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요즘 들어 모든 것이 점점 더 비싸지는 느낌이 듭니다.실제로 인플레이션이 예상보다 더 오랜 기간 높은 수준을 유지하면서,  상품과 서비스의 가격뿐만 아니라 생활 전반의 비용이 상승하고 있습니다. 이런 상황에서  지금이 정말 집을 사기에 좋은 시기일까?  하는 고민이 들 수 있습니다.하지만 좋은 소식이 있습니다.  주택을 소유하는 것은 인플레이션으로 인한 경제적 불확실성을 막는 가장 효과적인 방법 중 하나입니다.   고정금리 모기지는 주거비 상승으로부터 당신을 보호합니다 주택을 구매할 때  고정금리 모기지 를 선택하면,  매달 가장 큰 지출 항목인 주택담보대출(모기지) 상환액이 안정적으로 유지됩니다. ✔ 물론,  재산세(Property Tax)나 주택 보험(Homeowner’s Insurance) 비용은 변동될 수 있습니다. ✔ 하지만,  모기지 원금과 이자(Principal & Interest) 비용은 절대 변하지 않습니다. 반면,  월세를 내는 경우에는 상황이 다릅니다. 렌트비는 시간이 지남에 따라 오르는 경향이 있으며,  보통 인플레이션보다 빠르게 상승하는 경우가 많습니다. 📌  미국 경제분석국(BEA - B ureau of Economic Analysis )과Census Bureau의 자료에 따르면, 평균 렌트비는 지속적으로 상승하고 있으며, 특히 인플레이션이 높아질 때 더 빠르게 증가합니다. 즉,  렌트 생활을 유지하는 경우, 매년 더 높은 주거비를 감당해야 할 가능성이 크지만, 주택을 소유하면 모기지 금액이 고정되면서 예산을 더욱 효과적으로 관리할 수 있습니다.   집값 상승은 인플레이션을 이기는 강력한 투자 수단입니다 또 다른 이유는  주택 가격은 장기적으로 상승하는 경향이 있으며, 종종 인플레이션보다 빠르게 오른다는 점입니다. 📌  BEA와Fannie Mae의 자료에 따르면, 역사적으로 주택 가격 상승률은 인플레이션율을 초과하는 경우가 많습니다. 이는 부동산이  장기적인 자산 가치 보호 및 증식 수단으로 매우 강력한 투자처 라는 의미입니다.인플레이션이 심화되면, 현금의 가치는 줄어들지만,  부동산은 가치를 유지하거나 상승하는 경향이 있습니다. 하지만  렌트를 살고 있다면, 인플레이션에 대한 보호 장치가 없습니다. 오히려 반대로, 물가가 상승할수록 건물주가 추가 비용을 테넌트(임차인)에게 전가하면서 렌트비를 올리는 경우가 많습니다. 즉,  렌트 생활을 하면 계속해서 비용만 증가할 뿐, 개인의 자산 가치는 증가하지 않습니다. 하지만,  주택을 소유하면 시간이 지남에 따라 집값이 오르면서 자연스럽게 순자산(Net Worth)이 증가하게 됩니다. 현재 전문가들은 앞으로도  주택 가격이 계속 상승할 것 으로 전망하고 있습니다.즉,  지금 주택을 구매하면, 시간이 지나면서 인플레이션보다 높은 수익을 기대할 수 있는 안정적인 투자 가 될 가능성이 큽니다. 결론 – 집을 사면 인플레이션으로부터 경제적 안정성을 확보할 수 있습니다 ✅  고정금리 모기지는 주거비를 안정적으로 유지하게 해줍니다. ✅  주택 가격 상승은 장기적으로 인플레이션을 능가하는 강력한 투자 효과를 가질 수 있습니다. ✅  렌트비는 지속적으로 상승하는 반면, 주택을 소유하면 오히려 순자산이 증가합니다. 📢  인플레이션이 계속되는 지금, 주택 구매는 예산을 보호하고 장기적인 부를 형성하는 현명한 선택이 될 수 있습니다. 부동산 전문가와 상담하여, 당신에게 적합한 주택 구매 전략을 계획해보세요. #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 #inflation

Lately, everything seems to be getting more expensive. In fact, inflation has been lasting longer than expected, and the costs of goods and services, as well as living expenses, are on the rise. In this situation, you may wonder if now is really a good time to buy a home. But here's the good news: owning a home is one of the most effective ways to protect yourself from the economic uncertainty caused by inflation. Fixed-Rate Mortgages Protect You from Rising Housing Costs When purchasing a home, choosing a fixed-rate mortgage means that your largest monthly expense—your mortgage payment—remains stable. ✔ Of course, property taxes or homeowner's insurance might fluctuate. ✔ However, the principal and interest portion of your mortgage will never change. In contrast, renting presents a different scenario. Rent tends to increase over time, often rising faster than inflation. 📌 According to data from the Bureau of Economic Analysis (BEA) and the Census Bureau, average rent has been consistently increasing and tends to rise even more rapidly when inflation is high. In other words, if you continue to rent, you'll likely face higher housing costs every year, but if you own a home, your mortgage payments remain fixed, allowing you to better manage your budget. Rising Home Prices: A Powerful Investment Tool Against Inflation Another reason to buy a home is that property values tend to rise over the long term, often outpacing inflation. 