WO2014058258A1

WO2014058258A1 - Method for sharing rent deposit to provide stable housing for middle class

Info

Publication number: WO2014058258A1
Application number: PCT/KR2013/009080
Authority: WO
Inventors: 김병천
Original assignee: 김늘; 김이야
Priority date: 2012-10-11
Filing date: 2013-10-11
Publication date: 2014-04-17
Also published as: KR101261226B1

Abstract

The present invention relates to a method for sharing rent deposit to provide stable housing for the middle class, which enables any citizen, regardless of credit evaluation, to take out a loan on a significant portion of a rent deposit at a low interest rate from a contracted financial company guaranteed by a national agency, and deposit the loaned amount in a rent deposit-guaranteed regular savings account with the contracted financial company, thereby guaranteeing the security of the rent deposit of a lessee. To this end, the present invention comprises: a first step of the lessee applying for a certificate, by accessing a guarantor, for a rent deposit agreed upon signing a lease with a landlord for renting all or a portion of a house or a building; a second step of the guarantor issuing the certificate with respect to all or a portion of the rent deposit for which the lessee has applied, and transmitting same to the contracted financial company having an agreement with the government or a specific agency; and a third step of the contracted financial company creating a loan equaling the amount of money guaranteed by the guarantor with the lessee as a debtor and depositing the loaned amount in the landlord's name into the rent deposit-guaranteed regular savings account.

Description

How to Share Rent Guarantees for Residential Stabilization

The present invention relates to a method of sharing a lease deposit for stabilizing residential housing, and more specifically, regardless of credit, a large portion of the lease deposit is loaned at a low interest rate from a convention financial institution under the guarantee of a national institution. The present invention relates to a method of sharing a lease deposit for stabilization of common people's housing, which can be secured by a deposit deposit-type regular deposit to a financial institution.

In addition, the present invention is to share the lease deposit for the stabilization of residential housing for the lessee to realize a low-interest secured mortgage loan secured by property security loans or lease-guaranteed security deposits secured buildings or houses from the agreement financial company It is about a method.

The concept of housing is shifting from ownership to residence and the demand for charters is growing due to changes in real estate policies and regulations. In addition, the demand for charter loans is increasing, but loan financial institutions are reluctant to secure charter loans until the maturity of the charter loans. After all, tenants who need money have a bad effect on government policies aimed at housing stability without getting loans. In particular, with the recent surge in charter deposits, tenants are burdened by raising a large number of charter deposits, moving to a rent-matched area, or switching to rent to continue living in their current home.

Accordingly, the National Housing Fund operates a loan for cheonsei for workers or the poor. At this time, users receive a credit guarantee from the Korea Financial Services Corporation and provide it to some financial institutions if they do not have collateral, and use the payment guarantee system to replace the collateral. It is required by law to preserve.

As a result, the loan interest rate is relatively small, but the number of users is increasing. However, only a few applicants are benefiting from the limited loan limit and the limited condition for issuing credit guarantees.

Meanwhile, some financial institutions also offer charter loans, but loans are made by credit loans rather than mortgages. In the end, the tenant who has no place to go is either turning to a low rent or paying a high yield bond market.

The charter is a form of customary property, especially building loans, uniquely developed in Korea, which is not found in foreign legislation. In other words, when the lease ends, the tenant is returned the rent due to the payment of the rent and the use and profit of other's real estate according to the purpose. The interest rate of the rent is offset against the chime, so the charter is different from the ordinary lease.

The renter's rent paid to the landlord is a kind of leasehold right that has a kind of bond property unless otherwise registered. Rents from leases are often a deposit, a kind of bond.

Bonds are equally protected regardless of the post-war period, and the registered charter right is a physical right, and the rights before and after establishment are independently guaranteed. Therefore, bonds and registered charter rights are different. Therefore, in the case of creditor lease rights, the Housing Lease Protection Act, a special law of the Civil Code, was enacted to protect it and must meet certain requirements so that it can be opposed to third parties.

In other words, the chartered renter and the chartered tenant result in the security of the target property by the charter, but in order for the security system to properly serve as a security right, it must have the property of a property right. However, the conventional charter system developed by conventional customs is nothing more than a bond charter that has no property rights. After all, bond charter is inevitably regulated by the lease provisions of the civil law, and the Housing Lease Protection Act is enacted and implemented as a special social policy legislation to protect the economically weak.

