{"id":9427,"date":"2024-04-24T14:32:27","date_gmt":"2024-04-24T05:32:27","guid":{"rendered":"https:\/\/remaxkorea.co.kr\/?p=9427"},"modified":"2024-04-24T14:59:48","modified_gmt":"2024-04-24T05:59:48","slug":"%eb%b6%80%eb%8f%99%ec%82%b0%ec%83%81%ec%8b%9d3-2404","status":"publish","type":"post","link":"https:\/\/remaxkorea.co.kr\/en\/%eb%b6%80%eb%8f%99%ec%82%b0%ec%83%81%ec%8b%9d3-2404\/","title":{"rendered":"Real estate common sense: Prepare for the risk of real estate transaction accidents with a copy of the register without public trust and title insurance"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"9427\" class=\"elementor elementor-9427\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4eb0180 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4eb0180\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ced8e1f\" data-id=\"ced8e1f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-501733a elementor-widget elementor-widget-text-editor\" data-id=\"501733a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 28-02-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Real estate title insurance, first introduced in 2001, has been used primarily as a means of financial risk management, including as a means of guaranteeing the principal of a loan in the event of a loss due to a defect in real estate title during the collateral loan process and as a means of protecting investors through real estate securitization. <br \/>On the other hand, real estate title insurance for general consumers is an unfamiliar system with low public awareness, so there is still a long way to go in terms of public relations to establish and activate the system. <br \/>Recently, as transactional accidents such as jeonse fraud have become a social problem and consumers&#039; anxiety has increased, real estate title insurance for ownership is receiving new attention as an institutional safety device to prepare for transactional accident risks. <br \/>In light of the reality that the credibility of registration is not recognized, let&#039;s look at a recent case to see what significance title insurance has as a safety transaction device to prepare for the risk of real estate transaction accidents.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a706fc8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a706fc8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0328396\" data-id=\"0328396\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38c7333 elementor-widget elementor-widget-text-editor\" data-id=\"38c7333\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The court ordered me to return the land I bought with my own money ten years ago to the clan.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cfafbd3 elementor-widget elementor-widget-text-editor\" data-id=\"cfafbd3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Residents of a housing complex in Gwangju, Gyeonggi Province are said to be in danger of being evicted from their homes after losing a legal dispute over land ownership. This is an incident that was reported on SBS News on April 19 and 20, 2024. <br \/>A construction company that purchased land from a clan of the Gyeongju Kim clan in 2013 obtained a building permit for 48 houses and a daycare center in 2014, completed sales, and completed the transfer of ownership registration in 2015. <br \/>In 2021, more than six years after residents moved in, the clan filed a lawsuit against the residents of the housing complex, claiming that the land transaction was invalid and requesting the cancellation of the transfer of ownership registration. Recently, the court ruled that the land purchase contract initially signed between the construction company and the clan in 2013 and the subsequent registrations were all invalid. <\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1755302 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1755302\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b3f0a98\" data-id=\"b3f0a98\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c4b336c elementor-widget elementor-widget-text-editor\" data-id=\"c4b336c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Unreliable copy of register<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f5f027 elementor-widget elementor-widget-text-editor\" data-id=\"4f5f027\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The credibility of registration refers to the legal effect of registration that legally protects those who trust and transact with the contents of the registration even if the contents of the registration do not match the actual rights relationship. In short, it is to protect those who trust and transact with the registration first. <br \/>The register of real estate is the only public ledger that can confirm the rights relationship of real estate in Korea. However, since Korea does not recognize the credibility of the register of real estate, there is no institutional method to receive relief even if a transaction accident occurs due to a register of real estate that does not match the actual rights relationship and causes property damage. <br \/>If the credibility of the registration is recognized and the national compensation system for victims is well-established, even in the accident cases introduced above, homeowners will be protected by the law as good-faith third parties who trusted the registration and made transactions, so they will not have to worry about being kicked out of their homes and becoming penniless. <br \/>In Korea, since the 1950s when the Civil Code was enacted and promulgated, there have been consistent calls to grant credibility to copies of registers of real estate, but this has not been done yet.