깡통전세 계약 만료에…올 전세보증 사고, 작년보다 68% ↓

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content="summary_large_image"> <meta name="twitter:title" content="깡통전세 계약 만료에…올 전세보증 사고, 작년보다 68% ↓"> <meta name="twitter:site" content="네이버 뉴스"> <meta name="twitter:creator" content="동아일보"> <meta name="twitter:image" content="https://imgnews.pstatic.net/image/020/2025/03/18/0003622026_001_20250318171008233.jpg?type=w800"> <meta name="twitter:description" content="올해 집주인이 전세 보증금을 제때 돌려주지 않아 발생한 전세반환보증 사고 규모가 1년 전의 30% 수준으로 줄어든 것으로 나타났다. 18일 주택도시보증공사(HUG)에 따르면 올해 1, 2월 전세반환보증 사고액은 29"> <meta name="napp-site-analysis" content="gdid=880000A9_000000000000000003622026,service=news,collection=news,section=101"> <title>깡통전세 계약 만료에…올 전세보증 사고, 작년보다 68% ↓</title> <link rel="stylesheet" href="https://static-nnews.pstatic.net/css/min/20250320/news.css"> <link rel="shortcut icon" type="image/x-icon" href="https://ssl.pstatic.net/static.news/image/news/m/2023/08/21/favicon.ico" /> <link rel="apple-touch-icon-precomposed" 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<span class="naver-splugin-c send_caption"><span class="u_hc">SNS 보내기</span></span> </a> </div> <div class="media_end_head_print"> <a href="#" class="media_end_print_link _PRINT_BUTTON" data-print-url="/article/print/020/0003622026" data-clk="print"><span class="blind">인쇄하기</span></a> </div> </div> </div> </div> </div> <div id="contents" class="newsct_body"> <div id="newsct_article" class="newsct_article _article_body"> <article id="dic_area" class="go_trans _article_content"> <span class="end_photo_org"><div class="nbd_im_w _LAZY_LOADING_WRAP "> <div class="nbd_a _LAZY_LOADING_ERROR_HIDE" id="img_a1"> <img id="img1" data-src="https://imgnews.pstatic.net/image/020/2025/03/18/0003622026_001_20250318171008233.jpg?type=w860" class="_LAZY_LOADING _LAZY_LOADING_INIT_HIDE" alt="뉴스1" style="display: none;" /> </div> </div><em class="img_desc">뉴스1</em></span>올해 집주인이 전세 보증금을 제때 돌려주지 않아 발생한 전세반환보증 사고 규모가 1년 전의 30% 수준으로 줄어든 것으로 나타났다. <br><br>18일 주택도시보증공사(HUG)에 따르면 올해 1, 2월 전세반환보증 사고액은 2981억 원으<br><br>로 집계됐다. 지난해 동기(9416억 원) 대비 68.3% 감소한 규모다. <br><br>전세반환보증 사고 위험이 큰 ‘깡통주택’ 전세 계약이 대부분 만료되면서 사고 규모도 줄어든 것으로 풀이된다. 이런 깡통주택 전세 계약은 2021년 전후 빌라 시장에서 집중적으로 이뤄졌다. 당시 금리가 낮았고 빌라 전세가도 높아 적은 자본으로도 갭투자가 가능했기 때문이다. <br><br>하지만 갭투자 이후 전세가가 하락하면서 2023, 2024년에 전세 보증금을 돌려주지 못하는 집주인이 크게 늘었다. 2021년 5790억 원이던 전세반환보증 사고액은 2022년 1조1726억 원, 2023년 4조3247억 원, 지난해 4조4896억 원으로 불어났다. HUG 측은 “2023년 5월부터 HUG 전세반환보증 가입 기준을 전세가율을 100% 이하 주택에서 90% 이하로 강화한 점도 보증 사고를 낮춘 요인으로 보인다”고 설명했다. <br><br>올해 1, 2월 HUG가 집주인 대신 갚아준 보증금(대위변제액)은 5418억 원으로, 전년 동기(6098억 원) 대비 11.2% 감소했다. <br><br> </article> </div> <div class="byline"> <p class="byline_p"> <span class="byline_s">이축복 기자 bless@donga.com</span> </p> </div> <div class="newsct_journalist"> <div class="newsct_journalist_inner"> <h4 class="blind">기자 프로필</h4> <div class="media_journalistcard _JOURNALIST_CARD _MORE_WRAP"> <div id="JOURNALIST_CARD_LIST" class="media_journalistcard_inner"> <div class="media_journalistcard_item _SUBSCRIBE_ELE" data-subscribe-type="JOURNALIST" data-current-subscribe="true"> <div class="media_journalistcard_item_inner"> <div class="media_journalistcard_intro"> <div class="media_journalistcard_summary"> <span class="media_journalistcard_summary_press _LAZY_LOADING_WRAP" data-show-type="block"> <img 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data-src="https://scs-phinf.pstatic.net/MjAyNTAzMjBfMzAg/MDAxNzQyNDQwOTUzOTE5.SSAGM2EYusVqzlh-dF42IVeHvEf5AfJCDV39_6fSwWsg.DiHL_IlM3qqS2EtV2Y_jxqYAQxnpsndvy7VUYhjxrMwg.JPEG/Screenshot_2025-03-20_at_12.21.49.JPG?type=nf190_130" alt="" data-scroll="true" class="_LAZY_LOADING" width="95" height="65"> </div> </div> </a> </li> <li class="rl_item _LAZY_LOADING_WRAP" data-loading-error-allowed="true"> <a href="https://contents.premium.naver.com/thebell/stock/contents/250326173331125fw?from=news_arp_global" class="rl_link_end" data-clk="arp.ptextg" data-score="0.8219356231200783" data-recommended-type="GLOBAL"> <div class="rl_content"> <p class="rl_txt"> '흑자전환 변곡점' 코어라인소프트, 해외 '자회사 수혈' 늘린다 </p> <div class="rl_author"> <div class="rl_author_thumb _LAZY_LOADING_ERROR_HIDE"> <img 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data-clk="arp.ptextg" data-score="1.2965889828525328" data-recommended-type="GLOBAL"> <div class="rl_content"> <p class="rl_txt"> Windsurf의 MCP(Model Context Protocol)로 개발 생산성 극대화하기 </p> <div class="rl_author"> <div class="rl_author_thumb _LAZY_LOADING_ERROR_HIDE"> <img data-src="https://scs-phinf.pstatic.net/MjAyMTEwMDJfMjM4/MDAxNjMzMTg2NDgwNTkx.AEDWvO23m08UeqhBx9oC3FeZcjRnhC4MIf-a0nfXMQQg.EjLi_x7_IHgmO54WeRT9HgZONWzD3c_gw_RJYL6Jtssg.JPEG/image%7Cpremium%7Cchannel%7Ccodetree%7C2021%7C10%7C02%7C1633186480573.jpg?type=nfs200_200" alt="" data-scroll="true" class="_LAZY_LOADING" width="18" height="18"> </div> <div class="rl_author_name">펀코딩</div> </div> </div> <div class="rl_img _LAZY_LOADING_ERROR_HIDE"> <div class="rl_border"> <img data-src="https://scs-phinf.pstatic.net/MjAyNTAzMjJfMTUg/MDAxNzQyNTc0NDEzNjY1.mOeXi2FSH1fjGduj1Ig68yUAVvcGxhXyyHyChTsx65Yg.3-_rxbsKrUkAOHrYYgfs9yUbglX1ZP31LdCoIy26llcg.PNG/Windsurf%EC%9D%98_MCP(Model_Context_Protocol)%EB%A1%9C_%EA%B0%9C%EB%B0%9C_%EC%83%9D%EC%82%B0%EC%84%B1_%EA%B7%B9%EB%8C%80%ED%99%94%ED%95%98%EA%B8%B0.png?type=nf190_130" alt="" data-scroll="true" class="_LAZY_LOADING" width="95" height="65"> </div> </div> </a> </li> <li class="rl_item _LAZY_LOADING_WRAP" data-loading-error-allowed="true"> <a href="https://contents.premium.naver.com/cogito275/275/contents/250326083700421yn?from=news_arp_global" class="rl_link_end" data-clk="arp.ptextg" data-score="0.7390021418351305" data-recommended-type="GLOBAL"> <div class="rl_content"> <p class="rl_txt"> 지금 현재 가장 좋은 테마 </p> <div class="rl_author"> <div class="rl_author_thumb _LAZY_LOADING_ERROR_HIDE"> <img data-src="https://scs-phinf.pstatic.net/MjAyNDExMjhfMTMx/MDAxNzMyODA0MTY3MTc4.69xtScxkAFvIsLVEwW3SlK0ssE1R0H-Zku2zQLnjJUMg.BdCFHUdfrKbRU4Sj70Ud6vwKVAY1w9nU3W0lSONlPoAg.PNG/image%7Cpremium%7Cchannel%7Ccogito275%7C2024%7C11%7C28%7C1732804167151.png?type=nfs200_200" alt="" data-scroll="true" class="_LAZY_LOADING" width="18" height="18"> </div> <div class="rl_author_name">코지토x파동이 투자 이야기</div> </div> </div> <div class="rl_img _LAZY_LOADING_ERROR_HIDE"> <div class="rl_border"> <img data-src="https://scs-phinf.pstatic.net/MjAyNTAzMjZfODkg/MDAxNzQyOTQzNjYwNzY5.eo7RF5NoYp-o8bY0PwNlOPFP3oXpG9sK9gzkwCQ5b3cg.hOLHppg4fsf2m6-B4hvKj4Z_li3pkC-KeDyi9Oyh5mgg.PNG/image.png?type=nf190_130" alt="" data-scroll="true" class="_LAZY_LOADING" width="95" height="65"> </div> </div> </a> </li> </ul> </div> </div> </div> <div