In the past, various methods have been researched and developed to protect tenants' deposits or rights and reduce the burden on tenants. When financial institutions, such as banks, lend charter deposits and lease deposits, asset management companies (AMC) The 'chartered deposit and secured mortgage loan management method', which is managed by the Korea Asset Management Corporation, etc. after the purchase of principal loans and the like, and managed by bad debts if the reason arises. 10-2011-0073406.

However, the prior art as described above has a problem that there is no charter or lease deposit measures for low-credit tenants.

Therefore, an object of the present invention is to overcome the limitations of the prior art as described above, so that the general public can secure stable living space at a minimum cost.

In other words, the present invention has an object of improving the existing charter and rental housing system that increases the financial burden and the economic burden of the lessees, so that everyone can secure a living space at a minimum cost regardless of the creditworthiness.

It is also an object of the present invention to provide a loan to a low-credit borrower who cannot normally receive a loan through a financial institution, but to prevent the state from taking the risk.

In order to achieve the above object of the present invention, a method of sharing a lease deposit for stabilizing residential housing according to the present invention includes a tenancy contract with a landlord for lease for a part or all of a house or a building by accessing a guarantee institution. A first step of applying for a guarantee for the promised lease deposit; A second step of the guarantee institution issuing a guarantee certificate for a part or all of the lease deposit requested by the lessee and transmitting it to a contract financial company that has entered into an agreement with a state or a predetermined institution; And a third step in which the Convention Financial Company makes a loan equivalent to the amount of the deposit guaranteed by the guarantee institution, using the tenant as a debtor, and deposits the loan in the name of the tenant as a lease deposit guaranteed type of deposit. do.

The down payment for some or all of the houses or buildings may be set by one of the amounts in the lease, the quotes collected from a notified public institution, the Ministry of Land, Infrastructure and Home Affairs price, and the transaction price at the authorized brokerage office or the government office. .

The amount of deposit by the guarantee institution is the remaining amount of the contract amount paid by the lessee to the landlord at the time of the lease.

The deposit amount by the guarantee institution is characterized in that 90% of the contract amount when the rental contract for a part or all of the house or building.

The amount of the deposit by the guarantee institution is also applied to an increase generated every time the tenant and the landlord renew their lease.

The landlord is characterized in that the rental housing company or individual.

The agreement financial company is characterized by depositing the interest on the lease deposit guaranteed type of deposit into the bank account of the landlord every period desired by the landlord.

The interest on the deposit guarantee type periodic deposit is characterized in that it is subject to tax exemption.

In another aspect, the present invention is the fourth step of the landlord to apply for a loan to the Convention Financial Institution as a security deposit for the house or building or the deposit guarantee type regular deposit; And a fifth step in which the Convention Financial Company makes an asset security loan or a security deposit loan to a landlord applying for the loan.

The loan amount is 80% of the price of a house or a building based on the market price collected by the notified public institution or the Ministry of Land, Infrastructure and Trade.

The loan amount is 60% of the property security loan for the house or building, based on the market price collected by the notified public institution or the real estate transaction price standard of the Ministry of Land, and the lease deposit guarantee type deposit. Deposit security loans are characterized in that 20%.

The loan for the deposit security loan is characterized in that it is prepared by issuing a securitized securities based on the interest income generated from the rental deposit guaranteed type of deposit.

The loan interest on the loans borrowed by the landlord from the Convention Financial Company is the same amount as the interest on the deposit guarantee-type periodic deposit or the amount of the handling fee added to the interest on the deposit guarantee-type periodic deposit.

Therefore, according to the present invention, the present invention loans a substantial portion of the lease deposits from the contracted finance company at a low interest rate with the guarantee of the state institution, deposits it with the contracted deposit guarantee-type periodic deposit and pays interest, or the landlord makes an agreement. A low interest rate can be realized from a financial institution with an asset-secured loan that secures a building or a house, or a security-secured loan secured by a regular deposit guarantee-type deposit. While guaranteeing profits, it is effective to secure tenant's lease deposit.

In particular, the present invention has the effect of reducing the burden on the lessee from the lease lease so that the tenant can be loaned from the agreement financial company even the increase of the lease down payment soaring at the end of the lease period.

In addition, the present invention loans a lease (rental) deposit to a lessee who cannot receive a loan from a financial institution due to low credit, and deposits the risk into a lease-guaranteed deposit. It is effective to borrow a deposit.

