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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.

최근 미국 의회에서 논의되고 있는 Housing for the 21st Century Act는 장기적으로 심화되고 있는 주택 공급 부족 문제를 해결하기 위해 발의된 연방 차원의 주택 정책 법안입니다. 이 법안의 핵심 목적은 중저가 주택과 임대 주택 공급을 확대하고, 민간 개발과 공공 정책을 함께 활용해 주택 시장의 구조적인 병목 현상을 완화하려는 데 있습니다. 특히 젊은 세대와 중산층 가구가 감당할 수 있는 가격대의 주택이 줄어들고 있다는 문제 인식에서 출발했습니다. 왜 필요하고, 어떻게 추진되며, 언제 시행을 목표로 하나 이 법안이 등장한 배경에는 금리 인상과 건축 비용 상승, 각 지역의 과도한 규제로 인해 신규 주택 공급이 수요를 따라가지 못하고 있다는 현실이 있습니다. 법안은 연방 정부 차원에서 주정부와 로컬 정부가 주택 공급을 늘릴 수 있도록 인센티브를 제공하고, 개발 과정에서 불필요한 행정 장벽을 완화하는 방향을 담고 있습니다. 현재는 하원에 발의된 상태로 관련 상임위원회 검토 단계에 있으며, 조기 통과 시 향후 몇 년에 걸쳐 단계적으로 시행하는 것을 목표로 하고 있습니다. 현재 논의 단계와 시장에서 바라보는 시선 아직 법안이 확정된 것은 아니지만, 워싱턴에서는 주택 공급 확대가 더 이상 미룰 수 없는 과제라는 공감대가 형성되고 있습니다. 부동산 업계에서는 이 법안이 단기적인 가격 급락을 유도하기보다는, 중장기적으로 공급 압박을 완화하는 구조적인 신호로 작용할 가능성에 주목하고 있습니다. 특히 개발업자와 금융권에서는 연방 정부 차원의 명확한 방향성이 시장의 불확실성을 줄여줄 수 있다는 점을 긍정적으로 평가하는 분위기입니다. 법안 통과 시 기대되는 단기적 효과 이 법안이 실제로 통과될 경우, 단기적으로는 신규 개발 프로젝트에 대한 심리적 기대감이 먼저 형성될 가능성이 큽니다. 개발 규제 완화와 재정적 지원 가능성은 건설 및 관련 산업 전반에 긍정적인 경제 효과를 줄 수 있고, 주택 공급 확대에 대한 신호는 바이어들의 장기적인 구매 판단에도 영향을 미칠 수 있습니다. 부동산 시장에서는 급격한 가격 하락보다는, 상승 압력이 점진적으로 완화되는 흐름이 나타날 가능성이 높다는 분석이 많습니다. 반대 측의 우려와 이에 대한 대응 방향 반대하는 측에서는 과도한 공급 확대가 지역 인프라 부담을 키울 수 있고, 특정 지역의 주택 가치가 단기적으로 흔들릴 수 있다는 점을 우려하고 있습니다. 또한 연방 정부의 개입이 로컬 시장의 자율성을 해칠 수 있다는 시각도 존재합니다. 이에 대해 법안 지지 측에서는 지역별 특성을 반영한 유연한 적용과 단계적 시행을 통해 부작용을 최소화하고, 주정부와 로컬 정부의 선택권을 존중하는 구조를 통해 균형을 맞추겠다는 방향을 제시하고 있습니다. 지금 바이어와 셀러가 생각해봐야 할 포인트 이 법안은 당장 내일 시장을 뒤흔들 뉴스라기보다는, 향후 몇 년간 부동산 시장의 큰 방향성을 보여주는 신호에 가깝습니다. 이런 시기일수록 바이어와 셀러 모두 막연히 기다리기보다는, 정책 변화가 본인의 계획에 어떤 영향을 줄 수 있는지 점검해보는 것이 중요합니다. 시장은 언제나 정책이 아니라, 준비된 사람에게 먼저 기회를 주는 방향으로 움직여 왔습니다. 지금 상황에 맞는 전략이 필요하십니까 부동산 시장은 뉴스 한 줄보다, 그 뉴스가 실제 거래에 어떻게 연결되는지를 이해하는 것이 더 중요합니다. 현재 시장 흐름과 향후 정책 변화를 바탕으로, 구매와 매도 타이밍에 대해 구체적인 전략이 필요하시다면 언제든지 상담을 요청해 주시기 바랍니다. 시카고 복덕방 한상철 📞 773-717-2227✉️  ChicagoBDB@gmail.com

The  Housing for the 21st Century Act  is a proposed federal housing policy currently being discussed in the U.S. Congress. Its primary goal is to address the long-term housing supply shortage that has been intensifying across the country. Rather than acting as a short-term stimulus, this legislation aims to  expand the supply of affordable and rental housing , reduce structural bottlenecks in development, and align federal incentives with state and local housing efforts. The bill is largely driven by growing concern that younger generations and middle-income households are being priced out of the housing market. Why Is This Bill Necessary? The backdrop of this legislation includes: Elevated interest rates Rising construction and labor costs Restrictive zoning and local regulations Housing supply consistently lagging behind demand The bill proposes federal-level incentives to encourage states and local governments to expand housing production. It also seeks to reduce unnecessary regulatory barriers that slow down development. Currently, the bill has been introduced in the House of Representatives and is under