Day 153: Buying an Apartment Before Thirty?

Dialogue

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1. 1

   A 나 아파트 살까 진지하게 고민 중이야. 부모님 집 근처에 신축 단지가 나왔거든.

   Na apateu salkka jinjihage gomin jungiya. Bumonim jip geuncheoe sinchuk danjiga nawatgeodeun.

   I'm seriously thinking about buying an apartment. There's a new complex near my parents' place.

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2. 2

   B 아파트? 우리 이제 스물여덟이잖아. 돈이 어디 있어서?

   Apateu? Uri ije seumuryeodeolbijana. Doni eodi isseoseo?

   An apartment? We're only twenty-eight. Where would you get the money?

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3. 3

   A 모아 둔 돈 칠천만 원에, 나머지는 대출을 받으면 돼. 말 그대로 영끌이지.

   Moa dun don chilcheonman wone, nameojineun daechureul badeumyeon dwae. Mal geudaero yeongkkeuriji.

   Seventy million I've saved, and I'd borrow the rest. Scraping together every last won, literally.

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4. 4

   B 나머지가 얼마인데? 거기 요즘 집값 엄청 비싸다고 하던데.

   Nameojiga eolmainde? Geogi yojeum jipgap eomcheong bissadago hadeonde.

   How much is the rest? I heard prices there are crazy these days.

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5. 5

   A 사억 좀 넘어. 근데 값이 이렇게 올랐는데도 사람들이 계속 사잖아. 지금 안 사면 영영 못 살 것 같아.

   Saeok jom neomeo. Geunde gapsi ireoke ollanneundedo saramdeuri gyesok sajana. Jigeum an samyeon yeongyeong mot sal geot gata.

   A bit over four hundred million. But people keep buying even though prices have gone up this much. I feel like if I don't buy now, I never will.

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6. 6

   B 사억이면 이자만 한 달에 얼마야? 금리가 사 퍼센트만 돼도 백삼십만 원이 넘어.

   Saeogimyeon ijaman han dare eolmaya? Geumniga sa peosenteuman dwaedo baeksamsimman woni neomeo.

   Four hundred million? What's the interest alone each month? Even at four percent, it's over 1.3 million won.

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7. 7

   A 원금까지 하면 한 달에 이백 가까이 나가. 그래도 월세 낸다고 생각하면 돼.

   Wongeumkkaji hamyeon han dare ibaek gakkai naga. Geuraedo wolse naendago saenggakamyeon dwae.

   With the principal, it's close to two million a month. But I can think of it as paying rent.

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8. 8

   B 월세를 이백씩 내는 사람이 어디 있어. 그러면 여행도 못 가고 차도 못 사고 삼십 년을 버텨야 돼.

   Wolsereul ibaekssik naeneun sarami eodi isseo. Geureomyeon yeohaengdo mot gago chado mot sago samsip nyeoneul beotyeoya dwae.

   Who pays two million a month in rent? That way you can't travel or buy a car, and you have to hold out for thirty years.

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9. 9

   A 알아. 근데 몇 년 전에 산 친구들은 벌써 집값이 두 배가 됐어. 나만 뒤처지는 것 같아서 불안해.

   Ara. Geunde myeot nyeon jeone san chingudeureun beolsseo jipgapsi du baega dwaesseo. Naman dwicheojineun geot gataseo buranhae.

   I know. But friends who bought a few years ago have already seen their places double. I'm anxious I'm the only one falling behind.

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10. 10

    B 그건 운이 좋았던 거지. 꼭대기에서 산 사람들은 집값이 떨어졌는데도 불구하고 이자는 그대로 내고 있잖아.

    Geugeon uni joatdeon geoji. Kkokdaegieseo san saramdeureun jipgapsi tteoreojyeonneundedo bulguhago ijaneun geudaero naego itjana.

    That was luck. People who bought at the peak are still paying the same interest even though prices have fallen.

