전세사기 안당하는법God of location
These days, there is a lot of controversy in the real estate market over lease fraud. Recently, the villa king who owned about 1,100 villas died suddenly, and many leaseholders are suffering losses. A similar jeonse fraud case called the Three Mothers Incident occurred in the past.
As such, jeonse fraud cases continue to occur and the number of victims continues to increase. These days, it is very important to know and carefully review information that can help prevent lease fraud when signing a contract. Today, I will introduce you to how to avoid being scammed by jeonse.
First, check the market price of the leased property you wish to sign a contract with. If the property is much cheaper than the surrounding market price, you should be suspicious of the reason rather than making a good contract.
How to check real estate prices can be found at the link to the Ministry of Land, Infrastructure and Transport’s actual transaction price disclosure system.
▶Ministry of Land, Infrastructure and Transport Actual Transaction Price Disclosure System
If you decide to sign a lease contract, you must carefully check your identity by checking the landlord’s ID card before signing the contract. You may be reluctant to verify your identity, but this is the lessor’s right and you should be suspicious of lease fraud.
Next, you need to check through documents whether the landlord has any debt and whether it is an illegal building. This is a document that is generally issued when you go to a real estate office, but the contents that need to be checked for each document are as follows.
So far, we have looked into how to avoid getting scammed before signing a contract. After signing the contract, you must check the registration certificate to see if there is a priority right holder. If you are a junior rights holder, you may not be able to get your deposit back in full when the house is auctioned.
Next is receiving a confirmed date, which many people know these days. The confirmed date is a system that certifies the date of contract signed by the government and can be obtained from the court’s online registry office or community center. The reason you need to receive a confirmed date after signing a lease contract is because you have the right to get your lease deposit back first.
What you need to do along with receiving the confirmed date is to report your move-in. You can apply for a move-in report through the Government 24 website and app or at a community center, and it takes effect the next day after the report. Below is the Government 24 link.
▶Government 24 move-in report
Lastly, it is also important to sign up for jeonse insurance to prepare for the eventuality of not receiving the jeonse deposit. You can sign up for rental deposit conversion guarantee insurance from public institutions such as Korea Housing Finance Corporation (HF) and Housing and Urban Guarantee Corporation (HUG).
– HUG: http://www.khug.or.kr/index.jsp
– HG: https://www.hf.go.kr/ko/index.do
We looked at 7 ways to avoid getting scammed by renting a house, dividing them into before and after signing a lease. These days, interest rates for jeonse loans have risen, so many people seem to have a lot of concerns when signing a jeonse contract. As this is a cautious jeonse contract, we recommend that you carefully understand how to prevent jeonse fraud to avoid being scammed.