committee review. If passed, implementation would likely be phased over several years. How the Market Is Interpreting the Proposal Although the bill has not yet become law, there is growing bipartisan acknowledgment in Washington that housing supply constraints are a structural issue that can no longer be ignored. Real estate professionals generally view this proposal not as a trigger for immediate price drops, but as a  long-term structural signal  aimed at easing supply pressure. Developers and lenders, in particular, see potential benefits in having clearer federal direction, which could reduce uncertainty and encourage project planning. Potential Short-Term Effects If Passed If the legislation advances, short-term effects may include: Increased confidence among developers Renewed momentum in housing-related sectors A psychological shift among buyers anticipating future supply growth Market analysts expect that rather than causing abrupt price declines, expanded supply would likely  gradually ease upward price pressure over time . Concerns Raised by Opponents Critics argue that aggressive supply expansion could: Strain local infrastructure Disrupt property values in certain areas Undermine local autonomy through federal involvement Supporters counter that the bill is structured to allow flexibility for state and local governments, with phased implementation designed to minimize unintended consequences. What Buyers and Sellers Should Consider Now This proposal is not an overnight market disruptor. Instead, it represents a broader directional signal about where housing policy may be heading over the next several years. In transitional periods like this, it’s rarely advantageous to wait passively. Buyers and sellers should evaluate how potential supply expansion might affect: Pricing trends in specific neighborhoods Long-term appreciation outlook Development activity in their area Markets historically reward preparation, not hesitation. Strategic Planning Matters More Than Headlines Policy announcements alone don’t determine outcomes—how those policies interact with local markets does. Especially in regions like  Chicago  and its surrounding suburbs, supply dynamics differ from many coastal markets. Understanding how national policy trends translate locally is critical. If you’d like to assess how this proposed legislation could influence your buying or selling plans, I’d be happy to help you analyze the situation strategically. Chicago Bokdeokbang | Sang Chul Han 📞 773-717-2227 ✉️  ChicagoBDB@gmail.com

왜 20~30대는 다시 집을 사기 시작했을까요 최근 미국 주요 일간지와 경제 매체들을 보면 공통적으로 등장하는 변화가 있습니다.한동안 주택 시장에서 멀어졌던 20~30대 젊은 세대가 다시 집을 사기 시작했다는 점입니다.여전히 금리는 높고 집값 부담도 남아 있지만, 그럼에도 불구하고 이 세대는 다시 움직이고 있습니다. 이 변화는 단순한 반짝 현상이 아니라,  주거와 자산에 대한 인식 변화 에서 비롯된 흐름으로 해석되고 있습니다. 젊은 세대는 왜 다시 주택 시장으로 돌아왔을까 첫 번째 이유는  렌트 비용에 대한 피로감 입니다.최근 몇 년간 렌트비는 지속적으로 상승했고, 많은 지역에서 월 렌트가 모기지 페이먼트와 큰 차이가 나지 않는 수준까지 올라왔습니다.젊은 세대 바이어들 사이에서는 매달 렌트로 나가는 돈이 결국 아무것도 남기지 못한다는 인식이 강해지고 있습니다. 두 번째는  기다린다고 상황이 좋아지지 않는다는 학습 효과 입니다.