Newly-married couple's special supply still 'picture rice cake'

The government announced the '8.29 Housing Welfare Roadmap' following '8.2 Real Estate Measures' aimed at 'Newly-married couple's housing stability', but it is rather dissatisfied among newlyweds. Newly-married couples who do not consider the individual situation and provide benefits in a mechanically and collectively based on the simple figures such as annual salary are not able to enjoy even this opportunity due to income standards because they are not economically supported by their parents. 

■ '7000 wall 10 thousand won' dual-career couples incurred in 

spite of the 4th Newlywed subsequent housing supply policy announced by the government's target, according to industry and dual-income married couples have shown a frosty response. 

The biggest dissatisfaction is based on the respondents. According to the Housing Welfare Roadmap, the newly-hired couple's home purchase loan and the charter loan for the newly-married couple, which will be launched in January 2018, are the first newly married couples with a combined annual income of less than 70 million won. In case of home loan, it can be up to KRW 200 million, rate of mortgage approval (LTV), and total debt repayment ratio (DTI). 

The recent increase in the lending rate can be a strong support for the newlyweds, but if the combined income of the couple exceeds 70 million won, it is just a picture of rice cake. Kim, who is married in December this year, said, "The married couple's income is 72 million won, but they do not receive much support from both parents, so there is a lot of money to go in." "

Lee, a 20-year-old marriage worker who married in November, said, "If all the dual earnest couples go to large corporations, it would be the quickest way for one side to quit their job to prepare for my family," he said. I can not do this because I am a newly married couple who is not able to do so because of the marginal income limitation of the married couples. " 

■ Special supply is increased, but it is disadvantaged If there is no children, the 

policy that increased the ratio of the special supply of newly-married couple in publicly-sold houses or private houses is also raised as a complaint that it is a "light-eyed patriot". 

Currently, the special supply criteria for newly-married couples are as follows: △ Marriage period is less than 5 years △ Urban workers average monthly income is 100% (120% of double-earner) or less △ 1 child (including fetus) According to the announcement of the housing welfare roadmap, the standard was expanded to include less than 7 years of marriage, 100 percent of monthly average income of urban workers in the previous year (120 percent of double-earner income), abolishment of requirement for one child or more, However, even in the improved policy, the households with children are the first-rate households, and the income standard remains the same, so there is a limited number of newly-married couples who can benefit. 

Park, a 30-year-old employee, said, "I am only married, but are not limited to newly-hired couples who can receive special supplies." "Even if they have no children, I can support them, but if I do not have children, "I sighed. 

■ Additional supplementary measures should be added to the 

experts every time a new honeymoon policy,

According to the 8.2 measures announced by the government, LTV and DTI were applied to lenders in Seoul and Sejong designated speculative superheat districts and speculative regions only when the couple's combined annual income was less than 60 million won, and similar complaints were raised among the couple . 

According to KB Kookmin Bank, in Gangnam-gu, Seoul, where large companies are concentrated, small-sized apartments are sold at over 600 million won in sales price (last year) or over 400 million won in total. It has been pointed out that the income standard should be broadened. 

Professor Shim Kyong-kwan of Konkuk University, said, "The combined income of 70 million won is necessary to supplement the criteria for the countermeasures not only for large companies but also for dual-income couples attending midsize companies. I need to find a way to offer some benefits to my family. "