There probably isn't any other country that restricts loans like ours. Blaming rising real estate prices on loans?

Why is Seoul, where the impact of loans is minimal, rising the most? Even gap investment is restricted.
It's always blaming speculators and loans.
If we consider the median price in Seoul to be 2 billion won, you can barely get a 400 million won loan. Excluding communist countries, there probably isn't any other country in the world that restricts things this much.
And why is Seoul, where loans are hardest to get, rising the most?