월･전세 전환배율의 적정성 검토 및 개선방안에 관한 연구

Review on the Appropriateness of the Conversion Magnification Rate of Monthly Rent and Lump Sum Deposit System(Jeonse) and Study on Improvement Measures

본 연구는 최근 금리의 급속한 하락으로 전세가 월세로 전환됨에 따라 전세공급은 감소하고, 월세공급이 증가하고 있다. 이러한 상황에서 전세로 인한 중개보수와 월세로 인한 중개보수의 불균형 현상이 나타나고 이를 해소하기 위한 방안을 모색하였다. 우선 금리적용에서는 한국은행의 기준금리와 한국감정원의 전월세전환율에 대해 살펴본 결과, 월세×100은 기준금리 5.25%와 전월세전환율 12%를 가정한 상황에서 규정된 것이고, 현재의 기준금리 1.5%와 전월세전환율 5.6%는 예전에 비해 30% 수준이기 때문에 월전세전환배율은 조정하여야 한다. 그리고 임대차 거래금액별 월전세전환배율에 따른 중개보수의 차이로 현재의 0.4%~0.5%의 전월세전환율에서는 적정한 월전세 전환배율이 ×200이 적정 수준이다. 지금까지 기준금리, 전월세전환율, 적정 월･전세 전환배율, 구간별 현실적인 적정 월･전세 전환배율을 살펴본 결과, 가장 합당한 월･전세 전환배율은 ×200이다.

House owners are switching from lump sum deposit system (jeonse) to monthly rent system due to recent rapid decline in interest rates, and the number of houses leased on jeonse system is decreasing and the number of houses leased on monthly rent is increasing. This led to the imbalance in the brokerage charges for the type of lease depending on the amount of transaction, and this study sought a solution for such a problem. First, for the application of the interest rate, this study examined the base rate announced by the Bank of Korea and the conversion rate for jeonse-to-monthly rent announced by Korea Appraisal Board and found that monthly rent×100 was determined based on the condition where base rate is 5.25% and the conversion rate for jeonse-to-monthly rent is 12% and that the conversion magnification rate of monthly rent and jeonse shall be adjusted as current base rate (1.5%) and the conversion rate for jeonse-to-monthly rent (5.6%) are roughly 30% of the previous rates. Also, the conversion magnification rate of monthly rent and jeonse of ×200 would be appropriate for current the conversion rate for jeonse-to-monthly rent, which is 0.4%~0.5%, due to the difference in the brokerage charges based on the conversion magnification rate of monthly rent and jeonse for lease amount. The base rate, the conversion rate for jeonse-to-monthly rent, appropriate conversion magnification rate of monthly rent and jeonse, realistic conversion magnification rate of monthly rent and jeonse in each section were examined, and the most appropriate conversion magnification rate of monthly rent and jeonse was ×200.