금리가 내려가면 집값이 다시 오를 수 있다는 경험을 이미 한 세대이기 때문에,완벽한 조건을 기다리기보다는 감당 가능한 수준에서 먼저 진입하려는 전략을 선택하고 있습니다. 세 번째는  지역 선택의 변화 입니다.과거처럼 대도시 중심에서만 집을 찾기보다,중서부나 외곽 지역, 출퇴근이 가능한 생활 중심 지역으로 눈을 돌리는 경우가 늘고 있습니다.이런 지역에서는 여전히 젊은 바이어가 접근 가능한 가격대의 주택이 존재합니다. 예전의 젊은 바이어와 지금은 무엇이 다를까 과거의 20~30대 바이어는 집을 자산 증식의 수단으로 바라보는 경향이 강했습니다.하지만 최근 시장에 진입하는 젊은 세대는 조금 다릅니다. 이들은 집을 단기 시세 차익보다는  생활 안정과 장기 거주 기반 으로 바라보고 있습니다.완벽한 집이 아니라, 지금의 생활에 맞는 집을 선택하고향후 소득 증가와 함께 업그레이드를 고려하는 방식입니다. 또한 첫 집부터 단독주택만을 고집하지 않고,타운하우스나 콘도처럼 관리 부담이 적은 주택 유형을 선택하는 비율도 높아지고 있습니다. 이 흐름이 시장에 주는 의미 젊은 세대의 재진입은 시장 전체에 중요한 신호를 줍니다.이는 주택 시장이 완전히 멈춘 것이 아니라,  구매 방식과 기준이 바뀌고 있다는 의미 이기 때문입니다. 바이어층이 다시 형성되면 거래는 완만하게 회복되고,특정 가격대와 특정 지역부터 시장이 움직이기 시작합니다.실제로 중저가 주택과 실거주 중심 지역에서 거래가 먼저 살아나는 현상이 나타나고 있습니다. 젊은 바이어와 함께 시장을 바라봐야 할 이유 지금의 주택 시장은 과거처럼 한 방향으로만 움직이지 않습니다.젊은 세대의 선택은 앞으로의 시장 방향을 미리 보여주는 지표가 됩니다. 이들이 선택하는 지역, 주택 유형, 가격대는향후 몇 년간 수요가 유지될 가능성이 높은 구간이기도 합니다.그래서 지금 시장을 이해하려면 젊은 바이어의 움직임을 함께 읽어야 합니다. 정리하며 젊은 세대가 다시 집을 사기 시작했다는 것은시장이 바닥을 다졌다는 의미라기보다는, 새로운 기준과 전략으로 시장에 적응하기 시작했다는 신호 에 가깝습니다. 지금은 기다림의 시장이 아니라,본인의 재정 상황과 라이프스타일에 맞는 선택을 하는 시장입니다. 젊은 바이어든, 젊은 바이어를 상대로 집을 파는 셀러든현재 시장의 흐름을 정확히 이해하고 접근하는 것이 무엇보다 중요합니다.특히 시카고 및 일리노이 지역은 지역별 차이가 분명하게 나타나고 있어전문적인 분석과 전략이 필요합니다. 주택 구매 또는 매도를 고민하고 계시다면지금 시장에 맞는 현실적인 방향을 함께 정리해 드리겠습니다. 시카고 복덕방 한상철 📞 773-717-2227 📧  ChicagoBDB@gmail.com

Why people in their 20s and 30s are returning to the housing market Recent coverage across major U.S. newspapers and economic media highlights a clear shift:after stepping back from the housing market for a period of time,  buyers in their 20s and 30s are starting to purchase homes again . Interest rates remain elevated, and affordability challenges haven’t disappeared. Yet despite these obstacles, younger buyers are re-entering the market. This isn’t a short-term spike—it reflects a deeper change in how this generation views housing, stability, and long-term planning. Why are younger buyers coming back now? 1) Rent fatigue has reached a breaking point Over the past few years, rent prices have continued to climb. In many areas, monthly rent is now  not much lower than a mortgage payment . Among younger buyers, there’s growing frustration with the idea that rent payments leave nothing behind. This has shifted the mindset from  “waiting for the perfect time”  to  “at least build something of my own.” 2) Waiting didn’t actually make things better This generation has already lived through one key lesson:when interest rates eventually fall,  home prices often rise again . Rather than waiting indefinitely for ideal conditions, many younger buyers are choosing to enter the market at a  manageable level , accepting today’s reality instead of chasing a perfect scenario that may never arrive. 