: Only prepared buyers move. Only strategically positioned sellers succeed. Pricing and negotiation strategy become critical. Many buyers say they are waiting for rates to drop. But if inflation reaccelerates, rates could remain elevated even longer. Waiting is not always the most advantageous strategy. This Is Not a “Good” or “Bad” Market — It’s a Strategic One The current environment cannot be labeled simply as positive or negative. Employment is strong. The economy is stable. Inflation is close to target, but not fully controlled. Rates may stay higher for longer. In this kind of market, vague expectations are less effective than clear financial calculations and structured strategy. For buyers: Negotiation leverage still exists in certain segments. Price adjustments and seller credits are available in the right situations. For sellers: Structural supply shortages remain a supportive factor. Proper pricing and preparation are essential. Ultimately, those who move strategically — not emotionally — are the ones who capture opportunity. If you need a customized strategy for the Chicago and surrounding suburban real estate market, I would be glad to help you evaluate your options. Chicago BDB – Sang Chul Han 📞 773-717-2227✉️  ChicagoBDB@gmail.com

최근 몇 년간 집을 구매하려는 많은 분들이  매물이 너무 없어서  집 찾는 데 어려움을 겪으셨습니다. 집값 경쟁도 치열했지만, 무엇보다  선택할 매물이 부족하다는 점 이 가장 큰 부담이었을 텐데요. 다행히 올해에는 그런 상황이  변하고 있다 는 목소리가 부동산 시장 곳곳에서 들리고 있습니다. 왜 재고가 늘어나는 것이 중요한가요? 부동산에서 말하는  재고(inventory) 란, 시장에 나와 있는  판매 가능한 주택 수 를 뜻합니다. 이 재고가 늘어나면 다음과 같은 변화가 생깁니다: 구매자가  비교할 수 있는 선택지가 많아진다 입찰 경쟁이 조금은 줄어들 수 있다 협상력이 조금 더 구매자 쪽으로 움직일 여지가 생긴다 즉, 단순히 집이 많아지는 것이 아니라  시장 균형이 회복되는 신호 로 읽히는 것입니다. 재고가 늘어나는 이유는 무엇인가요? 최근 부동산 데이터를 보면 2025년 1월 기준으로  판매 가능한 주택 수가 지난 몇 년 동안보다 크게 증가한 수준 을 나타냈습니다. 이는 과거 몇 년간 극심하게 부족했던 매물이  조금씩 회복되는 방향 으로 움직이고 있다는 점을 보여주는 중요한 신호로 해석되고 있습니다. 전문가들은 앞으로도 이런 재고 증가 흐름이 이어질 것으로 보고 있습니다. 올해 전체로 보면 지난해보다  재고가 더 늘어날 가능성 이 높고, 일부 지역은 벌써 과거 보통 수준의 매물이 회복되는 움직임을 보이고 있다는 평가까지 나오고 있습니다. 시장 균형 회복 — 구매자에게 유리한 기회 재고가 늘어난다는 것은 단순히 매물 숫자가 증가한다는 의미가 아닙니다. 몇 가지 긍정적인 흐름으로 연결될 수 있습니다: 예전처럼  매물 하나에 수십 명이 몰리는 경쟁 이 줄어들 수 있습니다. 마음에 드는 집을 찾을 때  비교 선택 이 가능해집니다. 가격 협상에서도 조금 더  여유 있는 전략 을 쓸 수 있는 가능성이 커집니다. 즉, 지금처럼 재고 증가 흐름이 계속되면 앞서 몇 년보다  구매자를 위한 시장 조건 이 더 좋아질 수 있는 구조입니다. 지금이 중요한 이유 지금처럼 재고가 회복되기 시작하는 시점은  구매를 준비하는 분들에게 중요한 기회 입니다. 여러 매물을 비교하면서 신중하게 선택할 수 있는 여지가 생기기 때문입니다. 특히 시카고처럼 인기 있는 지역에서는 매물이 늘어날수록 선호하는 동네, 가격대, 구조 등을 구체적으로 선택할 기회가 확대됩니다. 치열한 경쟁 속에서 ‘일단 집부터 잡아야 한다’는 마음이 들기보다는,  내 조건에 맞는 집을 찾을 수 있는 여유 가 점점 커지는 흐름입니다. 또한 재고 회복은 매수·매도 간의 힘이  조금 더 균형을 이루는 방향 으로 움직인다는 신호입니다. 이런 변화는 단순히 숫자의 증가뿐 아니라 시장 전략을 다시 생각해볼 중요한 타이밍이 됩니다. 결론 — 준비된 분에게 기회입니다 2026년은 단순히 재고가 늘어나는 해가 아니라,  구매자에게 선택권과 전략적 기회를 주는 해 가 될 수 있습니다. 지금까지 매물이 너무 없어 주저했던 분들이 계셨다면, 이런 흐름은  진지하게 집 검색을 재개할 신호 로 생각해도 좋습니다. 기회를 놓치지 말고, 지금이 적절한 시장 진입 시점인지 함께 고민해 보시기 바랍니다. 지금 부동산 시장에서 어떤 선택을 해야 할지 고민이시라면 언제든지 문의 주세요. 시카고 복덕방 한상철 773-717-2227,  ChicagoBDB@gmail.com

