Tin charter victims to be given ‘preferential purchase rights to the lessee’… Expert “Best countermeasure, effectiveness questionable”

The government is pushing for a plan to give preferential purchase rights to tenants who have suffered damage from tin jeonse les at the time of a house auction and to support low interest loans, but it is noted that it is not effective. Attention is drawn to the fact that the correct pre-emptive approach of the current co-owner is not a way for the lessee to win a bid for a house for the desired amount, and it is a burden for victims to have to take out a new loan to buy a house they don’t want.

The government and the power of the people intend to process related bills to give preferential purchase rights to tenants in accordance with certain standards during the auction of damaged houses in the last plenary meeting of the extraordinary National Assembly in April scheduled for the 27th. It plans to provide low interest loans to help lessors secure follow-on financing when they win a home offer.

On the 21st, tenants who are victims of charter fraud consult in the ‘Visit Fraud Victim Support Consultation Bus’ operated at Juan Station Plaza in Michuhol-gu, Incheon. The ‘Visit Counseling Bus’ is being run in collaboration with local governments, the Ministry of Health and Welfare, and the Housing and Urban Guarantee Corporation’s (HUG) charter damage support center to prevent victims of charter fraud from using the existing support scheme without knowing it. . /news1

The preemptive right appears to be the right to preferentially buy a house that has been auctioned for the amount the lessee wants, but it is not the case under current law. A right of priority purchase, that is, a right to claim a priority purchase, means that if the villa is auctioned, the current tenant (victim) can make a priority purchase with the amount that someone else won at the auction.

For example, if a house worth 200 million won was once auctioned and the auction starts at 160 million won, it is not a structure where the lessee participates in the auction first and win the bid for the amount he wants, he won 160 million. . If someone else wins the auction for the house at 180 million won, even if the current tenant wants to buy it at 160 million won, they have no choice but to accept it at 180 million won.

For this reason, there may be cases where lessees participate in the auction and do not win the bid. This is because there is no other option if the successful bidder sets a lower bid price than other successful bidders.

The government also recognized this problem and took a card called ‘low interest loan assistance’ as a related countermeasure, but this also raises questions about its effectiveness in the market. There are many cases where most of the tenants have been damaged by taking out a loan for the initial deposit, and the reason for this is that they have to take out a loan to win an auction for a house they don’t want.

Mr A, who reported being a victim of charter fraud in an online community, said, “If you win a bid on a house you’re buying at auction, interest on the loan will be doubled, including the loan payment welfare and the auction cost loan It is a situation that has no choice but to be overwhelmed by the year,” he said.

An official from the real estate industry, who asked to remain anonymous, said, “There will be no other measures that can be presented as highly effective measures other than the method of tax support through a social contract.”

However, it is noted that efforts should be made for preventive measures in relation to charter can leases in the future. Go Joon-seok, CEO of JEDU Investment Advisory, said, “In the future, it is necessary to prevent a ‘tin house’ where the jeonse price reaches the selling price by introducing a ceiling on the jeonse deposit so that the jeonse price cannot get more than 50% of the purchase price.”