전세보증보험 가입조건From next month, as the mandatory registration of rental guarantee insurance for registered rental business operators is enforced, it seems that charter landlords are experiencing confusion.
Landlords who rent several houses on a charter basis must immediately bear the cost of insurance premiums. In order to meet the subscription conditions, there is also an appearance of inevitably switching to monthly rent.
◆ “Switch to monthly rent and pay insurance premiums”…Accelerating the transition to monthly rent due to the burden of mandatory subscription
According to the real estate industry on the 12th, before the implementation of the mandatory jeonse guarantee insurance subscription for registered rental business operators, lessors are trying to convert jeonse to monthly rent.
The compulsory purchase of jeonse guarantee insurance for registered rental business operators was included in last year’s July 10 Measures to protect tenants, and is based on the amendment to the Special Act on Private Rental Housing.
Since August 18, last year when the amendment took effect, mandatory subscription was applied to newly registered rental business operators, but a one-year grace period was given to existing registered rental business owners. After the 18th of the following month, it applies to all registered rental businesses. Violation of this is punishable by up to two years in prison and a fine of 20 million won.
As the burden of guarantee fees for landlords increases due to the mandatory insurance subscription, there is a movement to reduce the burden by turning the jeonse into a half-rent or monthly rent.
In the case of Jeonse Guarantee Insurance, the ratio of insurance premiums to be borne by the lessor and the lessee is 3:1, which places a heavy burden on the lessor. In particular, since rental companies often rent multiple houses, the burden of insurance premiums can reach millions of won.
Village C, Gwanak-gu, said, “If all the households renting a house have guarantee insurance, they have to pay more than 1 million won per month.”
There is an opinion that the mandatory subscription to jeonse guarantee insurance may be a burden on the lessee. The absolute amount is not large compared to the lessor, but in the case of tenants with small insurance premiums, this can also act as a burden.
◆ It is compulsory, but difficult subscription conditions?
In addition to the burden of insurance premiums, the purpose of meeting the conditions for subscribing to the jeonse guarantee insurance is also working for registered rental operators to turn the jeonse into a jeonse or monthly rent.
In order to subscribe to Jeonse Guarantee Insurance, the sum of the amount of senior receivables such as bank loans and the rental deposit must not exceed the house price. The housing price is multiplied by the official real estate price by the application rate, and the application rate is 120 to 170% depending on the type and price range of the house. 130% of apartments, multi-households, and townhouses worth less than 1.5 billion won, and 120% of those worth 1.5 billion won or more. On the other hand, for detached houses, a ratio of 150-170% is applied.
In order to meet the conditions, it is necessary to repay the loan amount early or lower the rental deposit, but the only option for landlords is to lower the deposit by converting the jeonse to the jeonse or monthly rent.
As a result, it is pointed out that the government only paid attention to the introduction of compulsory jeonse guarantee insurance, but lacked a review of problems that could occur during the actual introduction.
Seong Chang-yeop, head of the Korea Renters Housing Association, said, “There are many problems raised in the part where the guarantee insurance itself is not covered rather than the burden of insurance.”
Sim Gyo-eon, professor of real estate at Konkuk University, said, “If it is mandatory to sign up for guarantee insurance, the insurance premium will be passed on to the tenant in the form of a management fee.” Criticized.
As it also has a positive role in protecting tenants’ deposits, some say that measures to ease the burden on landlords should be reviewed.
Yoon Ji-hae, senior researcher at Real Estate 114, said, “There are parts in the market that need this system, such as tenant protection, but the problem is that the cost burden is excessively imposed on the lessor.” · We need a plan to adjust the tenant’s burden ratio,” he said.
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