📌 According to data from BEA and Fannie Mae, historically, home price appreciation has often exceeded inflation rates. This makes real estate a very strong investment vehicle for preserving and growing asset value over time. When inflation intensifies, the value of cash declines, but real estate tends to maintain or even increase in value. However, if you are renting, there is no built-in protection against inflation. In fact, as prices rise, landlords often pass additional costs onto tenants by raising rents. So, by renting, you continue to see rising expenses with no increase in your asset value. On the other hand, when you own a home, its value naturally rises over time, increasing your net worth. Conclusion – Buying a Home Secures Economic Stability Amid Inflation ✅ A fixed-rate mortgage ensures stable housing costs.✅ Rising home prices can provide strong investment returns, surpassing inflation in the long run.✅ While rent continues to rise, homeownership leads to an increase in net worth. 📢 With inflation continuing, buying a home could be a wise decision to protect your budget and build long-term wealth. Consult with a real estate expert to plan a home-buying strategy that’s right for you. #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 #inflation

As 2025 begins, signs of change are emerging in the U.S. real estate market. After the hot market during the pandemic, things are gradually stabilizing, and there is growing interest in home prices, mortgage interest rates, and inventory trends. Let's take a look at the 2025 U.S. real estate market trends based on recent data. 1. Slowing Home Price Growth – Now Entering a Stabilization Phase After a steep rise in home prices over the past few years, 2025 is expected to see a more moderate increase. ✔ According to the  National Association of Realtors (NAR) , the median home price in the U.S. is projected to be about $410,700 in 2025, marking a 2% increase compared to the previous year. ✔ In contrast to the sharp price surge during the 2020-2022 pandemic period, the market is now expected to show a more stable trend. ✔ Regional differences may be significant, so it's important to monitor the market conditions in specific areas.We can expect gradual growth and market stabilization rather than extreme price increases. 2. Mortgage Rates Remain a Concern ✔ Mortgage rates, which fluctuated throughout 2024, are likely to remain in the high 6% range in 2025. ✔ High interest rates can reduce buyers' purchasing power and may slow down the recovery of the real estate market. 📌 What to ConsiderHigher mortgage rates lead to higher monthly payments, so it's crucial to carefully evaluate loan terms and make long-term plans before buying. Additionally, there may be a slight drop in rates, so it's important to keep an eye on market trends. 3. Increased Inventory – More Opportunities for Buyers ✔ Inventory shortages were a major issue in recent years, but ✔ In 2025, the number of homes on the market is expected to gradually increase, providing more choices for buyers. 📌 Why This Matters 1️⃣ Reduced Competition – Intense bidding wars, which were common during the pandemic, are likely to decrease. 