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11. 11

    A 그래도 길게 보면 서울 집값은 결국 오르잖아. 부모님 세대도 다 그렇게 샀고.

    Geuraedo gilge bomyeon Seoul jipgapseun gyeolguk oreujana. Bumonim sedaedo da geureoke satgo.

    Still, in the long run Seoul prices always go up. That's how our parents' generation bought too.

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12. 12

    B 부모님 세대는 금리도 집값도 지금이랑 완전히 달랐어. 앞으로 인구가 줄면 어떻게 될지 아무도 몰라.

    Bumonim sedaeneun geumnido jipgapdo jigeumirang wanjeonhi dallasseo. Apeuro inguga julmyeon eotteoke doelji amudo molla.

    Our parents' generation had completely different interest rates and house prices. Nobody knows what'll happen when the population shrinks.

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13. 13

    A 그럼 넌 어떻게 할 건데? 평생 전세 살 거야?

    Geureom neon eotteoke hal geonde? Pyeongsaeng jeonse sal geoya?

    Then what are you going to do? Live on jeonse your whole life?

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14. 14

    B 당분간은. 전세 대출로 작은 집에 살고, 남는 돈은 적금이랑 펀드에 나눠서 넣고 있어. 한곳에 다 걸면 위험하잖아.

    Dangbunganeun. Jeonse daechullo jageun jibe salgo, namneun doneun jeokgeumirang peondeue nanwoseo neoko isseo. Hangose da geolmyeon wiheomhajana.

    For now. I live in a small place on a jeonse loan and split what's left between a savings plan and funds. Putting everything in one place is risky.

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15. 15

    A 근데 전세도 불안하잖아. 전세 사기 뉴스 보면 무서워.

    Geunde jeonsedo buranhajana. Jeonse sagi nyuseu bomyeon museowo.

    But jeonse is risky too. The news about jeonse scams scares me.

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16. 16

    B 그건 맞아. 그래서 나는 보증 보험부터 들었어. 돈은 좀 들어도 마음은 편해.

    Geugeon maja. Geuraeseo naneun bojeung boheombuteo deureosseo. Doneun jom deureodo maeumeun pyeonhae.

    That's true. That's why I got deposit insurance first thing. It costs a bit, but it's peace of mind.

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17. 17

    A 너는 참 계획적이다. 나는 남들 다 사는데 나만 안 사면 바보가 되는 것 같아서 그래.

    Neoneun cham gyehoekjeogida. Naneun namdeul da saneunde naman an samyeon baboga doeneun geot gataseo geurae.

    You're so methodical. I just feel like I'll be the fool if everyone else buys and I don't.

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18. 18

    B 남들이 산다고 따라 사는 게 제일 위험해. 집값이 이미 오를 대로 올랐는데도 무리해서 샀다가 후회하는 사람이 얼마나 많은데.

    Namdeuri sandago ttara saneun ge jeil wiheomhae. Jipgapsi imi oreul daero ollanneundedo murihaeseo satdaga huhoehaneun sarami eolmana maneunde.

    Buying because others are buying is the riskiest thing. You have no idea how many people stretched themselves to buy when prices had already peaked, and then regretted it.

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19. 19

    A 그럼 이렇게 할게. 당장 계약하지 말고, 대출 상담부터 받아서 매달 얼마까지 갚을 수 있는지 계산해 볼게.

    Geureom ireoke halge. Dangjang gyeyakaji malgo, daechul sangdambuteo badaseo maedal eolmakkaji gapeul su inneunji gyesanhae bolge.

    Then here's what I'll do. I won't sign right away; I'll get loan advice first and work out how much I can pay back each month.

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20. 20

    B 그래, 그게 순서지. 계산해 보고도 괜찮으면 그때는 나도 안 말릴게.

    Geurae, geuge sunseoji. Gyesanhae bogodo gwaenchaneumyeon geuttaeneun nado an mallilge.

    Yeah, that's the right order. If it still works after you've done the math, I won't try to stop you.

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