Over the past few years, many buyers struggled not just with high prices, but with a severe lack of available homes. In many markets, the biggest frustration wasn’t competition alone — it was simply not having enough options to choose from. The good news? In 2026, that trend is beginning to shift. Why Does Rising Inventory Matter? In real estate,  inventory  refers to the number of homes actively listed for sale. When inventory increases, several important things happen: Buyers have more options to compare Bidding wars may become less intense Negotiating power can shift slightly toward buyers In other words, rising inventory isn’t just about more houses — it’s about the market moving back toward balance. Why Is Inventory Increasing? Recent housing data shows that available listings as of early 2026 are noticeably higher than in the previous few years. After a prolonged period of extreme shortage, supply is gradually recovering. Experts expect this trend to continue throughout the year. In some areas, inventory levels are already approaching more historically normal ranges. This does not mean the market is crashing — it means the extreme imbalance of the past few years is easing. A More Balanced Market Benefits Buyers When inventory grows, positive shifts follow: Fewer situations where dozens of buyers compete for one property More time to evaluate homes carefully Greater opportunity for price or credit negotiations Compared to the frenzied conditions of recent years, buyers now have more room to think strategically rather than react emotionally. Why Timing Matters Right Now Periods when inventory begins recovering can present important opportunities. In competitive markets like Chicago and its suburbs, more listings mean: Better neighborhood selection More flexibility in price range Greater chance of finding the right layout and features Instead of feeling pressure to “grab anything available,” buyers may now be able to prioritize fit, condition, and long-term value. As inventory stabilizes, the balance between buyers and sellers becomes healthier — and that shift can create meaningful strategic advantages. The Bottom Line — Opportunity Favors the Prepared 2026 may not just be the year inventory rises — it may be the year buyers regain leverage. If you’ve been waiting because there simply weren’t enough homes to consider, this could be your signal to re-enter the market thoughtfully and strategically. If you’d like help evaluating whether now is the right time for your situation, feel free to reach out. Chicago Bokdeokbang – Sang Chul Han 📞 773-717-2227📧  ChicagoBDB@gmail.com

미국 내 많은 첫 주택 구매자들이 최근 타운홈을 눈여겨보고 있습니다. 전통적인 단독주택에 비해 초기 비용 부담이 낮고 선택 폭이 넓어 상대적으로  첫 주택 소유의 현실적인 대안 이 되고 있기 때문입니다. 타운홈 공급이 늘어나고 있습니다 최근 주택 공급을 보면 단독주택뿐 아니라 타운홈 비중이 빠르게 증가했습니다. 과거보다 많은 개발업체가 타운홈을 건설하면서 시장 내 타운홈 재고가 늘었고, 그만큼 구매자의 선택 폭이 확대되고 있습니다. 이런 공급 확대로 인해 바이어가 다양한 옵션을 비교‧선택할 수 있는 여건이 조성되고 있습니다. 타운홈이 첫 주택 구매자에게 매력적인 이유 1. 상대적으로 낮은 가격 경쟁력 타운홈은 일반적으로 단독주택보다 평수가 작고 자재·공사비가 절약되는 구조이기 때문에  가격 자체가 낮아 첫 주택 구매자가 접근하기 쉬운 편입니다. 비슷한 예산을 기준으로 검색할 때 단독주택보다 선택 가능한 매물이 많아지는 효과가 있습니다. 2. 다양한 구매 유인책 최근 시장에서는 타운홈을 팔기 위해 판매자나 건설업체가  클로징 비용 지원, 모기지 금리 지원(금리 바이어다운) 등 바이어에게 유리한 조건을 제시하려는 경우 가 늘고 있습니다. 이런 조건들은 첫 주택 구매자의 초기 금융 부담을 더 낮춰 줍니다. 고려해야 할 부분 물론 장점 외에도 주의할 점이 있습니다. 공유 벽(Shared Wall) 구조 : 옆집과 벽을 함께 쓰는 구조이기 때문에 소음 문제에 민감할 수 있습니다. HOA 비용 및 규정 : 대부분 타운홈은 주택소유자협회(HOA)가 있어 월별 비용과 규정이 존재합니다. HOA 비용이 추가로 발생하고, 정원관리나 외벽 관리 등 몇몇 의무가 부여될 수 있습니다. 이런 요소들은 구매 결정을 하기 전에 반드시 점검해야 할 중요한 부분입니다. 시카고 및 미국 시장 맥락 현재 미국 주택 시장은 여전히  높은 집값과 부담스러운 모기지 금리  환경입니다. 이런 여건 속에서 첫 주택 구매자들은 낮은 진입 비용과 관리 편의성을 제공하는 다양한 주택 유형을 고려할 필요가 있습니다. 시카고 부동산 시장에서도 단독주택만 고집하기보다는 타운홈, 콘도 등 다양한 선택지를 비교하면서 예산과 라이프스타일에 맞는 옵션을 찾는 분들이 늘어나고 있습니다. 결론: 지금이 기회를 잡을 시점입니다 만약 단독주택 구매가 예산 부담으로 느껴진다면  타운홈을 선택지에 포함시키는 것 이 첫 주택 소유 기회를 앞당길 수 있는 좋은 전략입니다. 공급이 늘어나고 있고 바이어에게 유리한 조건들이 존재하기 때문에 지금 시장에서 기회를 놓치지 말고 움직이시는 것이 중요합니다. 지금 바로 상담을 통해  예산에 맞는 타운홈 옵션 을 확인해 보시길 바랍니다.