Figure 1 is a schematic diagram showing a system for sharing a lease deposit for housing stability in accordance with the present invention.

FIG. 2 is a flowchart illustrating a process of sharing a lease deposit for the stability of common people by the system disclosed in FIG. 1.

The applicant will be described below in detail with reference to the preferred embodiment of the present invention.

Figure 1 is a schematic diagram showing a system for sharing a lease deposit for the stability of the common people housing according to the present invention.

As shown in Figure 1, the system for sharing the lease deposit for the stability of the common people's housing according to the present invention, the tenant terminal 10, the tenant terminal 20, the guarantee institution server 30, the agreement financial company server 40 ), Which are connected to the Internet network or other communication network capable of real-time communication.

The tenant terminal 10 (hereinafter referred to as the "tenant") is connected to the tenant terminal 20 to set up a lease (or lease) lease for all or part of the building or house, and the assurance agency server 30 It is a terminal such as a smartphone or a PC held by the tenant to apply for the guarantee of the lease deposit in accordance with the lease, and to open the bankbook on the loan of the lease deposit by accessing the agreement financial company server 40.

The tenant terminal 20 (hereinafter referred to as 'lease') is connected to the tenant terminal 10 to set up a lease contract for all or part of the building or house, and access to the agreement financial company server 40 for lease Open a deposit guarantee type deposit account and open an account to receive interest under the lease guarantee type deposit or apply for a security deposit loan or an asset security loan for a building or a house as collateral for the deposit guarantee type deposit. It is a terminal such as a smartphone or a PC held by the lessor.

Of course, the tenant and the landlord can set up a lease (or lease) lease for all or part of the building or house offline, as in a normal lease.

The assurance agency server 30 (hereinafter referred to as a 'guarantee institution') is a server 30 of an institution certified by a country such as the Korea Housing Guarantee or Housing Finance Corporation, etc., and enter into an agreement with a financial company on behalf of the state. This guarantees some or all of the tenant's lease deposits.

That is, when the tenant applies for a guarantee for the lease deposit in accordance with the lease with the landlord, the guarantee institution issues a guarantee certificate and transmits it to the contract finance company server 40.

The agreement financial company server 40 (hereinafter referred to as 'contract financial company') is a financial institution such as Kookmin Bank, etc., enters into an agreement with a guarantee institution and lends a lease deposit to the tenant based on the guarantee of the guarantee institution. Deposit the loan in the name of the landlord as a deposit guarantee-type periodic deposit and then pay interest to the landlord or deposit a security-guaranteed mortgage that guarantees the term-guaranteed-type deposit in the case of a landlord's application for a loan or an asset-secured mortgage for a building or house Loan is a role.

First, a tenant and a landlord who is an individual or rental housing company prepare a lease contract for renting part or all of a house or building online, that is, according to a program arbitrarily set in a tenant's terminal or a landlord's terminal or a separate brokerage server. (S11). Of course, as mentioned above, the tenant and the landlord can draw off the lease for the rental of part or all of the house or building, as in the conventional method, offline.

Here, the tenant and the landlord shall enter the contents of the house or building for the lease, the personal information of the tenant and the landlord (name, address, social security number, telephone number, etc.), lease period, lease deposit (and rent if necessary), In the case of tenants and landlords, or other authorized agents, the information about the authorized agents should be included in the lease.

The lease deposit, ie the lease deposit, for a part or all of the house or building shall be the amount stated in the lease, the quotes collected by a notified public institution such as Kookmin Bank, the Ministry of Land, Infrastructure and Trade, or the value of the transaction in the real estate agency office or the government office. Etc., can be set. This is to prevent the tenant from applying to guarantee the excess amount as a security deposit.

If a tenant who has entered into a lease with the landlord as described above has applied for the issuance of a guarantee for the lease promised at the time of the lease, the insurer shall remit all or less of the lease deposit regardless of the tenant's credit rating. Issuance of a guarantee for a part is sent to the agreement financial company (S13) (S14).

In this case, the guarantee amount guaranteed by the assurer may be the remaining amount of the contract paid by the lessee to the landlord during the lease. In other words, it guarantees a certain amount (90%) of the tenant's lease deposits without guaranteeing the total amount of the lease deposit.

For example, 10% of the lease deposit is paid by the tenant, and the remaining 90% of the lease deposit may be treated as a loan through the guarantee of the guarantee institution according to the present invention.

