Prologue_ We support your successful home ownership and real estate investment.

[Preparation Yard]_
Why should you consider location, loans, and taxes simultaneously when investing in real estate?

001 Real Estate Investing: Why Just Study and Not Practice?
002 Real Estate's National Capital? Location, Loans, and Taxes!
(Wait a minute) Real estate regulations after the Moon Jae-in administration
003 Why should we consider location, loans, and taxes all at once?
004 Things You Must Know Before Investing in Real Estate

[First Yard]_
Location: When it comes to real estate, location is paramount.

― From proptech, forestry methods, market analysis, to recommended areas
005 Future wealth is determined by location.
006 The Secret to Finding a Home
(Wait a minute) Five misconceptions about location
(Just follow along) Location Self-Diagnosis Checklist
Analyzing Location Value with 007 Hands - PropTech
(Just follow along) Situational position comparison - Which one is better?
008 Gaining Confidence in Your Position through Footwork - Forestry Law
(Wait a minute) Seven things you must check on site
(Just follow along) Real Estate Planning: Understand the Site - The Case of Jangwi New Town
009 Finding the Intersection of Location and Price - Price Tracking
(Wait a minute) Actual transaction price vs.
Hoga vs.
Price difference
Finding the Best Alternatives Within Your Budget - Price Grouping
011 Find Your Own Gangnam
012 My unwavering base camp, my own

[Second Yard]_
Loans: How to Use Smart Loans to Get to a Better Place

― Know-how from each financial institution, maximizing loan limits, utilizing interest-free loans, etc.
013 Why the World's Wealthy Choose Leverage
014 The massive power required in a capitalist society
015 Loan Process at a Glance
(Wait a minute) Tips for Using a Legal Practitioner Properly During the Loan Process
016 Five Types of Loans
017 Understanding Loan Limits - LTV, DTI, DSR
(Wait a minute) DSR per vehicle
(Just follow along) What's the maximum loan amount I can receive? - Practice calculating your DSR.
018 Uncovering Policy Fund Loans
(Wait a minute) What is real estate registration?
019 Uncovering the Jeonse Loan
(Wait a minute) Deposit Return Guarantee Insurance, the seat belt that protects my deposit
Understanding Loan Interest Rates - Fixed and Variable Rates
(Just follow along) How to check real-time interest rates for each financial institution
021 Loan Repayment Methods and Principal and Interest Account Utilization Strategies
(Wait a minute) The correlation between DSR calculation and repayment method
022 Utilization strategies by financial institution
(Just follow along) Bank Loan Consultation Checklist
023 Credit Score: Loans are considered credit as long as there are no delinquencies.
024 Income Strategy to Maximize Your Loan Limit
025 Loan Strategy in Subscription

[Third Yard]_
Taxes: Smart Tax Savings That Boost Your After-Tax Return

― From contract drafting to capital gains tax exemption
026 Why Knowing Real Estate Taxes Makes Buying a Home Easier
027 How to Respond to Continuously Changing Taxes
(Wait a minute) Useful Setech sites to know
028 Real estate taxes you must pay when purchasing a home
(Wait a minute) The start of saving real estate taxes is to collect documents and receipts.
029 Three Tax-Saving Points to Keep in Mind When Drafting a Contract
(Wait a minute) Will there be any tax savings if I change a single-owner home to joint ownership?
030 Check out tax-saving points for each stage of real estate investment.
031 If your home price has risen, consider capital gains tax.
(Just follow along) Single name vs.
Example of capital gains tax calculation under joint ownership
032 Tax-free transfer income
(Wait a minute) An example of switching using tax exemption
033 Why You Should Be Careful About Generational Separation in Tax-Exempt Benefits
034 Three Tax-Saving Tips for Moving to a Higher Level
(Wait a minute) A practical example of how to properly utilize tax-exempt benefits.

[Fourth Yard]_
First Home Purchase Strategies for Each Life Stage: Case Studies

035 Enjoy the benefits of your first home and your first life.
(Wait a minute) Sample financial plan for buying your first home
036 Home ownership for single-person households moving from rural areas to Seoul
(Wait a minute) What is the minimum down payment I need to buy a house?
(Wait a minute) Can I try a small auction with a seed money of 30 million won?
(Wait a minute) Recommended location for office workers in Gangnam
037 Preparing a New Home for a Couple About to Get Married
038 Homeownership for Couples with Children
(Wait a minute) How to check prestigious school districts? - Top 6 school districts in the Seoul Metropolitan Area

[Fifth Yard]_
A strategy to move to a better location

039 Switching, the main line of real estate investment
(Wait a minute) What we need now is high power!
040 House + House Switching Strategy
(Wait a minute) What is the difference between villa + apartment and apartment + apartment?
041 House + Housing Subscription Rights Exchange Strategy
042 Housing + Cooperative Membership Transfer Strategy

PLUS_ Summary of Real Estate Loan Regulations

“If this is your first time investing in real estate, you must
“You need to learn from a real expert!”
_Genesis Park x Hwolhwol x Ppack! The 'Comprehensive Real Estate Textbook' by 3 Daily Instructors!

