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CHAPTER 01. 부동산 입문자가 꼭 알아야 할 부동산 기본 다지기 부동산 공부는 어떻게 해야 되나?······································································· 14 책에서 배우고, 현장에서 경험하라································································ 14 당신의 인생을 바꾸는 투자 습관··································································· 16 부동산 실전 경험의 첫걸음 장소··································································· 19 월급쟁이가 저축으로 부자가 될 수 있을까?··························································· 23 저축만으로는 물가의 속도를 따라잡을 수 없다·················································· 23 돈을 버는 속도와 모으는 속도를 다르게 하라···················································· 24 내 집 마련의 출발점은 청약통장에 있다······························································· 27 청약제도를 알면 내 집이 보인다··································································· 27 청약 당첨의 시작은 청약통장에 있다······························································ 28 청약 당첨, 이제는 운이 아니라 전략이다························································· 31 부동산 단계별(취득, 보유, 양도) 세금의 종류와 기준···················································· 35 부동산 투자자에게 세금 공부는 제2의 수익 창출이다·········································· 35 취득세를 알면 부동산 투자 전략이 보인다······················································· 37 비슷하지만 다른 세금, 재산세와 종합부동산세 제대로 알기··································· 42 부동산 투자의 성공은 양도할 때 완성된다······················································· 46 CHAPTER 02. 부동산 투자의 첫걸음, 내 집 마련 완전 정복 부린이가 세 번의 기회로 찾아가는 내 집 마련 전략·················································· 50 재건축과 재개발을 통한 내 집 마련 전략························································· 50 경매로 내 집 마련 전략·············································································· 57 지역주택조합으로 내 집 마련 전략································································ 64 집을 사기 전에 왜 세대분리가 필요한가?······························································ 67 세대분리를 하는 이유··············································································· 67 일반적인 세대분리 요건············································································· 70 30세 미만이 충족해야 할 소득 요건······························································· 72 부부가 공동명의로 부동산을 소유할 경우, 장단점은?················································ 74 부부 공동명의의 장점··············································································· 74 부부 공동명의의 단점··············································································· 78 집을 살 때 꼭 확인해야 할 필수 공부와 유의 사항···················································· 82 등기사항전부증명서(등기부등본)···································································· 82 건축물관리대장······················································································ 86 토지대장······························································································ 90 지적도(임야도)························································································· 92 토지이용계획확인서················································································· 94 부동산 매매를 할 때 주의사항······································································ 98 내 집 마련을 위한 매수 전략과 확인 사항···························································· 103 자신의 주거 목표와 미래 분석을 정확히 파악하자············································ 103 좋은 집보다 좋은 위치가 더 중요하다··························································· 105 매수계획이 똑똑해야 매수도 여유롭다·························································· 106 자주 이사하는 것을 귀찮아하거나 두려워하지 말자················································ 109 이사는 새로운 기회를 여는 열쇠다······························································ 109 이사 전략으로 성공하는 직장인의 부동산 투자법············································· 110 자주 다닌 이사가 부동산 초보자에게 유리한 이유············································ 112 CHAPTER 03. 월급은 나를 먹여 살리고, 부동산은 나를 자유롭게 한다 월급쟁이가 직장생활과 부동산 투자를 병행해야 되는 이유······································· 118 자기 개발보다 자산 개발이 먼저다······························································ 118 투자를 반드시 월급이 있을 때 시작해야 하는 이유············································ 120 월급은 나를 먹여 살리고, 부동산은 나를 자유롭게 한다···············································122 부동산을 매수할 때 반드시 알아야 할 레버리지 전략·············································· 124 레버리지의 마법, 적은 돈으로 큰 자산 사는 방법············································· 124 레버리지 전략으로 안전하게 투자하는 방법···················································· 127 단기간 상승이 예상되는 아파트 투자의 징후는?(저평가 지역과 저평가 아파트 찾아내기)············ 133 단기 상승 아파트를 찾아내는 3가지 핵심 신호················································ 133 상승 잠재력이 높은 저평가 지역과 아파트 찾는 실전 노하우································ 135 남들보다 먼저 부동산 하락 신호를 어떻게 알 수 있을까?