2️⃣ More Options – Buyers may have more opportunities to find homes with better conditions.However, inventory situations can still vary by location, so it's important to track the market conditions in your desired area. 2025 U.S. Real Estate Market Outlook ✔ Home prices will likely continue to rise at a moderate pace, with no drastic increases or decreases. ✔ Mortgage rates will remain high, which could be a burden for homebuyers. ✔ As inventory increases, the market is expected to stabilize further.In conclusion, 2025 will likely be a year of "finding balance" rather than experiencing extreme price fluctuations.If you're planning to buy or sell a home, it’s crucial to consult with an expert to analyze the current situation and approach strategically. Are you thinking about the real estate market?If you want to create a strategic plan that reflects the latest market trends, consult with a real estate expert.   #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

2025년이 시작되면서 미국 부동산 시장에도 변화의 조짐이 보이고 있습니다.팬데믹 이후 뜨거웠던 시장이 서서히 안정되면서  집값, 모기지 이자율, 매물 동향  등에 대한 관심이 커지고 있는데요.최근 데이터를 바탕으로  2025년 미국 부동산 시장 트렌드 를 살펴보겠습니다.  1. 집값 상승세 둔화 – 이제는 안정화 국면 지난 몇 년간 급등했던 집값이  2025년에는 비교적 완만한 상승세를 보일 전망입니다. ✔  전미부동산협회(NAR) 에 따르면,  2025년 미국 주택 중간 가격은 약 41만 700달러로 예상되며, 이는 전년 대비 2% 상승한 수치 입니다. ✔ 2020~2022년 팬데믹 기간 동안의 급격한 상승과 비교하면,  이제는 보다 안정적인 흐름 을 보이고 있습니다. ✔  지역별 차이가 클 수 있으므로, 특정 지역의 시장 흐름을 확인하는 것이 중요합니다. 이제는 극단적인 가격 상승보다는  점진적인 성장과 시장 안정화가 예상되는 시기 라고 볼 수 있습니다.   2. 모기지 이자율, 여전히 부담 요인 ✔ 2024년 동안 지속적으로 변동했던  모기지 이자율 은 2025년에도  6% 후반대를 유지할 가능성이 높습니다. ✔ 높은 이자율은  주택 구매자들의 구매력을 낮추고, 부동산 시장의 회복 속도를 조절하는 역할 을 할 수 있습니다. 📌  고려해야 할 점 모기지 이자율이 높을수록 월 상환액이 커지기 때문에,  구매 전 대출 조건을 꼼꼼히 따져보고 장기적인 계획을 세우는 것이 중요합니다. 또한,  이자율이 다소 하락할 가능성도 있기 때문에, 시장의 흐름을 지속적으로 체크하는 것이 필요합니다.   3. 매물 증가 – 구매자들에게 더 많은 기회 제공 ✔ 지난 몇 년간  매물 부족 현상 이 부동산 시장의 주요 이슈였지만, ✔ 2025년에는 시장에 나오는 매물이  점진적으로 증가하면서 구매자들에게 더 많은 선택지가 제공될 가능성 이 있습니다. 📌  이 점이 중요한 이유 1️⃣  경쟁이 덜해질 가능성이 있음  – 팬데믹 기간 동안 극심했던  입찰 경쟁(Bidding War) 이 줄어들 가능성이 높음 2️⃣  매물 선택의 폭이 넓어짐  – 구매자 입장에서  더 좋은 조건의 집을 찾을 수 있는 기회 가 많아질 수 있음 하지만 여전히  지역별로 매물 상황이 다를 수 있으므로, 원하는 지역의 시장 흐름을 파악하는 것이 중요합니다.  2025년 미국 부동산 시장 전망 ✔  집값은 완만한 상승세를 유지하며, 급격한 상승이나 하락은 없을 가능성이 큼 ✔  모기지 이자율이 여전히 높은 수준을 유지하며, 주택 구매자들에게 부담으로 작용할 수 있음 ✔  매물이 점차 증가하면서 시장이 점점 안정화될 가능성이 높음 결론적으로, 2025년은 극심한 가격 변동보다는 '균형을 찾아가는 해'가 될 것으로 보입니다. 만약  집을 사고팔 계획이 있다면, 전문가와 상담하여 현재 상황을 분석하고 전략적으로 접근하는 것이 중요합니다. 지금 부동산 시장에 대해 고민하고 계신가요? 최신 시장 동향을 반영한  전략적인 계획을 세우고 싶다면, 부동산 전문가와 상담해 보세요. #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

최근 미국 주택 시장은  건축 자재 관세, 이민 정책, 금리 변화  등 다양한 요인에 의해 영향을 받고 있습니다.이런 변화가  새로운 주택 건설, 기존 주택 시장, 그리고 전체적인 주택 공급 문제 에 어떤 영향을 미치고 있는지 살펴보겠습니다. 신규 주택 건설, 기대보다 저조한 성장세 미국 주택 건설 업계는  건축 자재 비용 증가와 인력 부족 으로 인해 어려움을 겪고 있습니다. 전미주택건설협회(NAHB)에 따르면, 2025년 단독 주택 착공 수는 연간 101만 채로 예상되며, 이는 단 0.2% 증가한 수치입니다.  참고로 2026년에도 4% 증가에 그칠 것으로 전망되고 있습니다. 이 숫자는 미국의 주택 공급 부족 문제를 해결하기에 턱없이 부족한 수준입니다. 최근  프레디맥(Freddie Mac)의 보고서에 따르면, 미국은 약 370만 채의 주택이 부족 한 상태입니다. 즉, 신규 주택 건설이 충분하지 않아,  주택 공급 부족 문제가 계속해서 주택 가격 상승의 주요 원인이 될 가능성이 큽니다. 건축 자재 관세가 주택 건설 비용에 미치는 영향 NAHB는  건축 자재 비용 상승이 주택 건설 속도를 늦추는 주요 요인 중 하나 라고 지적했습니다. 특히 트럼프 전 대통령의 관세 정책이 다시 시행될 가능성이 있으며, 건축 자재 가격을 더욱 높일 수 있습니다.  