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Recurrence: 1102 times
Broadcast date: 2023.02.02
Duration: 02:47
Anchor Yoo Seon Choi>
In the future, only houses where the jeonse deposit is 90% or less of the house price can sign up for the jeonse deposit return guarantee insurance.
This is to prevent charter fraud by strengthening the conditions for signing up for guarantee insurance.
This is reporter Park Ji-sun.
Reporter Park Ji-sun>
Jeonse deposit insurance, in which the guarantor returns the deposit in case the landlord does not receive the deposit on time.
Currently, even if the jeonse deposit accounts for 100% of the house price, you can sign up for the guarantee insurance.
For this reason, charter fraud is prevalent in which tenants are reassured on the grounds that they can sign up for guarantee insurance, then sign a global contract at a high price and steal the deposit.
From now on, only houses where the jeonse deposit is 90% or less of the house price will be changed to be eligible for guarantee insurance.
If the jeonse rate is lowered to 90%, the government judges that it is difficult to buy a house for 300 million won and at the same time pay a 300 million won jeonse for a non-capital gap investment fraud method that takes away the deposit.
Transcript> Kyungho Choo / Deputy Prime Minister for Economy
“We will eradicate ‘investment in the gap without capital’ using deposits by strengthening the return guarantee system for deposits on deposits, such as blocking market price inflation.”
The new standard will be applied from May 1 of this year, and for tenants who have already purchased guaranty insurance and need to renew their guaranty, it will take effect from January next year.
In addition, in the future, a ‘one strike out’ system will be introduced in which the qualifications will be canceled even if the real estate agent participates in charter fraud and receives only a suspended sentence, and in the case of appraisers, the qualifications will be canceled even if they are sentenced to imprisonment only once.
Tenant support measures are strengthened.
Starting next month, the limit for low-interest loans for deposits will be expanded, and requirements will also be relaxed.
There are currently about 200 temporary shelters for victims who have lost their homes due to charter fraud, and more than 500 are expected to increase in the first half of the year, mainly in the metropolitan area.
Recording> Won Hee-ryong / Minister of Land, Infrastructure and Transport
“In case you have to move out or move out without receiving a refund of the deposit, we will secure public rental and maintain regular maintenance for this, so that we can move in immediately.”
The guarantee capacity of the Housing and Urban Guarantee Corporation (HUG), a guarantor, will also be strengthened.
We plan to increase capital through government investment and expand the scope of guarantees.
The target for guarantee fee discount is expanded to less than KRW 50 million in annual income, and the discount range is expanded to 60%.
In order to prevent cases in which some appraisal reports and landlords inflate the market price in the process of reviewing guarantee insurance, we decided to apply appraisal only when there is no published price and actual transaction price.
(Video coverage: Kim Tae-woo, Lim Joo-wan / Video editing: Kim Jong-seok)
This is Park Ji-sun from KTV.
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