········································· 143 부동산 하락 신호 Ⅰ: 매매 거래량······························································· 143 부동산 하락 신호 Ⅱ : 금리 및 대출 정책······················································· 146 부동산 하락 신호 Ⅲ : 미분양 수································································· 148 부동산 하락 신호 Ⅳ : 아파트 매매지수························································· 150 부동산 투자할 때 절대 손해 보지 않는 노하우······················································ 153 부동산 투자는 철저한 시장 분석에서 시작된다················································ 153 투자 전 반드시 확인해야 할 2가지 핵심 요소·················································· 155 부동산을 거래할 때 확인해야 하는 부동산 절세 방법·············································· 158 부동산을 매수할 때 알아야 할 취득세 절세 방법·············································· 158 부동산 보유 시 알아야 할 보유세(재산세, 종합부동산세) 절세 방법····························· 160 부동산 매매 시 알아야 할 양도소득세 절세 방법·············································· 165 성공을 위한 직장인의 부동산 투자 5가지 원칙······················································ 169 부동산 투자금의 명확한 한도를 설정하라······················································ 169 투자 전 입지 분석은 앱과 발품으로 이중 확인하라············································ 171 실거주가 가능한 투자처를 우선 고려하라······················································ 174 세금과 비용까지 계산한 순수익률을 기준으로 투자하라····································· 178 투자의 성공은 부부간 의사결정 공유와 대화가 중요하다···································· 181 주택 보유 수에 따라 투자 전략이 달라진다··························································· 187 1주택자, 비과세 혜택을 중심으로 안정적 투자하기··········································· 187 2주택자, 중과세를 피하는 전략적 포트폴리오 관리법········································ 190 CHAPTER 04. 부린이에서 수익 창출하는 부동산 투자자로 살아가기 자신만의 원칙을 만든 투자자만이 부동산 시장에서 성공할 수 있다······························ 196 진정한 최고의 투자는 가장 저렴한 가격에 최상의 가치를 얻는 것이다····················· 196 정부 정책을 잘 파악하면 수익 창출하는 기회를 찾을 수 있다······························· 199 분산 투자는 투자 위험을 최소화하는 가장 효과적인 전략이다······························ 202 현재가 아니라 미래의 잠재력에 초점을 맞춰 투자하라······································· 204 수익 창출의 필수조건인 부동산 입지 4가지 분석하기·············································· 208 교통과 일자리는 서로 긴밀하게 연계되어야 한다············································· 208 좋은 교육환경은 집값을 부른다·································································· 212 사람이 몰리는 상권이 부동산의 미래를 밝혀준다············································· 214 자연환경의 질이 오르면 자산의 질도 오른다··················································· 216 부동산은 언제 사고팔아야 할까?······································································ 219 부동산 매도 타이밍················································································ 219 부동산 매수 타이밍················································································ 230 부동산 투자의 시작과 끝, 결국은 아파트다·························································· 241 아파트 투자가 부동산 시장을 이끄는 이유····················································· 241 모두가 아파트 투자를 꿈꾸지만, 알아야 할 위험이 있다····································· 245 잠자는 돈을 깨우는 방법, 상가에 투자하라·························································· 254 안정적 투자 수익을 원한다면 단지 내 상가에 투자하라······································ 254 지역 상권의 중심인 근린 상가에서 기회를 잡아라············································ 257 미래를 여는 고수익 투자는 오피스텔 상가다··················································· 260 성공하는 부동산 갭투자로 수익 내는 방법··························································· 262 수익 내는 갭투자 지역 선정 방법과 분석 포인트·············································· 262 레버리지 전략과 갭투자를 활용한 자산을 불리는 방법······································· 266 갭투자의 위험을 피하는 전략을 세워라························································· 269 나도 부동산 법인 투자를 잘할 수 있을까?··························································· 271 부동산 자산가로 꿈을 키우는 법인 투자의 이해··············································· 271 성공과 실패를 가르는 법인 투자의 장단점····················································· 274 초보자를 위한 법인 설립 절차 및 운영 전략···················································· 275 법인 투자 성공을 위해 꼭 알아야 할 주의 사항················································ 280 CHAPTER 05. 부동산 투자로 일하지 않으면서도 제2의 월급 받는 시스템 구축하기 부동산이 노후를 보장하는 안전자산이 되는 이유··················································· 284 부동산이 안정적이고 지속 가능한 노후 소득원이 되는 이유································· 284 장기적 가치 상승과 물가 상승 방어 효과가 있다·············································· 287 다양하게 수익을 올릴 수 있는 부동산 투자 전략···················································· 291 공시지가 1억 원(지방 2억 원) 이하 부동산 투자로 수익 내기·································· 291 주택 수에 포함되지 않는 재개발구역 토지 투자··············································· 298 각종 혜택이 주어지는 지식산업센터 투자······················································ 301 성공적인 아파트 분양권 투자···································································· 303 부동산 투자로 일하지 않으면서 월급 받는 시스템 구축하기······································ 307 월세가 월급이 되는 시스템이 필요한 이유····················································· 307 지속 가능한 현금흐름 시스템 만드는 방법····················································· 309 월급 시스템을 유지하고 확장하는 핵심 전략··················································· 310 |
저자 소개 1
대학원에서 법학을 전공하고, 2025년 한국전력공사 지사장으로 정년퇴직했다. 한전 본사와 부산울산본부에서 9년 6개월 동안 부동산 매각, 임대차, 세금, 개발, 자산관리 등 종합적인 기획 업무를 담당했다. 또한 한전 인재개발원에서 사내 강사로 활동하며 부동산 실무 교육을 진행했고, 본사와 전국 사업소의 자산관리 담당자들의 역량 강화를 이끌었다. 직업 훈련교사 면허를 보유하고 있으며, 사외 일반인을 대상으로 전력산업 관련 경영 교육도 맡았다. 현재는 외부 정책 포럼과 SNS 활동을 통해 폭넓은 대외 활동을 이어가고 있다.