캐나다와 멕시코산 목재 및 건축 자재에 대한 관세는 일시적으로 유예되었지만, 중국산 자재에 대한  10% 관세가 2025년 2월 1일부터 발효되었습니다. 노동력 부족, 주택 건설 속도를 늦추는 또 다른 원인 트럼프 대통령은  불법 이민 단속 및 대규모 추방 정책이 주택 가격을 낮추는 데 기여할 것이라고 주장 했지만, 건설업계는  이러한 정책이 오히려 주택 건설 노동력을 감소시켜 주택 가격 상승을 초래할 수 있다고 우려 하고 있습니다. 실제로 NAHB 수석 이코노미스트 Rob Dietz에 따르면 건설업계는 여러 지역에서 현재 노동력 부족과 높은 건축 비용이라는 이중고를 겪고 있다고 합니다. 즉, 신규 공급에 대한 물량적인 제한이 있을 것으로 보입니다.   기존 주택과 신축 주택의 경쟁 심화 2025년 미국 주택 시장은 점점 균형을 찾아가고 있습니다.  팬데믹 이후  극심했던 셀러 마켓에서 벗어나, 점점 중립적인 시장으로 변하고 있는 중입니다. Realtor.com® 수석 이코노미스트 Danielle Hale에 따르면, 2021년에는 시장에 나온 주택 공급량이 단  2.3개월치 에 불과했지만, 2025년에는 4.1개월치로 증가하면서 점점 균형을 찾아가고 있습니다. 또한,  2025년 1월 신규 매물은 전년 대비 10.8% 증가 하면서, 주택 공급이 점점 회복되는 모습을 보이고 있습니다. 신축 주택 시장도 여전히 강세를 보이고 있습니다. 2024년, 신규 주택 판매는 전체 주택 판매의 14.5%를 차지하며, 2005년 이후 최고치를 기록했습니다. 일반적으로 신축 주택의 비중은 10~12% 수준이므로, 현재는 상대적으로 신축 주택의 비중이 높습니다. 하지만 앞으로  기존 주택 매물이 늘어나면서, 신축 주택 시장과 경쟁이 심화될 가능성이 큽니다. 모기지 금리 락인(Lock-In) 효과가 점점 사라지고 있다 높은 금리가 기존 주택 매물을 줄이는 가장 큰 원인이었습니다. 하지만 점점 더 많은 사람들이  새로운 주택을 필요로 하면서 기존 주택 매물이 증가할 것으로 예상됩니다. 현재 미국 내 모기지 금리 상황: 현재  전체 주택담보대출(모기지) 중 83%는 6% 미만의 이자율을 보유하고 있으며, 55%는 4% 미만의 이자율을 유지하고 있습니다. 하지만  2025년 말까지 75%의 주택담보대출이 6%초에서 5%후반으로 예상되면서, 기존 주택 시장이 활성화될 가능성이 높습니다. 즉,  모기지 이자율이 높은 상태지만, 더 많은 사람들이 집을 팔아야 하는 시점에 다다르고 있으며, 이에 따라 기존 주택 매물이 더 늘어날 것으로 예상됩니다.   결론 – 2025년 미국 주택 시장, 점진적인 균형을 찾아가고 있다 ✅  신규 주택 건설이 증가하고 있지만, 여전히 부족한 수준 ✅  건축 자재 관세와 노동력 부족이 주택 건설 비용 상승을 유발할 가능성 ✅  기존 주택과 신축 주택 간의 경쟁 심화 ✅  높은 금리에도 불구하고 점점 더 많은 주택이 시장에 나올 가능성이 있음 제가 늘 말씀드리지만, 이 내용은 나라 전체의 내용인 것이고 계신 곳에 따라서 전략을 달리 하셔야 할 필요가 있습니다. 따라서 꼭! 지역 부동산 전문가와 상담하여  현재 시장 상황을 분석하고, 최적의 전략을 세워보세요. #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

The U.S. housing market is currently being influenced by a variety of factors, including construction material tariffs, immigration policies, and interest rate changes. These shifts are affecting new home construction, the existing home market, and the overall housing supply. Let's explore how these changes are impacting the market. New Home Construction: Slower-than-Expected Growth The U.S. housing construction industry is struggling due to rising construction material costs and labor shortages. According to the National Association of Home Builders (NAHB), the number of single-family homes started in 2025 is expected to be around 1.01 million units, reflecting only a 0.2% increase. Projections for 2026 show only a 4% growth. This level of growth is insufficient to address the housing supply shortage in the U.S. Recent reports from Freddie Mac indicate that the U.S. is facing a shortage of approximately 3.7 million homes. In other words, the pace of new home construction will likely continue to fall short of meeting demand, exacerbating the housing supply shortage, which could lead to further increases in home prices. Impact of Construction Material Tariffs on Home Building Costs NAHB has pointed out that the rising cost of construction materials is one of the key factors slowing down housing construction. There is concern that tariffs, particularly those implemented under former President Trump’s policies, could be reintroduced, further raising material costs. While tariffs on Canadian and Mexican lumber and construction materials were temporarily