is a friendly economy time.
Today (23rd), I will be with reporter Kwon Ae-ri.
Recently, there seems to be a lot of articles about the villa king charter scam.
But besides this charter scam, I heard that there are things to be careful about due to reverse charter tax?
I heard that a lot of such phenomena are appearing now?
The exact opposite situation from when house prices continued to rise is emerging one after another these days.
I have to move out, but my landlord won't return my deposit.
There is no one who wants to pay the amount of deposit I have left and come in, but the landlord is unable to find money elsewhere.
And they don't return the deposit.
There is a charter guarantee insurance sold by the Housing City Guarantee Corporation HUG.
It has been 9 years since this product was released, and until this summer, the number of cases in which HUG returned the deposit to guarantee insurance subscribers instead of the landlord had never exceeded 300 cases per month.
However, if you look at it from last August, when the decline in house prices began to become clear, the 300, 400, 500, and 600 cases are really increasing like this every month.
This means that the number of landlords who cannot return the deposit is rapidly increasing.
After all, it is a problem that occurs when the rental price drops.
By the way, I heard that the jeonse price is expected to fall further, but the Bank of Korea has issued a forecast regarding the reverse jeonse?
From last month, even monthly rental horses turned to a downward trend.
Everything is going down in the residential real estate market right now.
So, the Bank of Korea estimated how many landlords will have difficulty returning the deposit if the jeonse price continues to fall.
If the jeonse price drops by 10%, 65 out of 100 houses rented in Korea are okay.
However, for about 11 houses, I saw that the landlord had to pay the debt.
And 3.7% of the remaining 4 houses out of 100 houses predicted that it would be difficult to fully return the deposit even if the landlord pays debts.
If the jeonse price falls by 20%, I saw that this ratio could rise up to 6.4%.
Overall, there are not so many rental houses that need to worry about reverse jeonse tax to cause financial confusion.
However, the Bank of Korea's assessment is that vigilance is a necessary situation.
There is no need to be overly ahead and anxious, but there is one catch here.
Doing research like this takes a lot of time.
So the standard is often in the past much more than now.
The size of debt and assets of landlords, which the Bank of Korea used as a standard for sampling for this report, was as of March last year.
1 year and 9 months ago.
And the amount of principal and interest that landlords are repaying each month is based on two years ago in 2020.
But it was after that that the real estate bubble we are worried about really got worse.
Since the second half of 2020, in the meantime, the jeonse price has soared terribly, and if you made a gap investment believing that the soaring jeonse price will continue, there are not a few cases where you have received a so-called 'eternal' loan as much as you can.
The scale of 3.7 and 6.4% of the total rental houses estimated by the Bank of Korea, which is likely to cause a reverse jeonse deposit accident, is actually not small, but this is also an estimate that has not yet been reflected after the real bubble.
The data from the Bank of Korea, that is, the data that is the basis for the analysis, is the data from about two years ago.
(There is a time difference.) Then, in the end, we cannot rule out the possibility that the reality could be worse than the Bank of Korea predicted.
So, in this situation, shouldn't we make a global contract anyway?
In this situation, what should I pay attention to when signing a charter contract?
Even if it's not a scam, to avoid reverse taxation that can happen depending on market conditions, in fact, everyone knows, but there are things that are easy to ignore if you like the house when you get the rent.
It is better to avoid houses with too high sales and charter prices.
In particular, in areas where large-scale sales with a large number of occupants are planned, you really need to carefully check the jeonse rate before acquiring a house.
But already got three.
Then, it is worth considering even now to take a charter guarantee insurance.
You can sign up with half of your charter period remaining.
Although a loophole in the charter guarantee was recently exposed in the case of the villa king charter fraud, in general, the difference between having and not having a guarantee insurance is really big when you are in a reverse charter situation.
And if you have already taken out a guarantee insurance, try to find another house and move out.
Then you must inform the landlord that you are not renewing the contract two months before the end of the contract.
There must be a record of communication with the landlord, even by text.
If you pass the two months before the expiration date of the contract, it will be seen as an intention to continue living, so even if the landlord fails to return the deposit, you cannot apply for "Please pay my deposit first to the guarantee insurance side."
You must get the money and go out.
Then don't forget this deadline.