'Housing prices will continue to rise. Where can I buy a house with the money I have now?'
'Is there a way to buy a home with a seed money of 30 million won?'
"How do I apply for a real estate loan to move into a new apartment for a small fee?"
"Will I be eligible for this first-ever benefit? Are there other benefits I could receive?"

Once you decide to buy a home, more worries arise.
Even with the abundance of real estate content on YouTube, each expert's perspective is so different that it's hard to know who to trust and follow. Searching around, the variety of real estate market outlooks and investment strategies is so diverse that it's just a headache.

In the big picture, buying a home is also a real estate investment.
Buying your first home correctly will help you set the right direction for your entire life.
That's why beginner investors who are just starting out in real estate investing need a good mentor.
So, three real estate experts, who have guided countless novice investors through real estate investment and education for over a decade, have joined forces! Genesis Park (taxes), Hwol Hwol (location), and Ppak (loans), experts in the fields of location, loans, and taxes—the "national literacy" of real estate—have published a book, akin to "The Essentials of Real Estate Investment," for anyone new to the real estate market.
If you're a complete beginner who doesn't even know the 'wealth' of real estate, let's learn the basics with "Real Estate Investment: Just Follow" and move forward step by step into the real world!

“Where should I buy? How much can I borrow?
“Is there any way to reduce taxes?”
_The 'Homeownership Solution' that solves all your real estate investment concerns!

So why are location, lending, and taxes so important in real estate investing? And why should we learn all three together?

When we buy a house, we need to decide on the area where we will buy the house (location), but we also need to comprehensively plan how much we can buy the house for (loan) by combining our seed money and available funds, and how much the total amount including all the costs incurred in the real estate transaction process (taxes) will be.
Sometimes, depending on the size of the loan I received and whether I can receive tax-free benefits, the area where I can live can change, so the 'rental tax' can be said to be an inseparable part of purchasing a home.

Moreover, from an investment perspective, even if you purchase a house in a good location for less than the market price, there are many cases where the profit is not as great as expected when you consider the loan interest rate and taxes later on. Therefore, you need to be able to comprehensively evaluate the 'rental tax'.
If the loan interest rate is high and the monthly interest payment is burdensome, or if the tax is higher than expected and the after-tax return is not that high, it cannot be considered a successful investment.
In other words, from the very beginning of real estate investment, you need to consider location, loans, and taxes when developing a strategy.

1.
Location: A sense of location determines the success or failure of real estate investment!
Location is the sense of selecting an area that fits my lifestyle well with the funds I have and that will increase in value in the future.
Real estate location expert 'Hwolhwol (Park Sung-hye)' shares the criteria for finding a 'golden location' that will definitely rise, how to diagnose the value of a location using your hands and feet, and a list of noteworthy locations by life cycle and budget.

2.
Loans: A strategic 'big push' to the wealth overtaking lane!
Loans are the power to devise the best strategy by combining various loan information available to you based on your income and circumstances, as well as various investment methods such as apartment purchases, subscriptions, and jeonse (lease) settings.
Real estate loan expert 'Plpack (Kang Yeon-ok)' introduces how to use leverage wisely, from loan types and procedures, to tips for raising loan limits and lowering interest rates, and strategies for interim and final payment loans in subscriptions.

3.
Taxes: Tax-saving strategies to boost your investment returns!
In the tax section, we'll explore tax-saving strategies to reduce unnecessary costs from real estate acquisition to sale and maximize tax-free benefits.
Real estate tax expert 'Genesis Park (Park Min-soo)' shares tax-saving points to keep in mind at each stage of real estate investment, conditions and tips for receiving tax exemption on capital gains, and how to use joint ownership of a property between spouses.

“From buying my first home in life
“Please trust and follow me until you change to a higher level!”
_Learn from various real-life examples in our 'Real Estate Investment Roadmap for Each Life Cycle'!

''We are a couple looking for a new home.
The husband's annual salary before tax is 70 million won, and the wife's annual salary before tax is 50 million won.
Considering commute and investment value, where is the best place to buy a home? And whose name would be most beneficial for the loan?

''I own an apartment in Gyeonggi-do worth 600 million won, and I have a loan of 300 million won.
My husband and I have a combined annual income of 100 million won. Can we afford to move to Seoul? Would applying for a subscription or cooperative membership be a good strategy?

The first three chapters of this book cover the basics of location, loans, and taxes, while the fourth and fifth chapters cover how to apply the "entrance tax" to actual real estate investment, with various case studies.
In the fourth section, we introduce cases of single-person households, couples planning to buy their first home, and couples with babies.
It provides a comprehensive guide to homeownership strategies for each stage of life, including how much money you need, where to find a home, and tax benefits available.
In the fifth section, we introduce the 'upscale land transfer' strategy that single-home owners can use to move to a better environment and more valuable location.
You can compare the effectiveness and considerations of three strategies: housing, housing subscription rights, and cooperative member occupancy rights, to find the method that is right for you.

Investing in real estate for the first time is difficult for everyone.
But with this book, which includes a variety of real-world examples and helpful explanations of location, lending, and tax perspectives, anyone can confidently start buying a home and investing in real estate!