lifted, a 10% tariff on Chinese materials went into effect on February 1, 2025. Labor Shortages: Another Barrier to Housing Construction Labor shortages, partly due to immigration policies, are also contributing to the slowdown in housing construction. While former President Trump claimed that strict immigration policies would reduce housing prices, the construction industry is concerned that these policies could actually reduce the available labor force for building homes, potentially driving prices up. According to Rob Dietz, Chief Economist at NAHB, the industry is currently dealing with both a shortage of labor and high construction costs, which will likely limit the volume of new supply. Increased Competition Between Existing and New Homes The U.S. housing market in 2025 is gradually finding a balance. After the extreme seller’s market that characterized the pandemic era, the market is shifting toward a more neutral stance. Danielle Hale, Chief Economist at Realtor.com®, notes that: In 2021, the supply of homes on the market was just 2.3 months' worth of inventory. By 2025, this is expected to rise to 4.1 months, indicating a shift toward a more balanced market. Additionally, the number of new listings in January 2025 increased by 10.8% compared to the previous year, suggesting that housing supply is gradually recovering. The new construction market remains strong: In 2024, new home sales accounted for 14.5% of total home sales, marking the highest percentage since 2005. Typically, new homes account for 10-12% of total home sales, meaning the share of new homes in the market is currently higher than usual. However, as more existing homes are expected to come to market, competition between new and existing homes will likely intensify. The Decline of the Mortgage Rate Lock-In Effect High mortgage rates have been one of the biggest factors limiting existing home inventory. However, as more people begin to need new homes, the number of existing homes on the market is expected to rise. Current U.S. mortgage rate situation: 83% of all mortgages are under 6% interest rates, with 55% having rates below 4%. By the end of 2025, it is expected that 75% of mortgages will be in the 5.5% to 6% range, which will likely lead to an increase in existing home market activity. In other words, although interest rates remain high, more people will need to sell their homes, leading to an increase in the availability of existing homes. Conclusion – The U.S. Housing Market in 2025: Moving Toward Gradual Balance ✅ New home construction is increasing but remains insufficient. ✅ Rising construction material costs and labor shortages are likely to drive up building costs. ✅ Competition between existing homes and new homes will intensify. ✅ Despite high interest rates, more homes are expected to enter the market. As always, this analysis reflects national trends, and strategies should vary depending on your specific location. Be sure to consult with a local real estate expert to assess the current market conditions and develop the best strategy for your situation.   #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

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

