Real Estate & Tax Β· π°π· Korea
Jeonse Risk Score (Korea)
Score the risk of a Korean jeonse deposit using debt ratio, auction recovery, and HUG/SGI insurance eligibility β in under a minute.
About this tool
Jeonse Risk Score (jeonse) tells Korean tenants whether a deposit is safe in under a minute. Enter deposit, sale price, senior debt from the property register, and house type (apartment / officetel / villa / detached) to compute (1) debt ratio = (deposit + senior debt) Γ· sale price Γ 100, (2) expected auction price using house-type recovery ratios, (3) deposit recovery amount and rate, (4) HUG / SGI guarantee eligibility (with extra checks against official price for villas / detached homes). Output is a 0β100 risk score in 4 tiers (Safe / Caution / Risk / Extreme). Includes a maximum-mortgage β actual-debt mode, the 5-step lease-registration procedure, a direct HUG hotline link, and a cross-link to the property-register guide (deungki).
Use cases
Scenario 1
Self-screen before a villa jeonse
A first-job worker checking a Seoul villa with β©240M deposit / β©300M price / β©50M senior mortgage runs the risk score and recovery rate to decide whether to sign.
Scenario 2
Block jeonse fraud risk early
If a new-build villa shows price β jeonse deposit, the tool flags 95%+ debt ratio and HUG-ineligible reasons β pushing the user to a different listing.
Scenario 3
Multi-household senior aggregation
For multi-household homes, the tool sums senior tenantsβ deposits and mortgages in the same building, simulates recovery, and produces leverage for deposit-reduction or mortgage-release negotiation.
Scenario 4
Pre-screen HUG eligibility
A tenant making the contract conditional on jeonse insurance pre-screens rejection grounds (126% of official price, 90% LTV, etc.).
Features
- 1-minute screen of debt ratio / recovery / HUG eligibility (4 inputs)
- House-type recovery ratios (apt ~85% / officetel ~78% / villa ~70% / detached ~65%)
- Maximum-mortgage β actual-debt mode (Γ·1.2)
- Auto-applied HUG official-price Γ 140% rule for villas / detached
- 5-step lease-registration procedure + HUG hotline shortcut
- Share URL + copy text + cross-link to deungki (register guide)
Frequently asked
- Q. What debt-ratio level is risky?
- A. MOLIT / HUG guidelines flag 80%+ as risky. The tool grades < 60% Safe, 60β80% Caution, 80β100% Risk, > 100% Extreme.
- Q. What is the difference between maximum mortgage and actual debt?
- A. A maximum mortgage is typically 110β130% of the actual loan. The tool offers a Γ·1.2 (120%) conversion mode.
- Q. Result says risky β what now?
- A. Pause the deal, or negotiate a deposit cut / mortgage-release clause. If HUG is unavailable, also check SGI; for clearly underwater listings, walk away first.
- Q. Are inputs uploaded?
- A. No. All calc happens in the browser (localStorage) with no server transmission.
Sources / references
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How we run it / disclaimer
This tool is advisory and does not constitute legal, tax, medical, or financial advice. All calculations and document generation run in your browser; inputs are never sent to a server. Ads follow Google AdSense policy and are kept separate from tool accuracy.