신탁원부 인터넷 발급2020. 10. 20. 12:09
What is real estate trust registration?
Trust registration refers to allowing another person to manage or dispose of specific property rights under the Trust Act for the benefit of a specific person or for a specific purpose. In this case, the trust of the property right to be registered must be registered before it can be used against a third party, and the registration at this time is called trust registration. (Related laws are stipulated in Article 81 of the Real Estate Registration Act)
Types of trust registration
_ Collateral trust, management trust, disposal trust, development trust
What is a collateral trust?
It is one of the products provided by real estate trust companies as an alternative to mortgages.
A person seeking a loan transfers ownership to a real estate trust company for the purpose of providing collateral, obtains a collateral trust deed, and provides it to a financial institution to use it as collateral. Although there are differences depending on the period, it is cheaper than the cost of establishing a conventional mortgage.
In addition, in the event of bankruptcy, it has the advantage of being able to replace the conversion and transfer the receivables through the transfer of the trust deed.
What is a management trust?
It is a banking service that receives property entrusted from a trustor and manages it.
Depending on the type of property entrusted, it is classified into real estate management trust / securities management trust. A real estate management trust entrusts land and buildings and carries out tasks such as collecting rent, paying taxes, and making repairs.
The securities management trust handles the collection of principal and interest and dividends and the custody of securities.
[Example of register copy of building entrusted with management trust]
As can be seen from the part of the register attached above, this building is managed by Woori Bank. [Nominee] is listed as Woori Bank Co., Ltd. (trustee). The actual owner is separate, and a trust ledger (form attached when applying for trust registration) exists between both parties. In this trust ledger, the scope of work of the trustee is described in detail.
Therefore, when entering into a lease contract for real estate registered as a trust as above, you must check the trust ledger. Usually, the title holder in the register is Woori Bank, the trustee, but the lease contract is concluded with the actual owner. To determine which holder will write the lease agreement, please check the contents of the trust ledger [“Part of management” _ Lease agreement management act].
So, I told you that when signing a management trust real estate lease contract, you need to check the trust ledger. How can you check this trust ledger?
Of course, if you ask the landlord, they will provide you with a copy. If this process is inconvenient, you can obtain a trust ledger directly.
Trust ledger issuance method
1. Court Registration Department
_ Visit the court registration department and apply by checking or filling out the trust register among the options on the application for issuance of a real estate registration certificate and entering your address. Applications may vary by region.
2. Internet Trust Register electronic civil service service
_ You can simply apply for issuance online without having to visit the court registration department.
Visit the Internet Trust Register’s electronic civil service service,
Documents related to real estate registration ledger -> Enter applicant information -> Select trust ledger, enter address of real estate you wish to receive -> Select delivery method (fax, email, mail, etc.) -> Enter additional options (email, purpose of issuance, cancellation status) etc)
Once you have entered all the information related to the document application as above, you can proceed with the fee and payment, and read and confirm the Terms of Use/Privacy Policy, etc. (Including the issuance fee and stamp fee, it came out to about 10,800 won.)
Usually, it takes about 5 to 30 minutes to fax/email/read. (It will be faster if you apply urgently) If you apply by mail or courier, it is expected to be delivered the same day to 2 days depending on the application method.
For information on how to issue a trust ledger online, please visit the above site and check for yourself.
The above blog content is for reference only.
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