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3c8dca6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3c8dca6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fd32423\" data-id=\"fd32423\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e4785c4 elementor-widget elementor-widget-text-editor\" data-id=\"e4785c4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you are thinking about safe real estate transactions, title insurance is essential.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2816ca6 elementor-widget elementor-widget-text-editor\" data-id=\"2816ca6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Title insurance is a private institutional device designed in the United States to promote stability in real estate transactions. It is an insurance contract that compensates for economic losses suffered by the insured, such as the buyer (owner) or mortgagee, due to defects in real estate title. <br \/>Title insurance aims to \u201celiminate risk\u201d and \u201cprevent loss.\u201d The insurance company thoroughly investigates the defects in the title revealed in public records such as the register of real estate through a title investigation of the target real estate, thereby eliminating the risk of loss in advance. In addition, if a transaction accident occurs due to a defect in the title that is not revealed through the title investigation, the insurance company will act as a proxy for the insured to defend the ownership of the real estate and compensate for the final confirmed loss of the insured. <br \/>Currently, there are nine insurance companies selling title insurance products in Korea: Hana Insurance, Samsung Fire &amp; Marine Insurance, KB Insurance, Hyundai Marine &amp; Fire Insurance, Hanwha Insurance, DB Insurance, Nonghyup Insurance, MG Insurance, and First American (FA) Title Insurance.<br \/>There are four types of real estate title insurance sold domestically: \u201cmortgage\u201d, \u201crental loan\u201d, \u201cownership\u201d, and \u201clease\u201d. \u201cMortgage\u201d and \u201crental loan\u201d are so-called B2B products sold to financial institutions, while \u201cownership\u201d and \u201clease\u201d are B2C products targeting general consumers. <br \/>The two insurance companies that sell B2C products are Hana Insurance and First American Title Insurance, while all nine insurance companies handle B2B products. Hana Insurance\u2019s \u201cMy Home Real Estate Title Insurance\u201d provides a title insurance service that further enhances transaction safety by linking title insurance and electronic registration.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c7dcb2c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c7dcb2c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5a7a501\" data-id=\"5a7a501\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ff3e78c elementor-widget elementor-widget-image\" data-id=\"ff3e78c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 28-02-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"225\" src=\"https:\/\/remaxkorea.co.kr\/wp-content\/uploads\/2024\/04\/\ub9ac\uc5bc\uc544\uc774\ube0c\uc774-\ub85c\uace0_\uc138\ub85c-\ubcc0\ud658\ub428-300x225.png\" class=\"attachment-medium size-medium wp-image-9434\" alt=\"\" srcset=\"https:\/\/remaxkorea.co.kr\/wp-content\/uploads\/2024\/04\/\ub9ac\uc5bc\uc544\uc774\ube0c\uc774-\ub85c\uace0_\uc138\ub85c-\ubcc0\ud658\ub428-300x225.png 300w, https:\/\/remaxkorea.co.kr\/wp-content\/uploads\/2024\/04\/\ub9ac\uc5bc\uc544\uc774\ube0c\uc774-\ub85c\uace0_\uc138\ub85c-\ubcc0\ud658\ub428-1024x767.png 1024w, https:\/\/remaxkorea.co.kr\/wp-content\/uploads\/2024\/04\/\ub9ac\uc5bc\uc544\uc774\ube0c\uc774-\ub85c\uace0_\uc138\ub85c-\ubcc0\ud658\ub428-768x576.png 768w, https:\/\/remaxkorea.co.kr\/wp-content\/uploads\/2024\/04\/\ub9ac\uc5bc\uc544\uc774\ube0c\uc774-\ub85c\uace0_\uc138\ub85c-\ubcc0\ud658\ub428-16x12.png 16w, https:\/\/remaxkorea.co.kr\/wp-content\/uploads\/2024\/04\/\ub9ac\uc5bc\uc544\uc774\ube0c\uc774-\ub85c\uace0_\uc138\ub85c-\ubcc0\ud658\ub428.png 1441w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-49fd8bd\" data-id=\"49fd8bd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6267e7a elementor-widget elementor-widget-text-editor\" data-id=\"6267e7a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Real I.V. Co., Ltd. is a specialized company in rights investigation\/rights insurance. It is in charge of rights investigation work for major domestic non-life insurance companies such as Hana Insurance and DB Insurance, and is a specialized agency for Hana Insurance&#039;s &quot;My Home Real Estate Rights Insurance.&quot; Real I.V. Co., Ltd. 167 Songpa-daero, Songpa-gu, Seoul, A-dong 901-ho Munjeong-dong, Munjeong Station Terra Tower 02-3401-7272<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>\uc9c0\ub09c 2001\ub144\ub3c4\uc5d0 \ucc98\uc74c \ub3c4\uc785\ub41c \ubd80\ub3d9\uc0b0\uad8c\ub9ac\ubcf4\ud5d8\uc740 \ub2f4\ubcf4\ub300\ucd9c \uacfc\uc815\uc5d0\uc11c \ubd80\ub3d9\uc0b0\uc758 \uad8c\ub9ac \ud558\uc790\ub85c \uc778\ud55c \uc190\uc2e4 \ubc1c\uc0dd \uc2dc \ub300\ucd9c \uc6d0\uae08 \ubcf4\uc7a5 \ubc0f \ubd80\ub3d9\uc0b0 \uc99d\uad8c\ud654\uc5d0 \ub530\ub978 \ud22c\uc790\uc790 \ubcf4\ud638\uc7a5\uce58\ub85c \ud65c\uc6a9\ub418\ub294 \ub4f1, \uc8fc\ub85c \uae08\uc735\ub9ac\uc2a4\ud06c \uad00\ub9ac \uc218\ub2e8\uc73c\ub85c \uc0ac\uc6a9\ub418\uc5b4 \uc654\ub2e4. \ubc18\uba74 \uc77c\ubc18\uc18c\ube44\uc790\ub97c \uc704\ud55c \uc18c\uc720\uad8c\uc6a9 \ubd80\ub3d9\uc0b0\uad8c\ub9ac\ubcf4\ud5d8\uc740 \ub300\uc911\uc801 \uc778\uc9c0\ub3c4\uac00 \ub0ae\uace0 \uc0dd\uc18c\ud55c \uc81c\ub3c4\uc774\uae30 \ub54c\ubb38\uc5d0 \uc81c\ub3c4 \uc815\ucc29 \ubc0f \ud65c\uc131\ud654\ub97c \uc704\ud55c \ub300\uad6d\ubbfc \ud64d\ubcf4 \ub4f1 \uc544\uc9c1 \uac08 \uae38\uc774 \uba40\ub2e4. \ucd5c\uadfc [&hellip;]<\/p>","protected":false},"author":3,"featured_media":9439,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","footnotes":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[]},"categories":[27,12],"tags":[60],"yoast_head":"<!-- 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