There was no social consensus on giving priority to lottery subscription to veteran homeless people with 12 years or more of experience.
I've never heard a reasonable explanation why 9 years is not allowed and 12 years is allowed.
People slowly began to realize that I had no chance of winning.
In particular, complaints began to erupt among single- or two-person households with few dependents and those in their 30s who had not been homeowners for a short period of time.
The political world could not ignore public opinion, so they expanded the scope of special supplies for newlyweds.
For example, the newlywed requirement, which was previously 5 years, was increased to 7 years, and the monthly income standard was raised to a maximum of 160% in the case of dual-income couples.
Now, there are even voices calling for increasing the allocation of housing for single-person households and first-time subscribers.

But then, since the amount of store inventory would decrease again, someone was bound to be dissatisfied again.
Is there a golden rule here? Ultimately, subscriptions are fueled by the expectation of winning.
Prioritizing through artificial allocation is unlikely to satisfy anyone.
Rather, it only leads to disputes over differences in quantity.
All of this is ultimately related to gains and losses. In the current structure, where economic benefits in the hundreds of millions of won are guaranteed when a subscription is won due to abnormal control of the sale price, it is inevitable that a select few will continue to monopolize the profits.
And here, countless people who were left out and excluded, in other words, those who were not selected with a score of 50 or less, completely gave up on their dreams of subscription and started rushing into the real estate market to buy the houses they could get their hands on.
It was the beginning of the so-called 'cheongmupisa (buying a subscription at a premium)' era.
---From "60 billion won in cash collected at the site of uncontracted goods"

When the average price of houses in Seoul rose by 200 million won in just one year, the desperation of people who thought, "If this continues, I really won't be able to buy a house," manifested itself in so-called gap investment.
In the summer of 2018, the percentage of people in Seoul who purchased a house using a jeonse deposit reached a whopping 59.6%.
But in fact, in some ways, this was natural and expected.
At that time, the jeonse rate for apartments in Seoul was still over 70%, which meant that one could purchase a house with a jeonse deposit for just 30% of the house price.
However, after the 8.2 measures, loan regulations were strengthened, so even for those without a home, loans were limited to 40% of the home price, and one had to have at least 70% of the home price to purchase a home. Therefore, so-called gap investment was a more advantageous means of purchasing a home in situations where financing was limited.
(…) But can we conclude that a person without a home who bought a house like this is a gap speculator? (…) I wonder if we can conclude that the desire of a person without a home to buy a house in the best area possible, even if it means using all available loans and getting help from their parents, is speculation.


Moreover, it is true that in the end, more demand was concentrated on expensive houses and prices rose quickly, so advice to take it slow and steady was meaningless.
Nevertheless, the act of buying a house by taking out a loan was branded as speculative.
Regardless, people were looking for real estate with the sole intention of having their names listed on the register of real estate.
---From "I'm making gap investments because I can't get a loan"

A house in Jamsil that used to be worth 1.3 billion won has now surpassed 2 billion won. Who could possibly buy that house? How many people can afford that kind of cash? Let's consider this.
A few years ago, when even Mapo Raemian Prugio was not attracting people's attention, there was a couple who took out a loan of 300 million won and moved into an 84㎡ Mapo Raemian Prugio apartment worth around 800 million won.
Although paying off a loan principal and interest of over 1 million won per month was certainly not something I wanted to do, I decided that it was a good location for a dual-income family, living in a new house and commuting to work in Yeouido or Gwanghwamun.
But after living there for 5-6 years, I have almost paid off the 300 million won loan principal that seemed like a long time ago, and when I looked around, I heard that they are talking about 1.8 billion won for the house price.
His net worth, which was around 400 million won just a few years ago, has more than tripled.
What will this couple do now? Their children are growing up and entering middle school, and they want to move to a better school district. With another mortgage, it's no longer a stretch to jump to a neighborhood worth 2 billion won.

So who can afford this Mapo Raemian Prugio? It's someone who bought a new home at a price level a level below.
(…) A house is bought by selling a house, and the secret to a million dollar house is hidden in the price difference between houses.
People's hearts are one, and everyone wants to have a new home and live in a more comfortable environment.
But as opportunities to acquire such homes disappear, prices are bound to rise. The most expensive homes rise, and the next most expensive homes follow suit, causing less expensive homes to also rise in price.
In this atmosphere, house prices are formed by each other, and the process of securing the legitimacy of each price is repeated.
---From "The Little Ball Launched by Newtown"

When I look at my friends who are getting married now, I feel lost and frustrated.
There are quite a few people who have saved 100 to 200 million won, but they have nowhere to spend that money.
(…) Then is there no way? No.
I couldn't start in Seoul either.
In the past year or two, there have definitely been new houses in Gyeonggi-do that are worth 300-400 million won and have transportation facilities that rival those of Seoul.
At that time, the rent for those houses was around 300 million won each.
Now? The most recent actual transaction price has exceeded 600 million won.
If you took out a loan of 200 million won and bought a house for 350 million won, it will now be worth 600 million won. If you paid off 50 million won of the loan in the meantime, your assets will have increased by 300 million won.

The essence is simple.
You need to have seed money.
It would be better if you could somehow make 100 million won and even 200 million won.
If you live with your parents and start working in your late 20s and save all the money you earn, it is not impossible to earn 100 million won.
And you have to set realistic goals and find ways to achieve them.
No matter how much you look at the price of a house in Gangnam worth 1 billion won or 2 billion won, it doesn't help at all.
Within an hour of work, as close to a subway station as possible, preferably new, and located near other houses.
If you move into a place like that, you have to work hard to earn money and reduce your debt.
And the next step can be explored within a realistic scope.
People who already own a home may think they can just sit back and earn money for it, but that's not true.
We have all gone through the same path.

---From "Realistic Goals for Owning a Home"