2030 Seoul The proportion of own funds compared to housing purchases is decreasing, and the proportion of external funds such as gifts, inheritances, and loans is increasing, so the possibility of private borrowing and illegal gifts is increasing, and apartments in Seoul's Songpa-gu and Gangnam-gu are showing up. Reporter Jaewon Moon The financing method of the 20s and 30s generation looking to buy their own home in Seoul is rapidly changing. While the proportion of money one has saved is decreasing, dependence on external funds such as gifts from parents or private borrowing is decreasing.