hug 전세보증보험 가입방법In this post, we will explain everything about HUG rental guarantee insurance in detail.
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There are two main ways to apply for a rental deposit return guarantee through HUG: “In-person visit” or “Mobile application”. Please note that in the past, “HUG Internet Guarantee” was available for application on the HUG website, but has now been converted to “HUG Mobile Guarantee.”
1. You can apply by visiting a HUG branch or trusting bank.
2. You can apply through the mobile app below.
The warranty application deadline varies depending on whether the lease contract is new or renewed.
In short, regardless of whether you are new or renewing, you can sign up before half of the contract period has passed from the balance date. Then, even if you move in late, you will not have to miss the relevant date. However, we recommend that you sign a lease contract and sign up right away.
The target houses are most residential houses and are listed below.
One thing to keep in mind is that in the case of a residential officetel, the contract stating that the house will be used for residential purposes must be written in the main use section.
ㆍGuarantee limit: House price – Senior bonds
It is not possible to guarantee the entire deposit under the lease contract, but you can be guaranteed up to the price of the house minus the senior bonds. Senior receivables refer to the right to receive money before oneself, and include taxes, bank loans, or senior lease deposits.
The housing price calculation methods are summarized in the table below and are applied in order of application priority.
How to calculate housing price (apartment)
How to calculate housing price (other housing)
How to calculate housing price (using appraisal report)
In order to sign up for HUG rental guarantee insurance, you must meet the following conditions.
The deposit rate varies depending on the deposit amount, housing type, and debt ratio. Details can be found in the table below.
For simple comparison, remember that the highest guarantee rate at HUG is 0.154%.
The guarantee fee is calculated on a pro rata basis and the formula is calculated as follows:
HUG jeonse deposit return guarantee deposit rate
If you are included in the discounts below, you can receive a discount on the guarantee fee. (Additional documents required)
Conversely, if the senior bond amount exceeds 50% of the house price, a 10% surcharge is applied to the guarantee fee.
[Guarantee fee discount target and discount rate]
Eligible for HUG lease deposit insurance deposit discount
[Documents submitted for deposit discount]
Documents to be submitted for guarantee fee discount
The procedure proceeds through four steps as shown below.
The documents you need to prepare when applying for a guarantee are as follows, and only documents issued within one month from the date of applying for a guarantee can be accepted.
✅ Comparison of differences in rental guarantee insurance (HUG, HF, SGI)
✅ 4 main types of lease fraud
✅ Complete summary of HUG jeonse safe loan (qualification, cost, documents, landlord consent)
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