Trend Pulse

The 2025 Real Estate Plan sent a clear signal to the market. Rather than stimulating prices, the government will manage lending and release supply over the medium to long term. The thresholds for mortgages have been raised to 40% LTV and stressed DSR, and transaction conditions have been tightened with the entire metropolitan area and Seoul being cordoned off as a restricted area. On the other hand, the planned supply of 1.35 million units in the metropolitan area is acting as a device to ease anxiety. The key going forward is less about timing and more about funding structure. The market is shifting to one where it's not about how much you can borrow, but whether you can afford it in the end. The most realistic strategy for preparing for 2026 is not to avoid the policy, but to rebuild your plans around it. #realestate #mortgageregulation #LTV40 #stressDSR #watercourseregulation #homebuying