[Korea gimmingyeong financial newspaper reporter - it has attracted the interest financial instruments that can guarantee a return jeonsegeum grows a difficult concern "Tin charter" Getting back to the recent jeonsegeum. SGI, Seoul Guarantee 'jeonsegeum credit guarantee insurance "if the landlord does not return after the lease has expired, the charter gives the deposit to compensate the charter deposit.
If this product is the sum of the deposit and senior chartered charter set maximum amount, regardless of the scale deposits exceed the estimated market standing, it is possible to simultaneously join the senior set maximums surface is less than 60% of the estimated market value. The subscription is subject apartment houses, office building, as well as exclusive, multi-family, multi-family, detached, urban life, such as housing. The apartment is fully chartered deposit, other housing can be guaranteed to be returned in a maximum limit of 1 billion won.
However, the leased object to the garnishment, seizure, etc. If you set so impossible argument should contact the Seoul Guarantee SGI in advance. Premium rate of this product is that the annual base rate apartments 0.192%, 0.218% and other homes are open. Here it is possible to reduce much of the premium depending on the variety, such as the discount rate discount rate discount rate and bond transfer agreement in accordance with LTV ratios.
For example, apartment jeonsegeum and senior AUM totals less than 50% of the estimated market apartments and tenants will you pay the premium rates of 0.10752% in a year to meet the commitments accounts receivable discount rate applicable requirements. To receive the discount rate applied to the debt transfer agreement Report deukhago tenants moved into the final date of the lease must be entered into a receivables assignment agreement jeonsegeum return. In addition to accounts receivable also notice should reach the landlord. Bond proceeds are transferred notify SGI Seoul Guarantee specialized and affiliated agencies, so there is an additional cost burden.
In particular, the Financial Services Commission recently come through the first half Insurance Business Act notice is found jeonsegeum legislation would ensure credit insured to join the landlord in jeonsegeum ensure product subscription without credit insurance agreement is expected to significantly increase.
Jeonsegeum credit guarantee insurance can join the SGI Seoul Guarantee charter agreement during the same products available in branches or through counsel at the dealership, and 35 this year, especially since the second half of 2016 registered a real estate agent Insurance Agents discontinued.
Jeonsegeum guaranteed tenant signed up for credit insurance may be entitled to jeonsegeum not be returned if you do not receive a rent deposit returned despite no later than 30 days after termination of the lease agreement or termination. In this case, the tenant should be entitled to insurance brightness of rental housing landlord.
In addition, the lease agreement must notify the landlord refused to renew until the lease expires one months implied not renewed in accordance with the Tenancy Act. You can not receive updates that occurred after the implied with respect to renewal of the lease the landlord unreturned deposit compensation before the lease agreement to ensure jeonsegeum credit insurance issued by a prime contractor, because it should be entitled to join a separate insurance for renewal agreement.
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