3) Location priorities have changed Instead of focusing only on major urban cores, many young buyers are expanding their search to: Midwest cities Suburban and commuter-friendly areas Lifestyle-focused communities with reasonable access to jobs In these areas,  homes are still available at price points younger buyers can realistically afford . How today’s young buyers differ from the past Previous generations of young buyers often viewed homes primarily as an investment vehicle. Today’s buyers are approaching things differently. The focus is less on short-term appreciation More emphasis is placed on  stability and livability Buyers are choosing homes that fit their  current  lifestyle, not a hypothetical future They’re also more flexible with property types. Instead of insisting on single-family homes, many are starting with: Townhomes Condos Low-maintenance properties The goal is to establish a foothold first, then upgrade later as income and life circumstances evolve. What this trend means for the housing market The return of younger buyers sends an important signal: the market isn’t frozen—it’s adapting . As this buyer group re-forms, activity tends to resume gradually, starting in: Entry-level price ranges Owner-occupied, lifestyle-driven neighborhoods In many regions, transactions are already picking up first in these segments. Why younger buyers matter to everyone else Housing markets today no longer move in a single direction.The choices younger buyers make—where they buy, what they buy, and how much they spend—often  foreshadow where demand will remain strongest  over the next several years. That’s why understanding their behavior is essential, not just for buyers, but also for sellers and investors. Final thoughts The fact that younger generations are buying again doesn’t necessarily mean the market has hit bottom. It means the market is  adjusting to new rules . This is no longer a “wait-and-see” market. It’s a market where buyers succeed by making decisions aligned with their  financial reality and lifestyle needs . Whether you’re a young buyer entering the market—or a seller hoping to attract younger buyers—understanding this shift is critical. Especially in markets like  Chicago  and across Illinois, where neighborhood and price differences are significant,  local strategy matters more than headlines . If you’re thinking about buying or selling and want to understand what makes sense in today’s market, I’m happy to help you map out a realistic plan. Chicago Bokdeokbang | Sang Chul Han 📞 773-717-2227 📧  ChicagoBDB@gmail.com

많은 바이어분들이 전통적인 봄 이사 시즌을 기다리며 주택 구매 시기를 저울질하고 계십니다. 날씨가 좋아지고 매물이 늘어나면 선택지가 많아질 것이라는 기대 때문입니다. 하지만 2026년 초 현재 미국 주택 시장 흐름을 보면, 봄까지 기다리는 전략이 반드시 유리하다고 보기는 어렵습니다. 오히려 준비된 바이어라면 지금 움직이는 것이 더 현명한 선택이 될 수 있습니다. 1) 모기지 금리는 이미 안정 구간에 들어섰습니다 많은 분이 금리가 더 떨어질 것이라는 기대감으로 구매를 미루십니다. 하지만 최근 금융 시장과 연준 기조를 보면, 올해 모기지 금리는 큰 폭의 하락보다는 현재 수준에서 등락을 반복할 가능성이 높다는 전망이 우세합니다. 이미 과거 몇 년과 비교하면 상당 부분 조정이 이루어진 상태이기 때문에, 금리만을 이유로 기다리는 것은 실질적인 이득으로 이어지지 않을 수 있습니다. 오히려 시간이 지날수록 경쟁자가 늘어나는 상황을 마주할 가능성이 커집니다. 2) 봄 시장은 선택지가 늘어나는 만큼 경쟁도 급격히 치열해집니다 봄은 전통적으로 가장 많은 바이어가 시장에 유입되는 시기입니다. 매물은 늘어나지만 동시에 오퍼 경쟁도 빠르게 증가합니다. 실제로 겨울철에는 매물이 시장에 머무는 기간이 비교적 길어 바이어가 충분히 고민할 시간이 있지만, 봄이 되면 거래 속도가 눈에 띄게 빨라집니다. 이로 인해 감정적인 결정이나 무리한 오퍼를 하게 되는 경우도 적지 않습니다. 