如何预防全租房欺诈：HUG保证保险与优先债务核查

Protecting your rental deposit in Korea requires mandatory due diligence before signing a lease. This guide covers how to check property debt and secure HUG Deposit Return Guarantee Insurance.

3-Step Safety Checklist Before Paying Deposit

• Obtain a Certified Property Registry (등기부등본) from the Internet Registry Office (iros.go.kr).
• Calculate Senior Debt Ratio: Mortgages + Senior Deposits must not exceed 80% of current market price.
• Verify landlord identity against the registered property owner ID card and bank account name.
• File Move-in Report (전입신고) and receive Fixed Date (확정일자) stamp on the day of move-in.
• Apply for HUG Guarantee Insurance (주택도시보증공사 반환보증) for 100% deposit protection.