최근 전세사기로 고통받는 청년과 신혼부부를 보며, ‘누
대학원에서 법학을 전공하고, 2025년 한국전력공사 지사장으로 정년퇴직했다. 한전 본사와 부산울산본부에서 9년 6개월 동안 부동산 매각, 임대차, 세금, 개발, 자산관리 등 종합적인 기획 업무를 담당했다. 또한 한전 인재개발원에서 사내 강사로 활동하며 부동산 실무 교육을 진행했고, 본사와 전국 사업소의 자산관리 담당자들의 역량 강화를 이끌었다. 직업 훈련교사 면허를 보유하고 있으며, 사외 일반인을 대상으로 전력산업 관련 경영 교육도 맡았다. 현재는 외부 정책 포럼과 SNS 활동을 통해 폭넓은 대외 활동을 이어가고 있다.
최근 전세사기로 고통받는 청년과 신혼부부를 보며, ‘누군가는 쉽게 알려줘야 한다’라는 소명감을 갖게 되었다. 이에 실질적인 길잡이가 되기를 바라는 마음으로, 부린이 탈출을 위한 부동산 입문서를 집필했다. 더 이상 대한민국에서 부동산 기초 지식 부족으로 피해받는 이들이 없기를 바라며, 부린이들의 든든한 멘토가 되고자 한다.
최근 전세사기로 고통받는 청년과 신혼부부를 보며, ‘누군가는 쉽게 알려줘야 한다’라는 소명감을 갖게 되었다. 이에 실질적인 길잡이가 되기를 바라는 마음으로, 부린이 탈출을 위한 부동산 입문서를 집필했다. 더 이상 대한민국에서 부동산 기초 지식 부족으로 피해받는 이들이 없기를 바라며, 부린이들의 든든한 멘토가 되고자 한다.
품목정보
- 발행일
- 2025년 09월 17일
- 쪽수, 무게, 크기
- 314쪽 | 152*225*30mm
- ISBN13
- 9791194223986
책 속으로
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직장인에게 진정으로 중요한 재테크 전략은 고위험·고수익이 아니다. 사업가나 전업 투자자처럼 무모한 위험을 감수할 필요는 없다. 가장 안전한 길은 ‘직장생활을 유지하면서 꾸준히 투자하는 것’이다. 투자 위험을 최소화하는 가장 효과적인 방법은 지속적인 학습이다. 무지한 상태로 투자하면 위험하지만, 꾸준히 공부하고 경험을 쌓으면 위험은 자연스럽게 관리할 수 있다. 특히 주식과 부동산 같은 대표 자산에 대해 꾸준히 공부하고 충분한 확신이 생겼을 때 안정적인 장기 투자로 이어가는 전략이 직장인에게 가장 현실적이다.