지금처럼 비교적 조용한 시기에는 훨씬 차분하게 집을 고르고 협상할 수 있습니다. 3) 수요가 몰리면 가격은 자연스럽게 상승합니다 부동산 시장에서 수요와 가격은 항상 함께 움직입니다. 봄과 초여름처럼 바이어가 한꺼번에 몰리는 시기에는 가격이 점진적으로 상승하는 경향이 반복되어 왔습니다. 실제로 과거 데이터를 보면, 연초에 주택을 매입한 바이어가 성수기 이후에 구매한 바이어보다 수만 달러를 절약한 사례도 적지 않습니다. 지금의 결정이 단순한 타이밍 차이가 아니라, 장기적으로는 큰 금액 차이로 이어질 수 있습니다. 지금 움직이는 바이어가 더 유리합니다 봄을 기다리는 전략이 항상 틀렸다고 말할 수는 없습니다. 하지만 현재처럼 금리가 비교적 안정되어 있고, 경쟁이 본격적으로 시작되기 전인 시기에는 준비된 바이어에게 더 많은 기회가 주어집니다. 선택의 폭, 협상의 여지, 심리적 여유까지 고려하면 지금이 오히려 더 전략적인 시점이라고 볼 수 있습니다. 집 구매를 진지하게 고민하고 계시다면 기다리기보다 지금 시장을 정확히 분석하고 움직이시는 것이 바람직합니다. 시카고 복덕방 한상철 주택 구매 시기와 전략이 고민되신다면 지금 바로 상담해 보시기 바랍니다. 시카고 복덕방  한상철773-717-2227 ChicagoBDB@gmail.com

Many buyers are waiting for the traditional spring moving season, expecting more listings and better choices once the weather improves. While that logic has held true in the past, the  early-2026 housing market  suggests that waiting until spring isn’t always the smarter move. In fact, well-prepared buyers may have a clearer advantage  right now . 1) Mortgage rates have entered a stabilization phase A common reason buyers delay is the hope that rates will fall further. But recent market signals and the cautious stance of the  Federal Reserve  indicate that large, rapid drops are unlikely in the near term. Instead, rates are expected to fluctuate within a relatively narrow range. Given that rates have already adjusted significantly from prior peaks, waiting purely for a lower rate may not deliver meaningful savings—especially if competition increases while you wait. 2) Spring brings more listings—but also much tougher competition Spring is traditionally the busiest season for buyers. Yes, inventory increases—but so do multiple offers and rushed decisions. Homes move faster, emotions run higher, and buyers often feel pressured to bid aggressively. In contrast, late winter and early spring offer a calmer environment. Listings tend to stay on the market longer, giving buyers more time to evaluate options and negotiate terms thoughtfully—often without bidding wars. 3) When demand surges, prices usually follow Housing markets respond predictably to demand. As buyer activity ramps up in spring and early summer, prices often trend upward. Historical data shows that buyers who purchase early in the year frequently save  tens of thousands of dollars  compared with those who buy during peak season. What feels like a small timing difference can translate into a substantial long-term cost gap. Prepared buyers have the edge right now Waiting for spring isn’t always wrong—but in today’s market, where rates are relatively stable and competition hasn’t fully ignited,  prepared buyers enjoy more leverage . There’s greater room to negotiate, more time to think, and less pressure to overpay. If you’re serious about buying, this is a moment to analyze the market clearly and act strategically—rather than waiting for conditions that may actually become less favorable. Thinking about timing and strategy for your home purchase? Let’s review your options with today’s market in mind. 📞 773-717-2227 ✉️ ChicagoBDB@gmail.com