Across the U.S., many first-time homebuyers are increasingly turning their attention to townhomes. Compared to traditional single-family homes, townhomes often come with a lower upfront cost and broader availability, making them a practical entry point into homeownership. Townhome Supply Is Increasing Recent housing supply trends show that the share of newly built townhomes has grown significantly. Developers are responding to affordability challenges by constructing more attached housing, which requires less land and lower building costs compared to detached homes. As inventory expands, buyers now have more opportunities to compare layouts, locations, and pricing—creating a more competitive and flexible environment for first-time purchasers. Why Townhomes Appeal to First-Time Buyers 1. More Affordable Price Point Townhomes are typically smaller than single-family homes and built with cost-efficient materials and shared structural components. As a result, they often come at a lower price. For buyers searching within a fixed budget, this means: More listings available in their price range Access to neighborhoods that might be unaffordable for detached homes Lower down payment requirements in many cases In high-cost metro areas like Chicago, this affordability gap can make a meaningful difference. 2. Buyer Incentives in Today’s Market In the current market environment, some builders and sellers are offering incentives to move townhome inventory, such as: Closing cost assistance Mortgage rate buydowns Builder-paid credits For first-time buyers, these incentives can significantly reduce upfront financial strain and improve monthly affordability. Important Considerations Before Buying While townhomes offer strong advantages, buyers should also evaluate the following: Shared Walls Because townhomes are attached properties, you may share one or more walls with neighboring units. Sound insulation and construction quality become important factors. HOA Fees and Rules Most townhomes are part of a Homeowners Association (HOA). This means: Monthly HOA fees Community regulations Maintenance responsibilities that may be shared or partially covered HOA fees can be worthwhile if they include exterior maintenance, landscaping, or snow removal—but they must be factored into your monthly budget. Market Context: Why This Matters Now The U.S. housing market continues to face elevated home prices and mortgage rates. In this environment, first-time buyers are adjusting their expectations and exploring housing types that offer: Lower entry costs Reduced maintenance More manageable long-term expenses In Chicago and surrounding suburbs, many buyers are broadening their search to include townhomes and condos rather than focusing exclusively on detached houses. Final Takeaway: A Strategic Entry Into Homeownership If buying a single-family home feels financially overwhelming, including townhomes in your search may accelerate your path to ownership. With growing supply and buyer-friendly incentives available in certain segments, this can be an opportune moment to explore realistic and sustainable options.