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

팬데믹 동안 많은 사람들이  교외나 시골 지역으로 이주 했지만, 최근 몇 년 사이 다시 도시로 돌아오는 흐름이 뚜렷해지고 있습니다. 📌  전미부동산협회(NAR)에 따르면, 도시에 정착하는 이들의 비율이 16%로 증가했으며, 이는 지난 10년간 가장 높은 수준 이라고 합니다. 📌  BrightMLS의 설문 조사에서도, 주택 구매 희망자 중 5명 중 1명(20.6%)이 도시에 살고 싶다고 응답 했습니다. 도시로 돌아오는 사람들은 어떤 이유에서일까요?왜 다시  조용한 교외 생활보다 활기 넘치는 도시 생활을 선택 하는 걸까요?지금부터 그 이유를 살펴보겠습니다.   활기 넘치는 문화와 라이프스타일 도시는 늘  문화, 예술, 엔터테인먼트의 중심지 였습니다.팬데믹 동안에는 이 모든 활동이 일시적으로 멈췄지만,  최근 몇 년 사이 다시 활기를 되찾고 있습니다. ✔ 아침에 가까운 카페에서 여유롭게 커피를 마시고, ✔ 퇴근 후 갤러리나 콘서트에서 감성을 충전하고, ✔ 주말에는 걸어서 맛집을 찾아다니는  이런 생활이 가능한 곳이 바로 도시입니다. 많은 사람들이 다시  이런 라이프스타일을 원하고 있으며, 도시에서의 삶이 주는 에너지를 즐기고 싶어 합니다.   직장과 가까운 거리 재택근무가 여전히 존재하지만, 많은 기업들이 점점  출근을 요구하거나 하이브리드 근무(재택+출근)를 도입 하고 있습니다. ✔  출퇴근 시간이 줄어들면 삶의 질이 향상됩니다. ✔  업무 특성상 대면 네트워킹이 중요한 직종일수록, 도심 근처에 거주하는 것이 유리합니다. 특히,  스타트업이나 금융, 법률, IT 등의 분야에서는 도심 네트워크가 핵심 경쟁력 이 될 수 있기 때문에, 많은 직장인들이 다시 도심으로 돌아오고 있습니다.    편리한 생활 인프라 도시 생활의 가장 큰 장점 중 하나는  모든 것이 가깝다는 것 입니다. ✔  대중교통 이용이 쉬움  – 지하철, 버스, 택시 등 다양한 이동 수단이 가까이 있음 ✔  최고 수준의 의료 서비스  – 대형 병원 및 전문 의료 시설 접근성이 높음 ✔  다양한 상업 시설  – 쇼핑몰, 식당, 카페 등 걸어서 이동할 수 있는 생활 편의시설 교외에서 차로 20~30분 걸리는 거리가,  도시에서는 단 몇 분 만에 해결되는 편리함 이 있습니다. 🏠  교외에서 도시로 이사하려면? 팬데믹 동안 교외로 이주했다가 다시 도시 생활이 그리워지는 경우,  현재 부동산 시장 상황을 활용하면 충분히 가능할 수 있습니다. 📌  연방주택금융청(FHFA)에 따르면, 지난 5년간 미국 주택 가격은 평균 57.4% 상승 했습니다. 📌  즉, 집을 팔면 상당한 자산을 확보할 수 있으며, 이를 활용해 도시로 이사할 수 있습니다. 물론, 도심으로 이사할 경우  넓은 마당이 있는 교외 주택에서 작은 아파트나 콘도로 이동하는 경우가 많습니다. 하지만, 만약 도시 생활을 원한다면  이러한 공간의 변화보다 라이프스타일이 주는 만족감이  훨씬 더 클 수도 있습니다. 🏡  교외 주택을 팔고 도심으로 이사할 계획이라면, 지역 부동산 전문가와 상담하여 시장 상황과 비용을 정확히 파악하는 것이 중요합니다.   즉, 도시의 매력이 다시 사람들을 불러 모으고 있습니다! 도시로 이사를 고민하고 있다면, 지금이 좋은 시기일 수 있습니다. 부동산 전문가와 상담하여  가능한 옵션을 확인하고 새로운 라이프스타일을 계획해보세요. #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 #citylife

During the pandemic, many people moved to suburban or rural areas, but in recent years, there has been a noticeable shift back to the cities. 📌 According to the National Association of Realtors (NAR), the percentage of people settling in cities has risen to 16%, the highest level in the past decade. 📌 A survey by BrightMLS also found that one in five (20.6%) potential homebuyers expressed interest in living in the city. So, why are people returning to urban areas? Why are they choosing vibrant city living over the quiet suburban lifestyle? Let’s take a look at the reasons. Vibrant Culture and Lifestyle Cities have always been hubs of culture, arts, and entertainment. While these activities paused during the pandemic, they have been revitalizing in recent years. ✔ Enjoying a relaxed coffee at a nearby café in the morning, ✔ Recharging at a gallery or concert after work, ✔ Exploring new restaurants on weekends—this kind of lifestyle is possible in the city.Many people want this lifestyle back, enjoying the energy that city life offers. Proximity to Work While remote work is still common, many companies are increasingly requiring employees to return to the office or adopt hybrid work models (remote + office). ✔ Less commute time improves quality of life. ✔ For jobs that rely on in-person networking, living near the city center is advantageous.In industries like startups, finance, law, and IT, proximity to urban networks can be a key