은퇴 후 전원생활을 위한 토지투자
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작성자 짱알이 작성일13-10-24 09:58 조회24,274회 댓글109건관련링크
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장기적인 경기침체와 수명 100세 시대가 되면서 은퇴 후 안정적인 노후를 위하여 서울 인근, 지방의 토지에 주택을 짓고 살려는 수요가 많아지고 있다. 과거 도시는 부러움의 대상이었지만 도시의 삶이 힘들어지면서 도시의 편리함보다는 환경적인 생활의 여유, 자연힐링을 선택하고 있는 것이다.
베이비붐 시대에 태어난 7080세대의 은퇴가 빨라지면서 귀향하려는 수요가 현재 경제활동을 하고 있을 때 미리 토지매입을 하려고 하는 사람들이 많다. 전원주택이라고 하지만 적은 생활비와 주거비용으로 건강을 유지하면서 안정적으로 노후를 맞이하고 싶다는 작은 소망이 포함되어 있는 것이다.
전원주택을 위한 5000㎡부터 2,000㎡내외 토지매입을 위한 투자수요가 많아지고 있는데 사실 전원생활이라는 것이 결코 쉽지 않음을 대부분 알고 있다. 이미 많은 사람들이 수도권이나 지방에 토지매입을 하여 전원주택을 고급스럽게 짓고 생활전부를 옮겨갔다가 다시 서울, 도시로 돌아온 사례가 많기 때문이다. 일부는 전원카페나 펜션을 하면서 귀향과 사업이익이라는 일거양득 취하려다가 오히려 큰 손해를 본 경우도 많다.
노후를 위한 탈 도시 전원주택이나 부지마련은 이미 개발 완료된 집단 전원주택지를 선택할 수 도 있지만 개발 가능한 토지 즉 농지나 임야를 매입하여 개발행위 허가를 받아 주택지로 만든 후 전원주택을 짓는 방법도 있다. 실제로 개발 가능한 토지를 매입하여 전용허가를 받으면 그 과정이 조금 복잡하지만 그만큼 저렴하게 매입할 수 있고 텃밭과 대지로 비교적 넓은 토지를 마음속으로 그린 자신의 취향에 맞게 개발해 갈 수 있다.
토지매입을 위해 가장 중요한 것은 입지이다. 입지는 물리적인 거리보다는 공간개념인 시간거리가 중요하다. 교통수단의 발달로 도로가 넓어지면 시간거리는 물리적인 거리에 반비례하게 된다. 입지선택을 위해서는 얼마나 멀리 나가야 하는지? 어느 방향으로 가야 하는지? 강이 좋은지, 산이 좋은지? 매입 예산은 얼마인지? 토지면적은 얼마나 필요한지? 누가 살 것인지? 결정을 해야 한다.
전원주택지를 마련하려면 비교적 저렴한 농지나 임야를 구입하여야 하는데 건축행위가 가능한 용도지역 토지는 일반적으로 토지와 건축물의 바닥면적의 비율을 나타내는 건폐율이 일반적으로 20%이고 토지면적에 대한 건축가능면적의 비율인 용적율이 100%이므로 토지 330㎡이면 건축바닥 허가면적 66㎡이므로 토지매입면적이 500㎡는 되어야 텃밭과 주택지로서 적당하다.
건축을 위해서는 전용가능 여부는 물론 토지매입 후 대지로 개발행위 허가를 받기 위한 전용부담금, 토목비용, 진입로, 전기, 수도 인입비 등 전체적인 마스터 플랜이 필요하다.
농지나 임야의 매입도 쉬워지고 있다. 2011년 연접개발제도도 폐지되어 전원주택 개발이 쉬워졌고, 수도권 인근 지역 토지들에 대하여도 난개발과 투기금지를 위해 개발행위를 제한하던 토지거래허가지역과 그린벨트가 해제되었다. 정부의 정책도 포지티브제도에서 이제는 개발행위가 안되는 항목을 나열하여 나머지 항목은 개발 가능하게 하는 네거티브정책을 기조로 하려고 하고 있다.
더구나 개인의 부재지주에 대한 양도세중과도 폐지(유예)되어 토지 매입에 대한 부담이 없어져 이제는 더 쉽게 탈 도시 전원주택 마련이 가능해지고 있다.
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