Bank of Korea's Rate Freeze: A Deep Dive into the Real Estate Market Impact
This dashboard visualizes and analyzes the multi-layered impact of the Bank of Korea's July 2025 decision to freeze the base interest rate. Explore market polarization, supply issues, the financial health of key players, and future outlooks through interactive charts and data.
1. Market Overview: A Tale of Two Markets
The policy mix of a rate freeze and tightened lending regulations is deepening the 'K-shaped polarization' between the Seoul metropolitan area and regional markets. Examine the indicators below to understand this divergence and the impact of the looming supply cliff.
BOK Base Rate (Q1 '25)
2.50%
Household Credit (Est. Q1 '25)
1,895 Trillion KRW
Seoul Apt. Price Change (Q1 '25)
+0.5%
Regional Apt. Price Change (Q1 '25)
-0.3%
Market Polarization Visualized
Comparing apartment price changes and unsold housing units in Seoul vs. Regional Areas.
2. Key Player Analysis: Construction & REITs
Amidst real estate PF risks and market polarization, how are major construction companies and REITs responding? Select companies below to compare their financial health and profitability.
Select for Comparison
3. H2 2025 Outlook: Three Scenarios
Depending on the success of PF restructuring and changes in the interest rate environment, the real estate market could follow one of three paths in the second half of the year. Click each scenario to see the projected performance levels of key indicators.
Scenario 1: Soft Landing (Optimistic)
Scenario 2: Muddling Through (Neutral)
Scenario 3: Hard Landing (Pessimistic)
4. Global Investor Perspectives: A Virtual Roundtable
How do world-renowned investment gurus view the current Korean real estate market? Explore market opportunities and risk factors through various investment philosophies.