competitive advantage, leading many professionals to return to the city. Convenient Living Infrastructure One of the biggest advantages of city living is the convenience of having everything close by. ✔ Easy access to public transportation—subways, buses, taxis, etc. ✔ Top-notch medical services—easy access to large hospitals and specialized medical facilities. ✔ Various commercial facilities—shopping malls, restaurants, cafes, and other conveniences within walking distance.A distance that takes 20-30 minutes to drive in the suburbs can often be covered in just a few minutes in the city. Moving from Suburbs to the City I f you've moved to the suburbs during the pandemic and now miss the city lifestyle, you can take advantage of the current real estate market to make the move. 📌 According to the Federal Housing Finance Agency (FHFA), U.S. home prices have increased by an average of 57.4% over the past five years. 📌 This means that selling your home could provide significant assets, which you can use to relocate to the city.Of course, when moving to the city, it’s common to downsize from a large suburban home with a yard to a smaller apartment or condo. However, if city living is what you crave, the satisfaction from the lifestyle may outweigh the space change. 🏡 If you're planning to sell your suburban home and move to the city, it’s important to consult with a local real estate expert to understand the market conditions and costs. In Conclusion, the Appeal of the City is Drawing People Back! If you're considering moving to the city, now may be a great time.Consult with a real estate expert to explore your options and plan your new lifestyle.   #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 #citylife

봄은 부동산 시장에서 가장 바쁜 시기입니다.바이어들이 가장 활발하게 움직이는 계절이기 때문에  집이 더 빨리, 그리고 더 좋은 가격에 팔릴 가능성이 높습니다. 이미 이사를 고민하고 있다면,  바이어 수요가 증가하는 이 시기를 활용해 봄에 집을 내놓는 것이 좋습니다. 이제 곧 봄이 다가오고 있습니다.  시장을 대비할 시간이 한 달 정도 남았지만, 준비하는 시간은 생각보다 빨리 지나갑니다. 올해는 특히 바이어들이 신중하게 집을 고르는 경향이 있기 때문에  집을 보다 매력적으로 보이게 하는 준비가 더욱 중요합니다.   🏡  올봄, 수리와 보수가 더욱 중요한 이유 현재 부동산 시장에서 두 가지 사실이 중요하게 작용하고 있습니다. 1️⃣  시장에서 매물이 증가하고 있음  – 최근 몇 년 동안보다 판매용 주택이 많아지고 있습니다. 2️⃣  바이어들이 신중해지고 있음  – 높은 금리와 경제적 이유로, 바이어들은 더 까다롭게 집을 선택하고 있습니다. 이러한 상황에서  적절한 보수와 수리를 진행하면 경쟁에서 앞서 나갈 수 있습니다. 많은 주택 소유자들이 이미 이 점을 인식하고,  집을 더 매력적으로 만들기 위한 작업을 시작하고 있습니다. 하버드대학교 주택연구소(Joint Center for Housing Studies of Harvard University)의 Carlos Martin 에 따르면 주택   소유자들은   지난   몇   년과   비교해   점진적으로   리모델링의   속도와   범위를   확장하고   있다고 합니다 . 특히, 많은 사람들이  온수기 교체, 난방·냉방 시스템 개선(HVAC), 바닥 교체  등의 프로젝트를 진행하고 있습니다.또한,  에너지 효율성 도 최근 중요한 요소로 떠오르고 있습니다.   🔍  어떤 수리를 우선해야 할까? 그렇다고 남들이 하는 수리를 그대로 따라 할 필요는 없습니다. 바이어 입장에서 매력적으로 보일 수 있는 부분을 고려하는 것이 중요합니다. ✔  작지만 효과적인 변화부터 시작하세요. 페인트칠, 조명 교체, 문 손잡이 변경 등 빠르고 간단한 개선 사항들은 집의 첫인상을 크게 향상시킬 수 있습니다. ✔  바이어들에게 거부감을 줄 수 있는 문제를 해결하세요. 오래된 지붕, 낡은 바닥, 주방 및 욕실의 업그레이드는 초기 투자 비용이 크지만, 판매 가격을 높이는 데 큰 도움이 됩니다. ✔  투자 대비 효과가 높은 수리를 선택하세요. 부동산 전문가와 상담하여  ROI(투자 대비 수익률)가 높은 개선 사항 을 파악하는 것이 중요합니다. Zonda 보고서에 따르면, 특정 업그레이드는 집값 상승에 직접적인 영향을 미칩니다. 📌  전문가의 조언이 필수입니다!지역 시장을 잘 아는 부동산 전문가와 상담하면, 가장 효과적인 수리 및 업그레이드를 결정하는 데 큰 도움이 됩니다. 🏡  지금부터 준비해야 하는 이유 부동산 시장이 본격적으로 활발해지는 봄을 기다리다 보면, 수리 및 준비를 할 시간이 부족할 수 있습니다. ✔  지금부터 준비하면, 작업을 여유롭게 분배할 수 있습니다. ✔  필요한 공사를 맡길 수 있는 신뢰할 만한 전문가를 미리 찾아둘 수 있습니다. ✔  바이어들이 선호하는 요소를 반영한 매력을 갖춘 집으로 경쟁력을 가질 수 있습니다. 즉, 만약 준비가 늦어지면, 더 빠르게 준비된 매물들에 밀려 경쟁에서 뒤처질 위험이 있습니다. #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 #springmarket