--- p.25 경매의 가장 큰 장점은 시세보다 저렴하게 부동산을 매수하는 기회를 제공한다는 점이다. 그러나 권리분석을 부실하게 할 경우, 선순위 채무를 떠안거나 소유권 문제로 인해 재정적 손실을 입을 수 있다. 또한, 자산가치 상승, 임대수익 등 미래가치를 부정확하게 예측하면 손해가 발생할 수 있다. 따라서 내 집 마련을 위해 경매에 도전한다면 권리분석뿐만 아니라 시세 조사와 현장 방문을 통해 미래가치를 냉철하게 평가하는 안목을 길러야 한다. --- p.58 부동산 매수는 중대한 결정이지만 한 장의 서류로 미래의 불확실성을 줄일 수 있다는 점에서 큰 가치를 지닌다. 이제 부동산 거래에서 실수를 피하려면 등기사항전부증명서를 세심하게 확인해야 한다. 이 서류 한 장이 당신의 소중한 자산과 미래를 보호할 수 있는 열쇠다. --- p.86 오늘날과 같이 급변하는 경제 환경에서 직장인의 월급만으로는 불확 실한 미래를 대비하는 데 한계가 있으며, 경제 불황, 회사 구조조정, 예기치 못한 퇴직 등으로 인해 수입 감소나 직업 상실의 위험에 직면할수 있다. 이러한 상황에 대처할 수 있는 능력은 다양한 수입원을 확보하는 데서 시작된다. 부동산 투자와 같은 다른 자산을 통해 수익원을 다각화하는 것은 장기적으로 더 안정적인 재정적 기반을 마련하는 데 도움을 줄 수 있다. --- p.119 부동산 투자에 뛰어들기 전 수익을 극대화하기 위해서는 세금 구조를 자세히 살펴보는 것이 필수다. 부동산 관련 세금은 투자 단계에 따라 취득세, 재산세, 종합부동산세, 양도소득세, 증여세, 상속세 등으로 나뉘며, 세금마다 부과 기준과 세율이 다르다. 투자자는 보유 목적과 거래 시점에 따라 달라지는 과세 항목과 공제 조건을 정확히 이해해야 예기치 못한 세금 부담을 최소화해야 한다. --- p.158 성공적인 부동산 투자는 우연히 이루어지지 않는다. 철저한 준비와 시장에 대한 깊은 이해, 그리고 자신의 상황에 맞는 명확한 투자 원칙을 세우고 이를 꾸준히 실천할 때 비로소 성과가 나타난다. 특히 부동산에 처음 입문하는 투자자는 시장 분위기나 일시적 유행에 휩쓸리기보다 스스로 판단 기준을 세우고, 장기적인 관점에서 투자 방향을 설정하는 것이 무엇보다 중요하다. --- p.196 아파트의 가치는 입지와 미래 성장 가능성에서 결정된다. 교통망, 교육 환경, 상업시설과 같은 인프라뿐만 아니라 해당 지역의 인구 흐름과 개발계획까지 면밀히 살펴야 한다. 특히 개발계획이 지연되거나 수요가 기대에 미치지 못하면 투자자 입장에서 자산가치는 오히려 하락할 수 있다. --- p.246 현명한 투자자가 되기 위해서는 인플레이션을 뛰어넘는 수익을 낼 수 있는 투자 전략을 고민하고 실행하는 것이 중요하다. 특히 부동산 투자의 경우 안정적인 수익을 얻기 위해서는 다양한 부동산 투자 유형에 대해 깊이 있게 이해하고 시장과 상품을 철저히 분석하는 노력이 필요하다. 한 가지 방식에만 안주하지 않고 변화하는 시장 환경에 맞춰 지속적으로 새로운 투자 기회를 탐색하고 학습하는 자세가 장기 적인 투자 성공의 핵심이다. --- p.291 |
출판사 리뷰
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초보자를 위한 가장 현실적인 부동산 입문서
책은 크게 다섯 개의 장으로 구성되어 있다. ‘CHAPTER 01. 부동산 입문자가 꼭 알아야 할 부동산 기본 다지기’에서는 부동산 공부의 출발점을 짚으며, 청약제도·세금·투자 습관 등 초보자가 반드시 알아야 할 기초를 다룬다. ‘CHAPTER 02. 부동산 투자의 첫걸음, 내 집 마련 완전 정복’에서는 내 집 마련 전략을 다각도로 제시한다. 재건축과 재개발, 경매, 지역주택조합 등 다양한 방법을 소개하고, 세대분리나 공동명의처럼 실무적으로 중요한 쟁점을 함께 풀어낸다. ‘CHAPTER 03 월급은 나를 먹여 살리고, 부동산은 나를 자유롭게 한다’에서는 월급 생활과 병행할 수 있는 직장인의 부동산 투자법을 제시하며, 레버리지 활용, 절세 전략, 시장 하락 신호 읽기 같은 구체적인 팁을 다룬다. ‘CHAPTER 04. 부린이에서 수익 창출하는 부동산 투자자로 살아가기’에서는 장기적 관점에서 부동산 시장을 바라보는 눈을 길러준다. 분산 투자, 입지 분석, 매수·매도 타이밍, 아파트와 상가 투자 등 현실적인 전략을 통해 독자가 스스로의 원칙을 확립하도록 돕는다. 마지막 ‘CHAPTER 05. 부동산 투자로 일하지 않으면서도 제2의 월급 받는 시스템 구축하기’에서는 ‘월세가 월급이 되는 시스템’을 구축하는 방법을 안내하며, 안정적인 현금흐름을 만드는 과정을 보여준다. 앞으로의 부동산 시장은 여전히 불확실하고 변화무쌍할 것이다. 그러나 이 책은 초보자에게 필요한 최소한의 나침반이자, 평범한 사람들이 경제적 자유를 향해 나아가는 가장 현실적인 첫걸음이 될 것이다. |
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