金融当局正在审查措施，以限制大首尔地区管制区域内多套房主延长贷款，以冷却过热的房地产市场。金融委员会计划于周二与主要银行召开会议，讨论改革这些做法。随着多套房主的重税资本利得税豁免将于5月到期，此举应运而生。
金融当局周日消息人士称，正在审查措施，以限制大首尔地区管制区域内多套房主延长贷款，这符合政府冷却过热房地产市场的努力。金融委员会计划于周二与国内五大银行和金融合作社召开会议，讨论改革这些房主的贷款延期做法。政府已澄清，多套房主的重税资本利得税豁免将于5月到期。该举措正是在此背景下出台的。虽然政府目前对大首尔地区购房的抵押贷款实施严格限制，但一些多套房主通过再融资延长了现有贷款，这引发了对制度公平性的质疑。金融官员表示：“如果没有包括租户保护在内的特殊问题，原则上将不允许多套房主延长贷款到期日。”这一举措旨在解决房地产市场的投机行为并提升公平性，同时考虑租户保护。当局预计将在会议后公布具体指导方针。
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President Lee Jae-myung stated on February 14 in a post on social media platform X that his administration's real estate policies aim to reclaim unfair privileges from speculation and investment. He emphasized protecting homeowners using properties for living while highlighting harm caused by multiple homeowners' speculative practices. The main opposition party criticized the remarks as intimidating the real estate market.
South Korea's Cabinet approved a revision to the enforcement decree of the Income Tax Act, ending a temporary exemption from heavy capital gains taxes for owners of multiple homes. The measure, postponed under the previous Yoon Suk Yeol administration, will resume after nearly four years to stabilize housing prices and curb speculation in the greater Seoul area. It imposes a maximum tax rate of up to 75 percent on sales in designated speculative zones starting May 9.
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President Lee Jae Myung has urged multiple home owners to sell via social media, labeling real estate speculation as leading to 'national ruin.' The government is considering ending the grace period for punitive capital gains taxes on May 9, while housing supply plans face delays. Experts argue that legislation and follow-up measures matter more than harsh rhetoric.
South Korea's inflation-adjusted home prices fell 1.6 percent in the third quarter of 2025 from a year earlier, ranking 47th among 56 major economies. This marks the 13th consecutive quarter of on-year contraction. Data from the Bank of Korea and the Bank for International Settlements shows prices have been declining since the third quarter of 2022.
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South Korea's Fair Trade Commission has imposed a combined fine of 272 billion won on four major banks—KB Kookmin, Shinhan, Woori, and Hana—for colluding on real estate loan-to-value (LTV) ratios. The banks exchanged information from March 2022 to March 2024 to avoid competition. This practice limited options for consumers and small businesses seeking mortgages.
Korean savings banks are intensifying efforts to enter the foreigner finance market amid a rising number of foreign residents. Traditionally dominated by commercial banks, this sector is seeing tailored products from savings banks. Industry officials highlight initiatives to improve financial access for migrant workers.
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South Korea's Bank of Korea unanimously kept its benchmark interest rate unchanged at 2.5 percent on April 10, marking the seventh consecutive hold since July 2025 amid high uncertainty from the Middle East war, which has fueled inflation risks, growth slowdowns, and won weakness. Governor Rhee Chang-yong noted the won could strengthen quickly if tensions ease. The next policy meeting is May 28.