"I meet all the loan requirements set by the government, but I can't sleep lately because I'm worried I won't be able to pay the balance due to the banks' total lending limits." This was a post left on the real estate public forum website by a person in their 20s who recently signed a contract for their first home ahead of their wedding. They explained that they chose to buy a home because rent was too expensive, but loans that were possible under previous policies have suddenly become unavailable, and banks are further tightening their lending. Ahead of the public debate on real estate presided over by President Lee Jae-myung on Thursday (July 23), an analysis of policy proposals submitted by the public shows that housing finance is the area receiving the most feedback. In particular, real-demand buyers in their 30s and 40s, including young people and newlyweds, have flooded the site with proposals, arguing that securing loans and paying the balance is more urgent than housing prices or supply. As of 11:00 a.m. today, a total of 3,017 policy proposals have been submitted to the real estate debate website. Proposals related to housing finance accounted for 1,307 cases, or 43.3% of the total, followed by 989 cases regarding housing supply and regulations, and 714 cases concerning real estate taxes. In the housing finance sector, there were continuous appeals from real-demand buyers who are at risk of losing their down payments because they cannot secure the remaining balance following the recent tightening of loan regulations. Specifically, first-time homebuyers, newlyweds, and single-home owner-occupiers have been demanding exceptions, stating, "I signed the contract trusting government policy, but the regulations changed," and "Please apply the existing rules based on the date the contract was signed." A person in their 30s who is buying their first home said, "The overwhelming emotion I felt on the day I paid the down payment has now turned into anxiety and fear that keeps me awake every night," adding, "Because the loan limit was reduced without notice after the contract was signed, the path to securing the balance has been blocked." They further lamented that they are at risk of losing tens of millions of won in down payments, which represents their entire life savings. Newlyweds also pointed out that the criteria for special loans do not reflect reality. They argue that the current special loans for newlyweds and newborns, which apply to homes valued at 900 million won or less, need to be updated, as many new apartments in the metropolitan area and even in regional metropolitan cities exceed this price. The government plans to discuss the opinions submitted during the public real estate debate and reflect them in the tax law amendments and follow-up real estate measures to be announced at the end of this month. Reported by Kim Minjeong | Video by Lee Ui-seon | Graphics by Lee Jeong-ju | Produced by SBS Digital News