Spring is the busiest season in the real estate market. Since buyers are most active during this time, there’s a higher chance of selling your home quickly and at a good price. If you're already considering moving, it’s a great idea to list your home this spring, as buyer demand tends to increase. Spring is just around the corner, and although there’s about a month left to prepare, time passes quickly. This year, especially, buyers are being more cautious, making it even more important to ensure your home stands out as attractive and well-prepared. 🏡  Why Repairs and Maintenance Are Even More Important This Spring There are two key factors currently shaping the real estate market: 1️⃣  More Inventory on the Market  – There are more homes for sale compared to the past few years. 2️⃣  Cautious Buyers  – Due to high interest rates and economic concerns, buyers are being more selective.In this environment, making the right repairs and improvements can help you stand out from the competition. Many homeowners are already realizing this and starting to work on making their homes more appealing. According to Carlos Martin from the Joint Center for Housing Studies of Harvard University, homeowners are gradually increasing the pace and scope of their remodeling projects. Many are focusing on replacing water heaters, improving HVAC systems, and replacing flooring. Additionally, energy efficiency has become an important factor. 🔍  Which Repairs Should You Prioritize? It’s not about copying what others are doing. Instead, consider what will make your home appealing to buyers. ✔  Start with small but impactful changes: • Painting, changing light fixtures, and updating door handles are quick fixes that can make a big difference in the home’s first impression. ✔  Address issues that might turn buyers away: • Old roofs, worn-out floors, and upgrades to kitchens and bathrooms require a larger initial investment, but they can significantly increase your home’s sale price. ✔  Choose repairs that offer the best return on investment (ROI): • Consulting with a real estate professional to identify high-ROI improvements is key. According to the Zonda report, certain upgrades directly influence home value. 📌  Expert Advice is Essential! Consulting with a real estate professional familiar with the local market can help you decide which repairs and upgrades will have the most impact. 🏡  Why You Should Start Preparing Now If you wait for the spring market to get busy, you might not have enough time to make repairs and get everything ready. ✔ Preparing now lets you spread out the work and manage your time better. ✔ You can find reliable professionals to handle the necessary work. ✔ You’ll be able to make your home more attractive to buyers by including the features they prefer.In short, if you wait too long, you risk falling behind properties that are already well-prepared and ready for the market.   #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 #springmarket