MoneyLog｜부동산·경제 인사이트

1. 등기부등본 어디서 발급받을까?
2. 등기부등본 3대 핵심 구역 확인법
3. 계약하면 안 되는 위험 신호
4. 최우선변제권 활용법
5. 계약 전 최종 체크리스트

1. How to Get a Registry Document
2. Three Key Sections to Check
3. Warning Signs You Must Avoid
4. Small Tenant Protection
5. Final Checklist Before Signing

안녕하세요. 돈이 되는 생활정보를 쉽고 정확하게 전해드리는 머니로그입니다.

전·월세 계약을 앞두고 있다면 가장 먼저 확인해야 할 서류가 있습니다. 바로 등기부등본입니다.

등기부등본에는 집주인이 누구인지, 집에 대출이 얼마나 있는지, 압류나 경매 같은 위험 신호가 있는지 모두 기록되어 있습니다.

특히 요즘은 전세뿐 아니라 월세 계약에서도 보증금을 노린 피해 사례가 발생하고 있어, “보증금이 적으니까 괜찮겠지”라는 생각은 위험할 수 있습니다.

이번 글에서는 전·월세 계약 전 반드시 확인해야 할 등기부등본 보는 법과 보증금을 지키는 핵심 체크포인트를 알기 쉽게 정리해드리겠습니다.

Hello, this is MoneyLog, sharing practical money and real estate tips in an easy-to-understand way.

Before signing a lease contract, one of the most important documents you must check is the property registry document.

This document shows who the real owner is, how much debt is attached to the property, and whether there are warning signs such as seizure, provisional seizure, or auction proceedings.

Recently, rental deposit scams have not only affected jeonse contracts but also monthly rent contracts. That is why checking the registry document before signing is essential.

In this post, we will explain how to read a property registry document and what key points to check to protect your valuable rental deposit.

| How to Check a Property Registry Document

Before signing a lease contract, you should always check the property registry document yourself. It is safer to review it again on the contract day rather than relying only on the copy provided by the real estate office.

You can check the document through the Supreme Court Internet Registry Office. If you only need to review it and do not need an official copy for submission, choosing the viewing option is more cost-effective than issuing an official copy.

| Three Key Sections of a Property Registry Document

A property registry document is mainly divided into three sections: the title section, Section A, and Section B. Before signing a lease contract, focus on these three parts.

① Title Section | Does the Address Match?

The title section shows the basic information of the property. The most important point is whether the address on the lease contract exactly matches the address on the registry document.

For apartments, officetels, and multi-family houses, make sure to check the building number and unit number carefully.

② Section A | Is the Owner Real?

Section A shows ownership-related information. The current owner listed on the registry document should match the person signing the contract.

It is also safer to transfer the deposit and balance to an account under the registered owner’s name.

③ Section B | How Much Debt Is Attached?

Section B shows rights such as mortgages or leasehold rights. The key point is to check the maximum secured debt amount.

If the mortgage amount is too high compared to the property value, your deposit may be at risk if the property goes to auction.

| Four Warning Signs You Should Never Ignore

When reviewing a property registry document, certain records may indicate financial or legal risks. These signs do not always mean you cannot sign the contract, but they require extra caution.

① Seizure

A seizure indicates that a government agency has restricted the owner's property rights due to unpaid taxes or other obligations.

② Provisional Seizure

A provisional seizure means a creditor has secured the property before completing a lawsuit or debt collection process.

③ Auction Commencement

If auction proceedings have already started, the property is at significant risk. Entering into a lease contract under these circumstances is generally not recommended.

④ Tenant Registration Claim

This record shows that a previous tenant had difficulty recovering their deposit and took legal action to protect their rights.

Even if the record has been removed, it may provide valuable information about the property's history.

What Do Red Lines Mean?

Red-lined records indicate rights or claims that have been cancelled or resolved. Although they are no longer effective, they can reveal important past issues related to the property.

| How Small Tenants Can Protect Their Deposits

Even if you carefully review a property before signing, unexpected situations may still occur. If the property is auctioned, the Small Tenant Protection System can help protect part of your deposit.

Qualified small tenants may receive a portion of their deposit before other creditors during the auction process.

How Is the Standard Date Determined?

The key date is usually based on the earliest active mortgage registration found in Section B of the registry document.

How to Check the Protected Amount

1. Visit the Internet Registry Office
2. Open the Information Guide section
3. Check the Small Tenant Protection table
4. Confirm the applicable region and date

The protection amount varies depending on the location and registration date.

Three Conditions for Priority Protection

• Meet the small tenant requirements
• Complete resident registration before auction registration
• Submit a distribution claim within the legal deadline

Missing any of these requirements may result in losing priority protection rights.

| Final Checklist Before Signing

• Check whether the contract address matches the registry document.
• Verify that the registered owner and the landlord are the same person.
• Transfer funds only to the owner's account.
• Review seizure, provisional seizure, or auction records.
• Check for any tenant registration claims.
• Review the mortgage amount carefully.
• Confirm resident registration and fixed-date registration eligibility.
• Check whether small tenant protection applies.