서울시 전세보증금 및 전세 레버리지 규모추정 분석

Analysis of the Estimation of Jeonse Deposit and Jeonse Leverage in Seoul

This study analyzed the proportion of investment demand for Jeonse leverage in Seoul's home sales transactions in a time series. Although it does not correspond to financial debt at this point, the proportion of Jeonse leverage transactions compared to sales transactions in apartments from 16 to 23 has continued to decline since 47.8% in '17 to '18, but as of '23, Jeonse leverage transactions are still occurring at 37.7% in '23, and coalition and multi-family households have found that Jeonse leverage transactions are increasing to 44.1% in '21. In addition, as of 2023, the total amount of Jeonse deposits for apartments, which are Seoul's representative housing types, and coalitions and multi-family households was estimated at 375.5 trillion won, accounting for 15% of the Seoul city's housing market value in 23, higher than the Seoul city's total mortgage loan balance of 251 trillion won.