전세보증보험 가입조건Terms and types of youth jeonse loans (2022)
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Charter contract renewal application period, summary of denials
Jeonse guarantee insurance is a guarantee product in which the lessor is responsible for the return of the jeonse deposit to the lessee at the end of the contract. Jeonse guarantee insurance is operated by public corporations related to housing finance. It is a product operated by Seoul Guarantee Insurance (SGI), Housing City Guarantee Corporation (HUG), and Korea Housing Finance Corporation (HF).
Types of Jeonse Guarantee Insurance and subscription period
The product name of the charter guarantee insurance is slightly different for each construction. However, the overall guarantee is the same. However, the subscription period, housing subject to subscription, and warranty limit are different for each product.
Eligibility for Jeonse Guarantee Insurance
The type of housing eligible for subscribing is slightly different for each guarantee construction. Basically, all three products are single, multi-family, townhouse, multi-household, residential officetel, and apartment. Here, SGI includes urban living housing, HUG includes senior welfare housing, and HF includes both urban living housing and senior welfare housing.
Residential officetels must be separately registered by a licensed real estate agent by marking them as residential in the main use of the contract. Also, neighborhood living facilities are not covered by the guarantee. Therefore, before signing the contract, you must understand the use of the building by reading the certified copy of the register and the building ledger.
Guarantee fee rate of Jeonse Guarantee Insurance, guarantee amount, and guarantee limit
The guarantee fee rate, guarantee amount, guarantee limit, and warranty period are different for each product. The guarantee fee rate is the lowest in HF, but the guaranteed amount is also small. In the case of SGI, there is no limit on the deposit amount for apartments. Therefore, you can choose the product to subscribe to according to the security amount of the house you are contracting with.
Even if you subscribe to Jeonse Guarantee Insurance, you cannot be guaranteed the return of your deposit if your senior bonds, senior guarantees, and mortgages are greater than the house price. Therefore, in the case of multi-housing, the amount of senior bonds is often greater than the house price, so it is said that jeonse guarantee insurance cannot be purchased.
Concept of senior debt
HUG Jeonse Guarantee Insurance is linked to Naver Real Estate and Kakao, so you can easily sign up for it online. Please refer to the post below for how to sign up for HUG Jeonse Guarantee Insurance through Kakao Pay.
How to apply for HUG Jeonse Guarantee Insurance (feat. Kakao Pay)
How to apply for HUG charter guarantee insurance (feat. Kakao Pay) Hello, this is Hyuk Park. Today, let’s look at the conditions and how to apply for ‘HUG Jeonse Guarantee Insurance’, which is a way to protect my precious deposit. < neck
twojobschool.co.kr
Please refer to the picture below for the procedure to sign up for HUG Jeonse Guarantee Insurance through the Naver Real Estate app.
How to sign up for Jeonse Guarantee Insurance
The documents required for signing up for Jeonse Guarantee Insurance are as follows.
