전세사기 안당하는법These days, there are many people around me who are getting scammed by renting a house.
Avoid being scammed when signing a lease contract
Please tell me how to trade safely.
hello. I am Go Kyung-hoon, a licensed real estate agent/administrator. We’ll answer your questions. In order to avoid being scammed by jeonse, it is important to check the following.
1. The difference between the sale price and the lease price must be within approximately 80%.
2. If possible, deal directly with the owner.
3. If it is carried out simultaneously with the sale, please review the difference in price (sale price – lease price).
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hello. This is Taeho Kang, a licensed real estate agent.
We will answer based on your question.
These days, jeonse scams are rampant.
To minimize jeonse fraud, please review the 10 items below.
1. Receive a copy of the registration directly and be sure to check the contents (check the landlord’s personal information, mortgage setting/seizure, etc.)
2. Verify the authenticity of the ID card and meet the beneficial owner in person to sign a contract
3. Report move-in and receive confirmed date
4. Sign up for deposit return guarantee insurance
5. Check the status of a licensed real estate agent (search on the National Spatial Information Portal)
6. Do not enter into a contract if the mortgage amount exceeds 20% of the sale price.
7. Check the building register before signing a contract to see if there is an illegal change of use.
8. Be suspicious when requesting to postpone the move-in report or confirmed date (the landlord may set up a mortgage before the confirmed date)
9. Even if a jeonse loan is not available, check whether the building is eligible for a loan.
10. Be sure to check the sales price as well as the nearby jeonse price (prevent tin jeonse fraud)
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hello. This is Daeyoung Kwak, a licensed real estate agent.
There are generally two types of charter fraud.
There are types that decide to commit outright fraud by changing the ownership or rights, and there are types in which the deposit cannot be returned due to a reverse lease in which the real estate market inevitably deteriorates and the sale price becomes lower than the jeonse price.
For the former, if you carefully confirm the ownership through the register and ID card when signing the contract, and write a special contract that there will be no change in registered rights such as change of ownership or mortgage until the day of moving in, you can deal with it even if something happens.
The latter is the so-called tin lease, so if possible, it is best not to contract for a lease that is close to the sale price, and to focus on houses that can be covered by guarantee insurance.
Of course, if you consider the above, there will be a problem that the number of contract books will decrease significantly, but at least jeonse fraud can be prevented to some extent.
In addition, although it is rare, it is said that there are cases where a real estate agent collects down payment, etc. from an intermediary and does not give it to the owner. This kind of thing is something that only appears on the news and is not a common occurrence. Rather than a jeonse fraud, I think it would be more correct to view it as just a real estate fraud.
Anyway, this kind of thing happens, so please send all the money to the owner.
Also, when looking for a house through a real estate agent, it is a good idea to use real estate near the area, even if you go to see the house after seeing an advertisement.
Although there are many advertisements for real estate properties that are far away (more than 30 minutes away by car), many of those properties are operated as so-called consulting real estate properties, and even if they are not, they are somewhat inferior to nearby real estate properties in terms of providing information on market prices.
If the answer was helpful, please recommend it^^
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hello. This is Seongtaek Hong, a licensed real estate agent.
1. You must accurately understand the surrounding market price before signing a contract.
2. Condition that the jeonse price does not exceed 70-80% of the sale price based on the surrounding market price
3. The jeonse price + maximum mortgage bond amount must not exceed 80%. (The lower the value, the better, and it is better if there is no senior real right at all.)
4. Set up leasehold rights. It is recommended that you purchase rental insurance.
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