Therefore, the lessee can live in a building or a house without paying a mere amount of money, in order to lease a building or a house regardless of the credit rating, by paying only interest on the lease deposit loaned from the contract financial institution under the guarantee of the guarantee institution.

The amount guaranteed by the guarantor can be applied to the increase that occurs each time the tenant renews the lease, as well as the initial lease for the new building or house. The description thereof will be omitted below.

Based on the guarantee of the guarantee institution, the Convention Financial Company raises a loan corresponding to the lease deposit in the name of the tenant and deposits the loan in the lease guarantee type deposit in the name of the tenant (S15).

In addition, the contract financial institution checks whether the landlord has applied for a loan with a security deposit on a regular deposit (S16).

As a result of the check in step S16 above, if there is no separate applicant for loans, the agreement financial institution deposits interest (S17) to the landlord's bank account for the deposit guarantee-type periodic deposits whenever the landlord desires.

At this time, interest on rent deposit guarantee-type deposits can be tax-exempt to preserve the landlord's economic losses.

However, as a result of the check in step S16 above, if the landlord applies for a loan with a mortgage for a house or a building or a security deposit guarantee-type deposit, the financial institution provides a loan for asset security or deposit security in the name of the landlord (S18). .

At this time, the total amount of loans loaned to the landlord may be limited according to the price of the house or building according to the market price collected by a notified public institution or the Ministry of Land, Infrastructure and Transport. Nevertheless, since the landlord can receive a deposit security loan for the guarantee of a security deposit, in addition to the loan based on the mortgage, the loan amount is higher than the amount that the home or building owner can borrow from the financial sector by mortgage for the house or building. There is this.

For example, the total amount of loans owed to landlords is based on the prices quoted by a notified public institution or the Ministry of Land, Infrastructure and Home Affairs. Deposit security loans secured by lease-guaranteed deposits can be up to 20%.

Here, the loan for deposit security loan can be prepared by issuing securitized securities based on the interest income generated from the lease deposit guarantee type deposit.

As mentioned above, the interest on loans for property security loans and deposit security loans executed by the Convention Financial Company against landlords is equal to the interest on lease-guaranteed deposits, or the handling fee is added to the interest on lease-guaranteed deposits. The amount of money can minimize the tenant's economic burden while minimizing the tenant's economic burden.

10: tenant terminal 20: tenant terminal

30: guarantee institution server 40: agreement financial company server

Claims

The tenant and the tenant prepare a lease contract for the lease of a part or all of the house or building according to a program arbitrarily set in the tenant's or the tenant's terminal or a separate intermediary server, and the tenant who concludes the lease with the tenant guarantees A first step of accessing an institution and requesting a guarantee for a lease deposit and opening a loan account for a lease deposit by accessing a server of a contract financial company in which the tenant has entered into an agreement with a state or a predetermined institution;

The landlord connects to the server of the Convention Financial Company, establishes a deposit guarantee-type periodic deposit account, and optionally applies for a security deposit loan or a property-secured loan secured by buildings and houses as collateral. A second step of doing;

Regardless of the tenant's credit rating result, the guarantee institution shall be based on the amount of any one of the amount in the lease, the price collected by a notified public institution, the actual transaction price standard of the Ministry of Land, Infrastructure, and Home Affairs, or the transaction price in the office. A third step in which the tenant issues a guarantee for the remaining amount of the contract amount paid to the landlord and transmits the guarantee to the contract financial company;

Wherein the Convention financial company loans the loan equivalent to the amount of the deposit guaranteed by the guarantee institution to the loan bank account of the tenant, and deposits the loan as a lease guarantee type deposit in the name of the tenant. The fourth step;

The fifth step of confirming whether the landlord applies for the deposit secured loan or the asset secured loan; And

If the landlord applies for a loan as a result of the verification, the sixth step of lending the security loan or the security deposit loan in the name of the landlord;

How to share the lease deposit for residential stability, comprising the.
The method of claim 1,

The amount of the deposit by the guarantee institution is also applied to the increase that occurs every time the tenant and the landlord renews the lease contract.
The method of claim 1,

The loan for the security deposit loan, the method of sharing a lease deposit for the stability of the common people, characterized in that is prepared by issuing a securitized securities based on the interest income generated from the lease deposit guarantee type deposit.