tag:blogger.com,1999:blog-55976825621968149992024-02-19T08:01:25.447-08:00English speaking certified realtor in Busan KoreaRicky3582http://www.blogger.com/profile/05727441932767241151noreply@blogger.comBlogger4125tag:blogger.com,1999:blog-5597682562196814999.post-63045356709061810472017-05-16T02:34:00.000-07:002019-04-20T16:19:48.038-07:00A Brand New Officetel. Competitive price. 2 Bed/1 Bath, 5 minutes walk from 민락 or 수영 subway station <span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial"; font-size: 12pt;">Please first read the post of how to buy a house on a mortgage by clicking the link below.</span><br /><span style="font-family: "arial"; font-size: 12pt;"><a href="http://realtorinkorea.blogspot.kr/2017/04/buying-house-on-low-interest-rate.html"><span style="color: #cc6611;">http://realtorinkorea.blogspot.kr/2017/04/buying-house-on-low-interest-rate.html</span></a></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial"; font-size: 12pt;"></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial"; font-size: 12pt;"><span lang="EN-US" style="color: #222222; font-family: "arial" , "sans-serif";">A brand new officetel with a very competitive price and fully
furnished with modern appliances(see the details in the table and
pictures below), well located in GwangAn-dong where lots of Expats are
living. It is a great place to live and invest!! If you live in a small studio,
your monthly rent would be more or less the same as the repayment amount for
this officetel. Why not living in a way better place with the same monthly
payment and at the same time, you can expect your asset value appreciation that
has always been a lot higher and faster than our salary. </span><br />
<span lang="EN-US" style="color: #222222; font-family: "arial" , "sans-serif";"></span><br />
<span lang="EN-US" style="color: #222222; font-family: "arial" , "sans-serif";">Signing contract is on going now as a first come first served basis. They opened 4 days ago and more than 70%( around 70 units out of 91 units) have already been sold out. The building is expected to be completed by early Oct this year when you can move in. </span><br />
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<span lang="EN-US" style="color: #222222; font-family: "arial" , "sans-serif";"><span style="font-size: x-small;"><o:p><div class="MsoNormal" style="margin: 0cm 0cm 10pt;">
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</o:p></span></span></span></span>Ricky3582http://www.blogger.com/profile/05727441932767241151noreply@blogger.com0GwangAn-dong, Suyoung-gu, Busan, Korea35.1595722 129.108848235.1336092 129.0685077 35.1855352 129.14918870000002tag:blogger.com,1999:blog-5597682562196814999.post-15391632268709187282017-05-10T04:36:00.000-07:002019-04-20T16:20:22.604-07:00A Brand New Apt. Competitive price. 2 Bed/1 Bath, 7 minutes walk from 구서 subway station <span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial"; font-size: 12pt;"></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial"; font-size: 12pt;">Please first read the post of how to buy a house on a mortgage by clicking the link below.</span><br /><span style="font-family: "arial"; font-size: 12pt;"><a href="http://realtorinkorea.blogspot.kr/2017/04/buying-house-on-low-interest-rate.html"><span style="color: #cc6611;">http://realtorinkorea.blogspot.kr/2017/04/buying-house-on-low-interest-rate.html</span></a></span></span><br />
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<span style="font-family: "arial"; font-size: 12pt;">A brand new apartment with very competitive price, around 20% lower than average market price around 구서 area. As the price is eye-catching to other people too, many have already been sold out with only two units of apartment left for now. So, I think it would be recommendable to see them at your earliest convenience before they are gone. A perfect place to live and to invest at the same time!</span><br />
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<br />Ricky3582http://www.blogger.com/profile/05727441932767241151noreply@blogger.com0Guseo-dong, Gumjung-gu,Busan35.2539907 129.0820369000000535.2280577 129.04169640000003 35.279923700000005 129.12237740000006tag:blogger.com,1999:blog-5597682562196814999.post-36001022838841995312017-04-26T20:24:00.001-07:002019-04-20T16:20:45.617-07:00A Brand New Apt. Affordable price. 2 Bed/1 Bath, 7 minutes walk from 수정 or 화명 subway station <span style="font-family: "arial"; font-size: 12pt;"></span><br />
<span style="font-family: "arial"; font-size: 12pt;">Please first read the post of how to buy a house on a mortgage by clicking the link below.</span><br />
<span style="font-family: "arial"; font-size: 12pt;"><a href="http://realtorinkorea.blogspot.kr/2017/04/buying-house-on-low-interest-rate.html">http://realtorinkorea.blogspot.kr/2017/04/buying-house-on-low-interest-rate.html</a></span><br />
<span style="font-family: "arial";"></span><br />
<span style="font-family: "arial"; font-size: 12pt;">The same unit on the 4th floor was bought by a westerner couple of days ago. So, you already have an Expat neighbor. </span><br />
<span style="font-family: "arial"; font-size: 12pt;"></span><br />
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</a></span>Ricky3582http://www.blogger.com/profile/05727441932767241151noreply@blogger.com0HwaMyung-Dong, Buk-gu, Busan Korea35.2390538 129.0240140999999335.1871783 128.94333309999993 35.2909293 129.10469509999993tag:blogger.com,1999:blog-5597682562196814999.post-39793348211405603542017-04-26T20:06:00.000-07:002019-04-20T16:21:13.930-07:00Buying a house on a low interest rate mortgage in Korea as a foreigner<span style="font-family: "arial"; font-size: medium;"></span><br />
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<span style="font-family: "arial"; font-size: 10pt;"><span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;">Probably not many of you know that you can buy a house on a mortgage in Korea. Here are general steps you need to go through to own property in Korea</span></span></div>
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<span style="font-family: "arial"; font-size: 10pt;"><span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;">1) Find a reliable, certified English-speaking realtor.</span></span></div>
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<span style="font-family: "arial"; font-size: 10pt;"><span style="font-family: 굴림; font-size: 12pt;"></span><span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;">2) Mortgage loan available for a foreigner : around 55% of selling price </span></span><br />
<span style="font-family: "arial"; font-size: 10pt;"><span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;"> at 3.5~4.4% interest rate/year.</span></span></div>
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<span style="font-family: "arial"; font-size: 10pt;"><span style="font-family: 굴림; font-size: 12pt;"></span><span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;">3) Provide him with your budget and preference for location, house type </span></span><br />
<span style="font-family: "arial"; font-size: 10pt;"><span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;"> and anticipated move-in date. </span></span></div>
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<span style="font-family: 굴림; font-size: 12pt;"></span><span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;">4) Pick out some houses out of the realtor-provided list where you can see pictures of </span><br />
