[따져보니] Jeonse more expensive than the price of the house … What is the cause of “Kang Can Jeonse” and how to deal with it?

[앵커]
As a cold wind blows in the real estate market, the fear of “can jeonse” continues. I am unable to recover my deposit even after the contract expires. Journalist Jung, you say that a jeonse more expensive than a house is called a kanji jeonse, right? How do we know the signs?

[기자]
In general, if the ratio of Jeonse price to house price exceeds 80%, it is very likely that it is a Jeonse tin can.

[앵커]
In other words, if the jeonse rate is above 80%, you have to be careful: have you encountered any cases during coverage?

[기자]
Yes, Mr. A, who lived in a rented house in Geumcheon-gu, Seoul, did not receive his deposit back even after the contract expired. When I filed a lawsuit against the landlord, it was said that the difference between the house price and the jeonse price was only 10 million won. Also, the landlord didn’t have the option to return the money, so Mr. A eventually got the deposit back through an auction.

[앵커]
By the way, the 80-90% jeonse rate isn’t something that has never happened before, right?

[기자]
In fact, the tin can itself is not the problem. Buying a home with a small difference between the selling price and the Jeonse price is called an “investment gap”. However, during a real estate recession like these days, there may be more cases where the house price falls below Jeonse’s price and the money cannot be returned. According to the Housing and Urban Guarantee Corporation, a total of 108.9 billion won was not returned to the tenant in August alone.

[앵커]
The number of damage cases is said to be on the rise, so the government has released statistics by region.

[기자]
You are right. If you look at the statistics, the average jeonse rate for public and multi-family housing in the metropolitan area is over 80%. In Seoul, the average jeonse rate in Gangbuk-gu, Gangdong-gu, Gangseo-gu, Geumcheon-gu, has exceeded 80%, and in particular, in Deungchon-dong, Gangseo-gu, the jeonse rate is been 105% for the past three months. Guro-gu, Geumcheon-gu, Gangseo-gu, and Yangcheon-gu had the highest rates of non-refundable deposits.

[앵커]
Most importantly, how can I avoid tin charters?

[기자]
Referring to the statistics above, you should be careful when looking for a Jeonse home in an area with a high Jeonse rate and a guaranteed accident rate. You need to check the actual house price with the Ministry of Land, Infrastructure and Transportation or various real estate services to see if the Jeonse rate is appropriate. It is also important to check if the landlord has any tax arrears using the tourist tax or income tax. It is also necessary to check if a senior obligation exists by taking a certified copy of the register.

[앵커]
Oh, and the creditworthiness of the landlord is also important, but what if you’re already faced with a situation where you won’t get your deposit back?

[기자]
If you took out Jeonse Guarantee Insurance before half of the contract period expires, you can receive all or part of the deposit. If not, you will have no choice but to take legal action.

Jung-Sook Uhm Attorney
“The executive Whether it is a notarial deed of surety or a sentence (complaint to return the deposit), the procedures for collecting the property owned by the lessor …. “

After receiving the rating, you can apply for an auction and the winning bid rate is around 70-90% depending on the region.

[앵커]
In particular, tin can damage is concentrated in villas and multi-family homes where many ordinary people live, and a tougher response from the government appears to be needed. Reporter Jung Joon-young, I heard you right.

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