전세 사기의 원인 분석과 대안 탐색

Abstract

This paper focuses on reviewing cause and effect analysis of ‘Cheonse Fraud’ and alternatives. Cheonse, the unique rent contract in the world, is the leverage instrument of housing investment in Korea. Simultaneously, this rent type is cheaper than monthly rent owing to borrow low interest loans from financial institutions. Due to high housing sales price induced to boom from housing trade markets under the long-term low interest system, a Cheonse price had increased quickly since 2010’s. In this process, tenants has preferred to non-apartment Cheonse, because the rent of non-apartment rental housing is cheaper than that of apartment. Although the main rent contract type is monthly rent in non-apartment rental housing markets, landlords of Cheonse rental housing have the bargain power of this contract after housing price soaring recently. Under these circumstances, non-apartment rental housing tenants are exposed to ‘Cheonse Fraud’. However the government has accelerated these problems through residential welfare policies such as Cheonse loan and guarantee. In oder to solve these problems, the reasonable valuation of rental housing, even though sharing the information of rent contract and correcting existing residential welfare policies are needed, the basic concept of Cheonse should be reviewed as not a real right, but bond concept. Also, in order to prevent ‘Cheonse Fraud’ in new housing distributions, these distributions under 30 the number of house, must be regulated by required guarantee. Financing public residential rental REITs is to help ‘Cheonse Fraud’ victims recovered their Cheonse security deposit.