전세사기 안당하는법These days, there are often people who are scammed around
When you sign a charter contract, you do not get scammed
Please tell me how to do a safe transaction.
hello. Kyung Hoon Koh is a licensed realtor/administrator. We will answer your questions. In order to avoid being scammed, it is important to check the following:
1. The difference between the sale price and the jeonse price must be within about 80%.
2. Wherever possible, deal directly with the owner.
3. If trading is carried out simultaneously, please review the difference in price (sales price – jeonse price).
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hello. Kang Tae-ho is a certified broker.
We will answer based on your question.
Charter scams are rampant these days.
We recommend that you review the 10 items below to minimize charter fraud.
1. Receive a copy of the registration certificate directly issued and check the contents (confirm the personal information of the landlord, the setting/seizure of the mortgage, etc.)
2. Verification of identification and signing a contract with the beneficial owner
3. Notification of move-in and receipt of confirmed date
4. Subscribe to deposit refund guarantee insurance
5. Licensed Realtor Status Inquiry (Inquiry in National Spatial Information Portal)
6. Do not sign a contract when the amount of mortgage is more than 20% of the sales price
7. Check the building ledger before signing the contract to see if there is any illegal change of use.
8. Be suspicious when requesting a move-in report or postponement of the fixed date (the landlord can set up a mortgage before the fixed date)
9. Check if the building is available even if the charter loan is not available
10. Be sure to check the sales price as well as the surrounding charter price (prevention of canned charter fraud)
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hello. Daeyoung Kwak is a certified realtor.
Charter scams are generally of two types.
There is a type that decides to cheat openly by changing the owner or rights, and a type where the real estate market inevitably deteriorates and the sales price is lower than the jeonse price, and the deposit cannot be returned.
For the former, if you confirm the owner through the register and ID card when signing the contract, and write a special agreement that there will be no change in registered rights such as change of owner or mortgage by the day of moving in, you can cope even if something happens.
The latter is a so-called tin can jeonse. If possible, do not sign a jeonse that is close to the sale price, and it is better to contract mainly for houses that can be covered by guarantee insurance.
Of course, if you consider the above, there may be a problem that the number of contract houses is significantly reduced, but at least charter fraud can be prevented to some extent.
Other than that, although it is rare, it is said that there are things in which the real estate agent receives a down payment from the middle and does not give it to the owner. This kind of thing is not common in the news. I think it would be more correct to see it as real estate fraud rather than charter fraud.
Anyway, since this happens, I hope you send all the money to the owner.
Also, when looking for a house through real estate, even if you go to see a house after seeing an advertisement, it is better to use real estate around the area.
Although there are many advertisements for real estate that is far away (more than 30 minutes by car), many of those real estate are so-called consulting real estate, and even if they are not, they are a bit inferior to neighboring real estate in terms of market price information.
If the answer was helpful, please recommend it ^^
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hello. Hong Seong-taek is a licensed broker.
1. You must accurately understand the surrounding market price and make a contract.
2. The condition that the jeonse price compared to the sales price based on the surrounding market price does not exceed 70-80%
3. Jeonse price + maximum amount of mortgage bond must not exceed 80%. (The lower the better, the better it is if there is no priority real right at all.)
4. Set up charter rights. It is recommended that you take a charter guarantee insurance.
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