최근 중소기업 운영자분들 사이에서 큰 파장이 일어난 정책 변화가 있었습니다. 바로  미국 중소기업청(SBA: Small Business Administration)의 7(a) 및 504 대출 프로그램 자격 요건이 3월 1일부터 변경 되었다는 소식입니다. 이 변화는 특히  영주권자(Green Card 소지자)  가 사업체를 운영하거나 창업을 준비하던 분들에게 매우 중요한 의미를 갖습니다. SBA 대출, 왜 이렇게 바뀌었나 이번 정책 변경으로 앞으로는  SBA 7(a)와 504 대출을 신청할 때 사업체의 소유주가 100% 미국 시민권자여야만 신청 자격이 주어지게 되었습니다.  이전에는 영주권자가 소유한 사업체라도 최대 5%까지 비시민권자 소유를 인정해 주었으나, 이 규정이 완전히 사라진 것입니다. 이 변화는 트럼프 행정부의 이민 및 비즈니스 정책의 연장선상에서 이루어졌다는 평가가 나오고 있으며, 민주당과 다양한 커뮤니티 단체들은 이를 ‘이민자에 대한 불공정 조치’로 비판하고 있습니다. 이민자 창업자에게 이 정책 변화가 왜 큰 타격인가 실제로 미국 전체 중소기업 중 약  20%가 이민자에 의해 운영 되고 있을 정도로 이민자 창업자의 비중은 매우 높습니다. 이번 규정 강화는 다음과 같은 현실적 영향을 가져올 수 있습니다. •  신규 개업이 어려워질 수 있습니다.  SBA 대출은 많은 스몰 비즈니스가 초기 자본을 조달하거나 확장 자금을 확보하는 데 핵심 역할을 해 왔습니다. 이 자금이 막히면 문을 열기도, 사업을 확장하기도 쉽지 않습니다. •  영주권 소유 사업체의 존속이 위협받을 수 있습니다.  기존에 SBA 대출을 활용해 사업을 유지해 왔다면, 이후 추가 자금 조달이 어려워져 운영 리스크가 커질 수 있습니다. •  지역 경제 전반에 부정적 파급이 나타날 수 있습니다.  이민자 스몰 비즈니스는 지역 고용과 커뮤니티 활성화에 중요한 기여를 해 왔습니다. 자금 접근성이 낮아지면 작은 상점부터 서비스업까지 연쇄적인 타격이 우려됩니다. 그렇다면 어떻게 대응해야 할까 모든 변화는 위기이면서 기회이기도 합니다. 현재 상황에서 스몰 비즈니스 오너나 예비 창업자분들이 고려해야 할 현실적인 대응 전략은 다음과 같습니다. 기존 대출을 미리 확보할 것 3월 1일 이전에 SBA 대출 번호(Loan Number)를 이미 확보해 두었다면 이번 변경 규정의 영향을 받지 않는다는 점이 있습니다. 따라서 가능한 한 빠르게 대출 절차를 진행해 두는 것이 우선입니다. 대안 자금 조달 방법 검토 SBA 대출 외에도  지역 상업은행 직대출, 신용조합(Credit Union) 대출, 커뮤니티 개발 금융 기관 대출(CDFI)  등 여러 대안이 있습니다. 이들은 SBA만큼 우대 조건은 아닐 수 있지만, 여전히 사업 운영 및 확장 자금을 확보할 수 있는 현실적 경로입니다. 시민권자 파트너와의 협력 구조 만들기 만약 SBA 자금을 꼭 활용해야 하는 상황이라면,  미국 시민권자와의 파트너십을 형성하여 사업체 소유 구조를 조정하는 방안 도 고려해 볼 수 있습니다. 물론 이 과정은 법적, 세무적 상담이 필요합니다. VC·엔젤 투자 등 비은행 자본 유치 SBA 뿐 아니라  엔젤 투자자, 벤처 캐피탈(VC), 크라우드 펀딩  등을 통해 자금을 유치하는 것도 대안이 될 수 있습니다. 특히 기술 기반 스타트업이나 지역 커뮤니티를 겨냥한 비즈니스는 이런 경로에서 긍정적인 반응을 얻기도 합니다. 개인 비즈니스와 지역 경제가 나아갈 길 이번 SBA 대출 정책 변화는  스몰 비즈니스 운영자에게 자금 조달 환경이 한층 더 복잡해졌다는 신호 를 줍니다. 하지만 현실적 대안과 전략을 마련한다면 위기를 기회로 전환할 수 있습니다. 미국의 경제 구조에서  스몰 비즈니스는 일자리 창출, 지역 활성화, 커뮤니티 정체성 유지  등 매우 중요한 역할을 합니다. 영주권자나 이민자 사업체가 이러한 역할을 계속 이어갈 수 있도록,  정책 변화의 영향을 이해하고 적극적으로 대응하는 자세 가 어느 때보다 필요합니다. 앞으로 개인 비즈니스를 새로 열거나 자금이 필요할 때에는 단순히 SBA 대출에만 기대기보다는  다양한 금융 옵션을 비교, 전문가 상담을 통해 최적의 결정을 내리는 것이 중요 합니다. 이는 사업 생존 뿐 아니라 지역 경제 회복과 성장에도 긍정적인 영향을 줄 수 있습니다. 지금 당장 자금 조달 계획, 사업 확장 전략 또는 대출 옵션이 고민되신다면 언제든지 도움을 요청해 주십시오. 함께 상황을 분석하고 최적의 방향을 찾겠습니다. 시카고 복덕방 한상철 773-717-2227,  ChicagoBDB@gmail.com

What It Means for Green Card Holders and How Small Businesses Can Respond A major policy change has recently caused significant concern among small business owners—especially  green card holders  operating or planning to start a business in the U.S. As of  March 1 , the  Small Business Administration (SBA)  has officially changed the eligibility rules for its  7(a)  and  504 loan programs . This shift has serious implications for immigrant-owned businesses. What exactly changed in SBA loan eligibility? Under the new rule,  only businesses that are 100% owned by U.S. citizens  are eligible for SBA 7(a) and 504 loans. Previously, SBA programs allowed businesses with up to  5% non–U.S. citizen ownership , meaning green card holders could still