People living on a lease are worried that they won’t get their deposits back at the end of their contracts. House prices have been on the decline every day as the real estate market has stagnated, and there are even cheaper sales than lease on a deposit basis. Recently, as lease on a deposit basis fraud occurs frequently, tenants are increasingly unable to return their deposits on time even though their contracts have expired. To prevent such accidents in advance, many people are looking for Hug lease on a deposit basis insurance subscription conditions.HUG 전세보증보험 가입
First of all, this system compensates tenants for deposits that have not been returned from landlords even after the lease is terminated. If the landlord does not return the deposit in a timely manner, the Housing and Urban Guarantee Corporation will pay the deposit to the tenant once and charge the landlord later. If the lease contract period is less than half over for multi-family houses such as one-bedroom and two-room, and all residential buildings including villas, apartments, and officetels, you can use SME youth lease loan products. In the metropolitan area, such as Seoul and Gyeonggi-do, the deposit must be less than 700 million won, and in other areas, up to 500 million won can be protected. To receive these benefits, you must meet the conditions of signing up for Hug lease guarantee insurance.
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First of all, the owner of the land and the building must be the same person, and it starts with receiving a fixed date in the lease contract while notifying the transfer after moving. Seizure, seizure, auction application, prohibition of disposal, redemption registration, etc. that restrict the ownership of the house should not be established, and there should be no other household members other than the house owner who has been reported to move into the house. If a leasehold right is registered, you must cancel it or register a change to receive a loan.
Other additional requirements include a lease agreement that includes the signature or seal of a real estate agent. This product must have a minimum lease period of 12 months, and cannot be applied if you have already received a mortgage on the deposit or if you have sent a notice of transfer of bonds to the landlord. If you want to sign up for Hug Chonse Guarantee Insurance, you can apply through a bank where you can, with a copy of your resident registration, a copy of the contract, an ID account transfer statement, a deposit payment confirmation document, and a register of the details of moving-in households.
The guarantee fee is determined by the percentage of the housing price of the sum of the deposit amount, the type of house, the lease on a deposit basis, and the amount of senior bonds. Depending on the terms of the Hug lease on a deposit basis insurance subscription, it is common to start at least 0.115% per year and decide to be between 0.15% per year. In order to protect my property in the ever-changing real estate market and not to be subjected to various scams, it is urgent to come up with measures.
Therefore, in order to prepare for such a situation, it is important to compare insurance products in advance and make up the items that are suitable for you. It is possible to prevent jeonse fraud, which has recently emerged as a social problem, in advance