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I told you before that
getting married puts you at a disadvantage when it comes to getting a loan than if you were alone. However, due to the difficult conditions when applying for real estate, more and more people are delaying the marriage registration until they have their own home.

Reporter Jo Yoon-ha covered it.

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"Most charter loans have the same income conditions for single and married people."

Since the last report, there have been many reactions such as, "There is no advantage to registering a marriage, there are many disadvantages, but who will report it?" and "This is why the birth rate is so low."

Loans aren't the only policies that make you worry about getting a marriage license.

Mr. Kim Mo, who is in her 30s, is about to give birth to her first child, and she put in a subscription as a special supply type for newlyweds, but it failed.

I only have one child, so I don't have a priority.

The government said that it would encourage childbirth, and it was designed to give newlyweds the highest price for special provision if they had three children in the first three years of their marriage, but this is extremely unrealistic.

Kim says she regrets not registering her marriage and wishing they had each signed up as independent heads of household.

[Mr. Kim Mo/Newlyweds: If it's not a couple on paper, my husband will be separated from my husband and I will be given two chances. It's sand in your hand. When (the period) goes by, there's nothing left in my hands. Nothing good about it.]

The non-conforming income requirements for the special provision for newlyweds are more stringent than the special provision requirements for unmarried young people.

In addition, if the husband or wife has a history of owning a house before marriage, the restriction of special provision support is also a rule that newlyweds oppose.

[Mr. A/Newlyweds: Even if I am homeless, if my husband had housing before marriage, I would not be eligible to be homeless at all.



[Mr. Kim Mo / Newlyweds: No one in the house without a baby, not a single couple registered their marriage, they thought they didn't need to have children, and that's how the birthrate decreased.]

Rather than pouring hundreds of trillion won into countermeasures against the declining birthrate, we need an approach that can provide practical help, such as making sure that independent households are not at a disadvantage in systems that help with initial wealth formation, such as loans and subscriptions.

(Video reporter: Choi Jun-sik, Cho Chang-hyun, Video editing: Kim Byung-jik, Lee So-young)