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leaping, and the use of renting out is also increasing significantly.

However, on the other hand, there are endless loan scams that abused the fact that information about moving in and moving out was not well shared with financial institutions.



Reporter Han Se-Hyun covered it.



<Reporter>



This is an apartment in Gyeonggi-do, bought by Mr. Kim for 280 million won.



I paid 70 million won as a down payment, and bought a house with the remaining 210 million won as the tenant's withdrawal from the household.



However, this tenant was also an accomplice who only lent his name.



The daily rate moved the tenants in two months after the execution of the relocation, making it a tenant-free home on paper.



The daily party took the house as collateral and received a loan of 140 million won from the bank and went into hiding.



The reason why I was able to get two loans from one house like this is because there is a loophole in the current transfer system.



When a tenant moves out, it appears that there is no tenant in the moving-in household verification center, etc., which the bank checks, and they are given a mortgage loan.



There are cases where people like this house get a pure tenant and go to sleep with even the rent.



It has also been confirmed that a fraudulent gang secretly transferred a pure tenant and then received a bank mortgage loan.



[Chang-Ho Choi/Attorney·Former Prosecutor: There is a case where the landlord moves the tenant without the tenant's knowledge.

The administrative agency checks (whether to move out), but there are times when it cannot be contacted. In this case, if the landlord stays in this house and receives another (housing mortgage) loan, it becomes very difficult for the tenant to receive the jeon tax.]



The'double loan' method of cheonsei fraud has only been confirmed in the last two years, amounting to KRW 15.1 billion.



[Moon Jung-bok/ Democratic Party Member (National Land Committee): (Big data analysis result) If a person who received a charter loan goes out in two or three months, it is highly likely that this is a fraud.

The Ministry of Public Administration and Security only needs to notify the Ministry of Land, Infrastructure and Transport and the Financial Services Commission of the list of people who have moved out in two or three months (to prevent crime).]



Frauds of this technique

have been occurring

in Busan, Incheon, Jeonbuk, and other places around the country since about 10 years ago. However, there is no improvement in the system, such as sharing information about transfer and entry.



(Video coverage: Choi Ho-jun and Kang Dong-cheol, video editing: Lee Seung-hee)