You’re anxious and worried because the news about charter fraud is constantly coming out, right? Then you’re in the right place. HUG 전세보증보험 가입
If you are currently living on a lease or want to sign a new lease house, please focus on the deposit for just three minutes.
Before signing a lease contract, you must first check whether the house is eligible for lease guarantee insurance and then proceed with the lease contract. However, most people are disadvantaged if they proceed with the contract without prior inspection of the house.
If so, let’s take a closer look at what the tenant needs to check and how to apply for charter guarantee insurance.
If you are busy, we will leave it for you to apply for lease guarantee insurance in advance, so please go here and apply for it easily.
Apply for Jeonse Guarantee Insurance 👈
What is Jeonse Guarantee Insurance?
Jeonse guarantee insurance refers to a guarantee product that is responsible for the return of a Jeonse deposit that the landlord must return to the tenant at the end of the Jeonse contract.
Of course, it is essential to subscribe to the lease guarantee insurance as the lease contract costs a lot of money, so I hope that everyone before the lease contract or who is planning to extend the lease contract will refer to the information below and protect your precious assets safely.
Conditions of Jeonse Guarantee Insurance
Confirmation of Jeonse Deposit and Senior Bonds
Jeonse guarantee insurance is only available for houses with the combined amount of Jeonse deposit and senior bonds within the housing price x mortgage recognition ratio (90%). Also, please refer to the following as an example of the case where the housing price is 100 million won.
KRW 95 million in lease deposit > Unable to join (guarantee limit KRW 90 million)
Jeonse deposit 90 million won > You can sign up (guarantee limit 90 million won)
KRW 40 million Jeonse deposit. Senior bond KRW 55 million > Unable to join
Confirmation of a certified copy of the register
There must be no infringement of the right to homeownership as of the guarantee issuance date (auction application, seizure, provisional disposition, provisional registration, etc.)
Senior bonds must be within 60% of the housing price (housing price = housing price * mortgage recognition ratio)
The building and the land (land area) of the house are all owned by the lessor
The certified copy of the register can be checked regardless of the landlord’s consent even before the lease contract, so we will leave it for you to check it easily below, so please check it.
Check a copy of the register 👈
Check the details of the moving-in household reading
As of the date of application for guarantee, you can subscribe to guarantee insurance only if there is no transfer details of other households, and the details that can be checked through the transfer household access statement are as follows.
Householder: Name and date of move-in
Member of household: Name of person who moved in earlier than the head of household, date of move-in
Name of housemate, date of move-in
Unlike the certified copy of the register, you can check the new transfer information after requesting the application, and we will leave it below so that you can check your qualifications.
Eligibility to apply for the moving-in household access details 👈
Criteria for calculating housing prices
The criteria for calculating housing prices are also very different for each type of housing, so please refer to the details below,
For apartments, officetels, and welfare housing for the elderly, KB market price and Korea Real Estate Agency real estate tech market price are the top priority. The lowest floor of the apartment and the lower limit of Jukyong officetel are subject to the lower limit.
In addition, row multi-family houses, single-family houses, and multi-family houses are calculated at 140% of the apartment price. Accordingly, you can check the declared value through the real estate declared value notification.
How to apply for Jeonse Guarantee Insurance
You can easily apply and submit documents online on your PC or mobile. Please prepare Jeju documents in advance and apply for membership. The basic submission documents will be left as follows.
Department of Land, Infrastructure and Transport’s electronic contract for lease on a fixed date (issued by: Certified Brokerage Office / Real estate electronic contract website of Ministry of Land, Infrastructure and Transport when preparing a lease contract online)
Confirmation of moving-in household (road name)
Moving-in household confirmation (number)
Receipt of deposit payment in full
A copy of the resident registration (issued by: can be issued by visiting the community center or on the Government 24 website)
In addition, the two documents, road name and lot number of the moving-in household confirmation form, can only be read by the applicant himself, so please visit the nearby community center and prepare the documents.
After preparing these five documents, you can sign up for guarantee insurance. You can submit the documents by taking a photo of your cell phone, and you can check the estimated guarantee fee in advance, so we’ll leave it for you to apply for lease guarantee insurance through the following, so please apply easily.