전세사기 안당하는법story
If you are a victim of a jeonse scam, it is difficult to deal with it if you do not have knowledge about real estate (lease, sale, lease, lease contract, lease laws).
This is a very scary situation as you could lose most of your assets if this happens.
So, it is best and important to avoid falling victim to tin lease fraud. Today, we will look at representative cases of lease fraud, such as tin lease, and learn how to make a safe lease transaction.
Tin can rental fraud is a fraud method that accounts for most of the recent major rental fraud cases.
The problem is that it is a structure in which ordinary people have no choice but to be defrauded.
This is a method of hiding the landlord’s inability to return the deposit, such as setting up senior collateral or excessive debt, or intentionally raising the deposit more than the sale price and not returning the deposit after signing the lease.
Usually, you move into a tin house on a jeonse, monthly rent, or half-rent basis, and when you move out at the expiration of the rental contract, you have to get your rental deposit back.
At this time, if the landlord does not have the money to borrow money, the deposit may not be returned until a new tenant is found even after the contract period ends.
If this situation arises, you may suffer significant mental and material losses if you have to move your residential area due to marriage, job change, education, or college student living alone.
If a homeowner (lessor) purchases a house whose price has risen with a loan for the purpose of gap investment, but the house price falls below the purchase price, the tenant (lessee)’s deposit is refunded if the lessor does not have cash assets that can be borrowed immediately. This becomes difficult.
Therefore, the first thing you need to check before signing a real estate contract is to read the “registration document.”
Also, you must check the address of the house, the relationship between the landlord (owner), and the person who came to sign the contract on the day of the contract, and if there are no problems, check the debt relationship according to the product you wish to contract.
If there is anything wrong with any of the above, the safest and best way to avoid rental fraud is to never sign a contract for the item in question.
For reference, if you want to check a copy of the register, you can view and issue it at the “Korea Court Internet Registry Office.”
Republic of Korea Court Internet Registry Office
www.iros.go.kr
Please check the market price at the Ministry of Land, Infrastructure and Transport’s actual transaction price disclosure system, KB Real Estate, etc.
You need to check the surrounding market prices for similar conditions to the house you are looking at, and compare whether your deposit is high or low compared to the house price to determine whether it is a tin house.
Check the status of delinquency and mortgage (loan) on a certified copy of the register.
In order to protect your deposit, it is best not to sign a contract on a house with a large loan if possible.
Composition of a copy of the register
Tin lease scams often target newly built villas.
It is difficult to accurately determine the market price of newly built villas due to a lack of transaction cases, but they take advantage of this and encourage tenants to sign contracts with a lease price that is higher than the sale price.
If you are moving into a newly built villa, it is a good idea to prepare a safety protection device for your rental funds through rental return guarantee insurance.
What is lease return guarantee insurance?
This is a guarantee product in which the guarantee company is responsible for the return of the deposit that the lessor must return to the lessee at the end of the contract, and is one of the ways to reduce worries about non-return of the deposit and live a comfortable life.
A representative guarantee agency is the Housing and Urban Guarantee Corporation (HUG).
In line with the issue of tin-can lease fraud, the number of cases in which tenants are unable to properly receive their lease deposits back is increasing due to the reverse rent crisis caused by falling housing prices.
Jeonse has been preferred because it can reduce the burden of fixed expenses such as monthly rent, but people are experiencing great difficulty in securing housing due to high interest rates and the burden of transacting on monthly rent. Public rental housing that guarantees safety can be a great help. Seems to.
Recently, public rental housing has been attracting attention as an alternative to purchasing housing. Rental housing provided by public institutions such as LH and SH can be traded safely and is supplied at a lower price than the market price, so the burden of living is low.
In addition, depending on the target of supply, we supply various types of rental housing such as national rental and happy housing. Detailed subscription information by type can be found at LH Korea Land and Housing Corporation.