qualify. That allowance has now been completely eliminated. Many analysts view this change as an extension of immigration and business policy priorities associated with  Donald Trump ’s administration. Democratic lawmakers and community organizations have criticized the move as unfairly targeting immigrant entrepreneurs. Why this is a major blow to immigrant-owned businesses Immigrant entrepreneurs play a huge role in the U.S. economy. Roughly  20% of all U.S. small businesses are immigrant-owned . The new SBA rule could have several real-world consequences: Starting a business becomes harder SBA loans have long been a primary source of startup and expansion capital. Losing access makes launching or scaling a business more difficult. Existing businesses face higher risk Businesses that relied on SBA loans in the past may struggle to secure additional funding, increasing operational and cash-flow risk. Local economies may feel the impact Immigrant-owned small businesses contribute heavily to job creation and neighborhood vitality. Reduced access to capital can trigger ripple effects across retail, service, and local employment sectors. How small business owners can respond strategically While this policy change presents real challenges, there are still  practical strategies  available: 1. Secure existing SBA loans if already in process If an SBA  loan number was issued before March 1 , the application may still fall under the old rules. Acting quickly is critical. 2. Explore alternative financing options SBA loans are not the only path. Consider: Direct loans from commercial banks Credit unions Community Development Financial Institutions (CDFIs) While terms may differ, these remain viable funding sources. 3. Consider a U.S. citizen partnership structure If SBA financing is essential, restructuring ownership with a U.S. citizen partner may be an option. This requires  careful legal and tax consultation  to avoid future complications. 4. Look beyond traditional loans Non-bank capital sources can also help: Angel investors Venture capital (VC) Crowdfunding platforms These options are especially relevant for tech-driven or community-focused businesses. The bigger picture for business owners and local economies This SBA policy shift signals a more complex funding environment for small businesses—particularly immigrant-owned ones. However, with proper planning and diversified financing strategies, challenges can still be navigated effectively. Small businesses remain a backbone of the U.S. economy, driving employment, local growth, and community identity. Understanding policy changes early—and responding strategically—can make the difference between stagnation and resilience. If you’re planning a new business, seeking capital, or worried about how this rule affects your current operation, don’t rely on SBA loans alone. Compare options, seek expert advice, and build a flexible funding strategy. Chicago Bokdeokbang | Sang Chul Han 📞 773-717-2227✉️  ChicagoBDB@gmail.com