<span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;"> houses and their locations with prices. </span><span style="font-size: medium;"><span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: 10pt;"> </span><span style="font-family: "arial" , "helvetica" , sans-serif;">
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<span style="font-family: 굴림; font-size: 12pt;"></span><span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;">5) Go together to see the selected houses in person for comparison and final decision. </span></div>
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<span style="font-family: 굴림; font-size: 12pt;"></span><span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;">6) Buy without mortgage : you will need a fact confirmation certificate of your alien </span><br />
<span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;"> registration that is issued at the cost of 2K won by the Community Service Center where </span><br />
<span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;"> you registered your alien ID card with your current residence address. </span><br />
<span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;">7) Buy with mortgage : First make a seal, have it registered and then get two copies of seal </span><br />
<span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;"> certificate. Other required documents are a copy of proof of employment and a receipt for </span><br />
<span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;"> income tax withholding. </span><span style="font-size: medium;"><span style="font-family: "arial" , "helvetica" , sans-serif;">
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<span style="font-family: 굴림; font-size: 12pt;"></span><span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;">8) Get together at the realtor's office to review and sign a contract, paying 10% down </span><br />
<span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;"> payment at the same time and deciding a date for balance payment and move-in. </span></div>
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<span style="font-family: 굴림; font-size: 12pt;"></span><span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;">9) Meet again at the office for balance payment and handover of passcode, card keys and</span><br />
<span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;"> other accessories for the house, and also final check on the house if there are any </span><br />
<span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;"> defects to repair. </span><br />
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</span></span><span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;">10) Apply for gas, electricity, TV and internet</span></div>
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<span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;">11) A Judicial Scrivener will take care of all legal documentation job on behalf of you and </span><br />
<span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;"> you will receive a registration certificate by a registered amil within 2 weeks. And now </span><br />
<span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;"> you are legally and physically the owner of the house. </span><br />
<span style="font-size: medium;"><span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: 10pt;"> </span></span><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"> </span></div>
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<span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;">For info, acquisition tax is 1.1% for apartment and 4.6% for officetel. There are other costs such as registration fee, mortgage application fee and realtor's commission as well. And they vary depending on the house price but the other costs in total are not more than 1% of the house price in general. So, it is better to buy an Apt which also gets more mortgage amount with less interest rate. </span></div>
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<span style="font-family: 굴림; font-size: 12pt;"></span><span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;"></span></div>
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<span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;">Around 70% of our country's land consists of mountains with residential area that is around 16% only, which indicates that there is always high demands for conveniently located, brand new houses. House prices in Korea have been fluctuating over decades but it has always been upwards in a big picture. So, if you have money that can cover around 50% of your preferred house, it is better to buy one on a mortgage since the house price appreciates a way faster and higher than your salary. Since you have only one house in Korea, if you sell it 2 years after your purchase date, your sale tax will be 100% exempted. </span></div>
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<span style="font-family: 굴림; font-size: 12pt;"></span><span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;"></span></div>
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<span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;">For example, in early 2014, I bought two small apartments located within 10 minutes by walk from a subway station.</span></div>
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<span style="font-family: 굴림; font-size: 12pt;"></span><span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;"></span></div>
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<span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;">X Apt : One bedroom with a big living room and a separate closet, bought at 140 Mil won with around 3 Mil won for tax and other costs. I have had this house rented out on a deposit 20Mil won and 600K won monthly rent since then. So, all in all, the total cost was 143Mil won and my investment was 53 Mil won with 70 Mil won mortgage at 3.6% interest rate. Currently the house is priced at around 195 Mil won(52Mil Margin). I have paid around 7.6Mil won for repayment over last 3 years while my income for the rent over the same years reaches around 21 Mil won. The other Apt is more or less the same as this one. </span></div>
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<span style="font-family: 굴림; font-size: 12pt;"></span><span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;"></span></div>
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<span lang="EN-US" style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 돋움; mso-font-kerning: 0pt;">Most recently, actually yesterday, one of my foreigner customers bought an Apt in HwaMyung at 159Mil won on a mortgage of 85Mil won(3.6% interest rate) with his own investment, 74 Mil won. Two bed rooms, a brand new Apt, 7 minutes by walk from two different subway stations. I hope that he will enjoy the earnings after couple of years as well. </span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;">
</span></span><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;">Thanks, </span><br />
<br /><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"></span>
<div class="autosourcing-stub-extra">
<span style="font-size: medium;"></span><br /></div>
<span style="font-family: "arial"; font-size: medium;">
</span>Ricky3582http://www.blogger.com/profile/05727441932767241151noreply@blogger.com1