<p>韩国于周日宣布对首尔富裕地区实施更严格的抵押贷款规则，旨在遏制不断上涨的房价并缓解首都的住房短缺。</p>
<p>从周一开始，江南和龙山区等地区的贷款价值比（LTV）将从 50% 降至 40%。</p>
<p>该国的抵押贷款系统已经相当复杂，将贷款资格与收入、房产价值和位置联系在一起。</p>
<p>政府表示：“由于对首都圈房价上涨的担忧仍然潜在，我们需要采取非常措施来刺激供应，同时控制需求。” 为了促进可负担住房，相关部门计划扩大对国有企业如韩国土地与住房公司拥有土地的开发，并简化公寓重建的相关法规。</p>
<p>这一举措反映了一种双重策略，包括抑制投机需求，同时通过公共土地和简化的建设规则加速供应。</p>

AOMR

<p>韩国在首尔富裕地区实施了更严格的抵押贷款规则，将贷款价值比（LTV）从 50% 降低至 40%，以应对不断上涨的房价和住房短缺。政府旨在控制需求，同时通过扩大国有土地开发和简化公寓重建法规来刺激供应。这一双重策略旨在缓解投机性需求并提高可负担住房的供应</p>

<p>South Korea announced tighter mortgage rules for affluent Seoul districts on Sunday, aiming to curb rising home prices and ease the capital’s housing shortage.</p>
<div class="lb-trans"><p>韩国于周日宣布对首尔富裕地区实施更严格的抵押贷款规则，旨在遏制不断上涨的房价并缓解首都的住房短缺。</p>
</div><p>Starting Monday, the loan-to-value (LTV) ratio in areas like Gangnam and Yongsan will drop to 40%, down from 50%.</p>
<div class="lb-trans"><p>从周一开始，江南和龙山区等地区的贷款价值比（LTV）将从 50% 降至 40%。</p>
</div><p>The country’s mortgage system is already complex, linking loan eligibility to income, property value, and location.</p>
<div class="lb-trans"><p>该国的抵押贷款系统已经相当复杂，将贷款资格与收入、房产价值和位置联系在一起。</p>
</div><p>The government said, “As concerns about an upswing in home prices remain latent in the metropolitan area, we need extraordinary measures to stimulate supply while also controlling demand.” To boost affordable housing, authorities plan to expand development on land owned by state-run firms such as the Korea Land &amp; Housing Corporation and simplify regulations for apartment redevelopment.</p>
<div class="lb-trans"><p>政府表示：“由于对首都圈房价上涨的担忧仍然潜在，我们需要采取非常措施来刺激供应，同时控制需求。” 为了促进可负担住房，相关部门计划扩大对国有企业如韩国土地与住房公司拥有土地的开发，并简化公寓重建的相关法规。</p>
</div><p>The move reflects a dual strategy, including dampening speculative demand while accelerating supply through public land and streamlined construction rules.</p>
<div class="lb-trans"><p>这一举措反映了一种双重策略，包括抑制投机需求，同时通过公共土地和简化的建设规则加速供应。</p>
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韩国削减首尔的贷款价值比以降温房地产市场