전세보증보험 가입조건Jeonse Guarantee Insurance-Process-Method
All tenants worry about what to do if the landlord does not return the deposit. A product to solve this problem is the Jeonse Guarantee Insurance. In other words, it is a system in which the guarantor institution pays the deposit in case the lessee does not receive the deposit money back from the lessor.
In Korea, three institutions (HUG Housing City Guarantee Corporation, SGI Seoul Guarantee, and HF Korea Housing Finance Corporation) handle jeonse guarantee insurance, and each agency has a slightly different name, but the guarantees are the same.
As last year’s ‘July 10 Measures’ included the compulsory subscription of charter guarantee insurance for registered rental businesses, mandatory subscription was applied to newly registered rental businesses after August 18 last year, but a one-year grace period was given to existing registered rental businesses. .
From August 18 of this year, after the one-year grace period, 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.
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.
There are ways to sign up for commercial banks, Korea Housing Guarantee Corporation branch/center, or online. Today, we will look at how to sign up for Jeonse Deposit Return Guarantee Insurance through Kakao Pay, which is easy to sign up for.
For reference, when signing up through Kakao Pay, you sign up through the HUG Housing City Guarantee Corporation guarantee institution, which is the most well-known of the three operating institutions.
If you sign up for warranty insurance through Kakao Pay, you can get an additional 3% discount, so there is no reason not to use Kakao Pay, which is convenient and offers discounts.
For reference, all documents must have been issued within the last one month from the date of application.
Kakao Pay – Jeonse Deposit – Return Guarantee – Apply
Run the Kakao Pay app > More > Click the charter insurance item > Click the Apply button.
Sign up for service – Agree to all
Agree to all service subscriptions > Confirm > Check items before signing up and check each item > Click the Self-Check button.
Applicant-Information-Input
Enter applicant information > Confirm > After entering your home address and lease agreement details, select the guarantee fee discount and submit the documents.
need-document-list
HUG-Housing City Guarantee Corporation-guarantee rate
Debt ratio = (Senior bond amount + Jeonse deposit) / House price
Please pay attention to this part as many people are refused to sign up for the return guarantee due to ‘exceeding the warranty limit’, which is a so-called ‘can house’.
There is a separate target for discounting the guarantee fee, which is shared in the table below. For details, please check the HUG Housing City Guarantee Corporation website link above.
HUG-Housing City Guarantee Corporation-guarantee fee-discount
HF-Korea Housing Finance Corporation-guarantee rate
SGI-Seoul Guarantee-Insurance Rate
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