전세보증보험 가입조건coalition. For multi-household houses, so-called villas, guarantee insurance can be purchased only when the value is less than 81% of the assessed value.
Published price application rate when calculating housing price
It was 150% until last year
140% applied from this year
From May, you can sign up for guarantee insurance only up to 126% of the published price.
(Public price application rate 140%* Jeonse tax rate 90%)
For example
Let’s assume that a villa with an official price of 200 million won last year fell to 180 million won this year.
-In the past, up to 150% of the published price is possible
200 million * 150% = Up to 300 million won Guarantee insurance subscription requirements
– 126% of the changed published price
180 million won *126% = Up to 226.8 million won Guarantee insurance subscription condition.
This means that the upper limit of the insurance policy has been lowered.
In addition, the appraisal, which was applied as the top priority when calculating the housing price, is evaluated as the second priority.
The appraisal validity period is also shortened from 6 months to 3 months.
If the landlord changes or goes to auction, the right to live in the house is the counterforce until the deposit is received.
If you sign a lease and move in on the day you move in and occupancy, that is, if you live in the house, you will be equipped with resistance.
And if you receive a fixed date, you will have a priority payment right.
However, if these basic conditions are not met, you may not be able to return the jeonse guarantee insurance, so you need to be careful.
If the landlord changes, you must sign a new contract with the new landlord. If not, it is said that there are cases where the contract itself with the landlord is not considered.
Even in the case of an implied renewal, the guarantor must be notified and a renewal application must be submitted to the guarantor one month prior to the expiration of the warranty.
In other posts, I have emphasized several times about precautions when contracting the world, but
I think you need to be overly cautious in order to protect your precious deposit.
We need to be aware of this once again.
1) If the jeonse price rate is too high or the seniority mortgage is excessive on the register, look for another house.
2) Be sure to report moving in and receive the definite date right on the day you move in.
3) Since it is difficult to check the market price of newly built villas, we check the market prices of several nearby villas and make a contract.
4) In the case of multi-family housing, even if there are several households, the majority of the owner is one, so the deposit for the jeonse is higher than the person himself.
Be sure to check this part out.
If there is a senior tenant other than yourself, you must check the related information, such as the transfer household reference number or the current status of granting a fixed date.
5) The landlord’s unpaid tax portion must be confirmed through an authorized real estate agent.
You can check it through the ‘Korean medicine’ app of certified brokers.
Above, we have summarized the changes to the charter guarantee insurance and the precautions for worldwide contracts.
Thanks for reading.
This is a good post to read together.↙↙↙
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