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k11로또디비판매중개➡️~텔레SUPERADMAN@✔️

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작성자 호철 조회 7회 작성일 25-04-17 13:46

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k11로또디비판매중개➡️~텔레SUPERADMAN@✔️ 세입자 반환보증 가입-집주인 수수료 지급 시 면제소액임차보증금 이하-세입자 동의 시 가입 의무 없어임대사업자 임대보증 가입 관리 각 구청 담당렌트홈 홈페이지-집주인 임대사업자 여부 확인사진은 이날 서울 아파트 단지 모습. 2025.4.16.뉴스1 16일 기준 국토교통부 전세사기피해지원위원회가 인정한 전세사기 피해자는 2만8899명에 달합니다. 이처럼 전세 사기 우려가 여전하다 보니 보증금을 안전하게 돌려받으려는 방안에 대한 관심이 높아졌습니다. 이런 대안으로 주로 제시되는 것 중 하나가 보증금반환보증 제도입니다. 주로 세입자가 가입하는 상품으로 알려졌지만 그렇지 않은 경우도 있습니다. 집주인이 가입해야 하거나 세입자가 가입하는 대신 집주인이 보증 수수료를 지불하기도 합니다. 이번 주 부동산 빨간펜에서는 보증금반환보증 가운데 임대사업자에 관련된 부분을 알아보겠습니다.Q. 보증금반환보증은 어떤 제도인가요?“보증금반환보증은 전세 계약이 종료되었는데 집주인이 세입자에게 전세보증금을 돌려주지 않으면 주택도시보증공사(HUG)가 먼저 갚아주는 제도입니다. HUG는 향후 집주인에게 구상권을 청구해 세입자에게 지급한 보증금(대위변제액)을 회수합니다. 같은 반환 보증을 세입자가 가입하면 전세보증금반환보증(전세반환보증), 임대사업자가 가입하면 임대보증금보증(임대보증)이라고 합니다.임대사업자는 ‘민간임대주택에 관한 특별법’(민간임대주택법)에 따라 의무적으로 임대보증에 가입해야 합니다. 취득세 등 세제 혜택이 주어지는 만큼 세입자 주거를 보호해야 하는 의무도 함께 부여되기 때문입니다. 현행법에서는 임대보증 가입 수수료를 낼 때 임대사업자가 75%, 세입자가 25%를 부담하도록 하고 있습니다. 실무적으로는 임대사업자가 보증료 전액을 내고 이후 세입자 부담분을 임대료에 포함해 징수합니다. 해당 내용은 납부고지서에 기재됩니다.”Q. 전세 계약을 하러 갔는데 임대사업자인 집주인으로부터 전세반환보증에 가입해 달라는 요청을 받았습니다. 이유가 무엇인가요?“의무 가입 예외조항에 해당하기 때문입니다. 세입자가 전세반환보증에 가입하면 집주인이 임대보증에 가입하지 않아도 됩니다. 보증금 보호 차원에서 볼 때 세입자와 집주인이 보증을 중복으로 가입할 필요는 없겠죠. 이때는 집주인이 전세반환보증에 가입하는 데 드는 수수료를 세입자에게 대신 지급합니다. 따라서 집주인이 전세반환보증 수수료 전액을 지급했다면 불법이라고 볼 수 없습니다. 이와 관련한 특약 사항을 작성해 계약서에 담으면 됩니다.”Q. 집주인이 전세반환보증에 가입해달라고 요구하면 반드시

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