2026-09-28 · YN 상세페이지

Complete Guide to Precautions for Lease Agreements — From Procedures to Points of Caution

When it comes to lease agreements, there is a wealth of information available, but you may feel overwhelmed about where to start. This article focuses on the essentials of real estate and guides you in actual order.

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In real estate, one mistake can cost you millions, and sometimes your entire fortune.

Why Precautions in Lease Agreements are Important

In real estate, one mistake can cost you millions, and sometimes your entire fortune. Especially at the contract stage, confirming rights cannot be reversed later. Conversely, knowing just the basic procedures can prevent most accidents, making it the area with the highest return on investment for your studies.

Basic Knowledge to Know Before Starting

The key documents are the property registration certificate (Section A = Ownership, Section B = Mortgages, etc.) and the building ledger. You check the real owner in Section A and how much debt is recorded in Section B. If it's a lease, the percentage of 'my deposit + priority mortgage' in relation to the property value is crucial for safety. You need to secure possession rights (registration of residence + occupation) and priority repayment rights (certified date) to protect your deposit.

Check Property Registration Certificate Directly

You can view it instantly for a few hundred won at the online registration office. Instead of relying on what the agent shows you, obtain the latest version on the contract day yourself. Check if the owner in Section A matches the contracting party and if there are any mortgages or liens in Section B.

Market Value and Priority Debt Calculation

It is generally seen as a warning sign if the sum of the deposit and priority mortgage exceeds 70-80% of the market value. Check the actual transaction prices of the same complex and area on the Ministry of Land, Infrastructure and Transport's real transaction disclosure system.

Defend with Special Clauses in the Contract

Include special clauses like 'Prohibition of mortgage establishment until the final payment' and 'Contract cancellation and compensation in case of changes in rights.' The deposit must be sent to an account in the name of the registered owner.

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Immediate Registration and Certified Date

You must complete the residency registration and certified date on the moving day to gain possession and priority repayment rights. If you are late by even one day, you may fall behind in the ranking due to a mortgage established in the meantime. Also, consider signing up for lease deposit return insurance (HUG·SGI).

How Much Will It Cost?

Acquisition tax varies based on the property price, area, and number of properties owned, while the brokerage fee has a cap based on transaction amount brackets. Additionally, costs for legal professionals, moving, and commission fees will be added, so always include a buffer in your budget aside from the purchase price. It is safest to verify the exact tax rates through mock calculations on the W-Tax or Home Tax websites.

Common Traps Often Missed

Most lease accidents occur due to ① not checking the property registration on the contract day, ② overlooking the priority mortgage, ③ delaying residency registration and certified date, ④ transferring to an account not in the owner's name, ⑤ contracting on a 'trust registration' property without the trust company's consent. Always verify the reasons for properties that are excessively cheaper than the market price.

Long-term Beneficial Habits

Scan and keep copies of contracts, receipts, and property registration certificates. They serve as evidence in disputes. Additionally, notify your intention to renew clearly 6 months to 2 months before the contract expires to reduce conflicts. ※ This article is intended for general informational purposes, and systems, figures, and rates may change. Always verify the actual application standards through the official guidance of the relevant institution or expert consultation.

Lease Agreement Safety Check

Verification Item	Safe	Risk
Deposit + Priority / Market Value	Below 70%	Above 80%
Property Registration Check Timing	Latest on contract day	Only provided copy by the agent
Residency + Certified Date	On moving day	Delayed by a few days
Transfer Account	Registered owner's account	Third-party account

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전환율 기여75

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💡 TIP

Before the contract, obtain the property registration certificate twice on 'Contract Day and Final Payment Day.' There have been actual incidents of new mortgages being established before the final payment after the contract. It's the cheapest insurance to protect millions for just a few hundred won.

✅ 체크리스트

Obtained the property registration certificate directly on the day
Checked the market value with actual transaction prices
Calculated priority debts
Included defensive special clauses
Processed residency registration and certified date on the same day

📌 핵심 요약

The key points for precautions in lease agreements are ① Understanding basic concepts → ② Confirming your situation → ③ Making decisions after comparison → ④ Regular checks. Most lease accidents occur due to ① not checking the property registration on the contract day, ② overlooking the priority mortgage, ③ delaying residency registration and certified date, ④ transferring to an account not in the owner's name, ⑤ contracting on a 'trust registration' property without the trust company's consent. By simply adhering to the above checklist, you can avoid most losses.

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FAQ

Is it necessary to have lease deposit insurance?

It's not mandatory, but it's the most reliable way to protect your deposit. There are eligibility requirements (like priority ratios), so check the possibility of signing up before the contract.

Which comes first, the certified date or residency registration?

The principle is to process both on the moving day. Residency registration + occupation grants possession rights, while the certified date grants priority repayment rights.

Where can I obtain the property registration certificate?

You can obtain it instantly for a few hundred won at the internet registration office (iros.go.kr).