A practical comparison sheet would help: same neighbourhood boundary, same property type, similar condition, initial asking price, each reduction, days to agreement, and completed price. Keep withdrawals in a separate column rather than treating them as failed sales. For the insurance theory...
I’d retain the financing point, but only as a tentative observation. Removing it entirely could hide a useful pattern. The better test is to split listings below and above that range, then compare inventory and time on market without implying that ₩752,100,000 is a hard threshold. Neighbourhood...
I’d keep furniture nearly at zero for the first month beyond essentials. Living in the space often changes what you think you need anyway. The stronger reason to wait, though, is that the first utility bills and maintenance needs will reveal your true monthly margin.