class="pg ra_paginate"> <div class="pg_num_area pg_num_area_v2"> <button type="button" class="pg_btn_prev _FLICKING_PREV" data-clk="arp.bprv"><span class="blind">이전 콘텐츠들 보기</span></button> <div class="_FLICKING_INDICATOR" data-count="3"></div> <div class="pg_line"></div> <div class="pg_num pg_num">3</div> <button type="button" class="pg_btn_next _FLICKING_NEXT" data-clk="arp.bnxt"><span class="blind">다음 콘텐츠들 보기</span></button> </div> </div> <script type="x-tmpl-mustache" class="_FLICKING_INDICATOR_TEMPLATE _PC"> {{#selected}} <div class="pg_num pg_num_cur">{{number}}</div> {{/selected}} </script> </div> </div> </div> <div class="outside_area _OUTSIDE_AREA"> <div class="outside_area_inner _GRID_TEMPLATE_COLUMN_ASIDE _OUTSIDE_AREA_INNER"></div> </div> <aside class="main_aside _MAIN_ASIDE"> <div class="main_aside_inner _MAIN_ASIDE_INNER"> <h3 class="blind">구독</h3> <script type="x-tmpl-mustache" class="_LAZY_LOADING_IFRAME"> <iframe class="_aside _GRID_TEMPLATE_ASIDE_IFRAME" src="https://news.naver.com/aside?oid=020" data-allow-domain="https://news.naver.com" style="visibility: hidden;" frameborder="no" scrolling="no" width="100%" title="구독 및 추천 채널"></iframe> </script> </div> </aside> </div> </div> <div class="media_end_tts_ticker _FADE_LAYER" id="_media_end_tts_ticker" style="display: none;"> <p class="media_end_tts_ticker_text" style="display: block;">본문 듣기를 <em class="media_end_tts_ticker_point">종료</em>하였습니다.</p> </div> <div class="tomain_ticker _TOMAIN_RECOMMAND_LAYER _FADE_LAYER" style="display: none;">이 기사를 <em class="tomain_ticker_point">추천</em>했습니다. </div> <div class="tomain_ticker _TOMAIN_CANCEL_LAYER _FADE_LAYER" style="display: none;">추천을 <em class="tomain_ticker_point">취소</em>했습니다. </div><hr> <div class="u_ft _STICKY_FOOTER"> <div class="u_ft_inner"> <footer role="contentinfo"> <p class="u_cr"> <span class="u_ftm"> <span class="u_cri u_cri_v1"> <a href="https://nid.naver.com/nidlogin.login?svctype=262144" class="u_cra _LINK" data-url="https://nid.naver.com/nidlogin.login?svctype=262144" data-pc-url="https://nid.naver.com/nidlogin.login" data-clk="fot.login">로그인</a> </span> <span class="u_cri u_cri_v1"> <a href="https://m.naver.com/services.html?f=svc.news" class="u_cra _LINK" data-url="https://m.naver.com/services.html?f=svc.news" data-pc-url="https://www.naver.com/more.html" data-clk="fot.serviceall">전체서비스</a> </span> </span> <span class="u_ftm"> <span class="u_cri u_cri_v1"> <a href="https://news.naver.com/ombudsman" class="u_cra" data-clk="fot.guide">서비스안내</a> </span> <span class="u_cri u_cri_v1"> <a href="https://help.naver.com/alias/news/news_001.naver" class="u_cra" data-clk="fot.report">오류신고</a> </span> <span class="u_cri u_cri_v1"> <a href="https://help.naver.com/alias/news/news_007.naver" class="u_cra" data-clk="fot.help">고객센터</a> </span> </span> <span class="u_charge"> <a href="https://news.naver.com/ombudsman/edit" class="u_charge_item" data-clk="fot.editor">기사배열 책임자 : 김수향</a> <span class="u_charge_item">청소년 보호 책임자 : 이정규</span> </span> <span class="u_presscopy"> 각 언론사가 직접 콘텐츠를 편집합니다. <span class="u_presscopy_a">ⓒ 동아일보</span> </span> <span class="u_copyright"> 이 콘텐츠의 저작권은 저작권자 또는 제공처에 있으며, 이를 무단 <br>이용하는 경우 저작권법 등에 따라 법적 책임을 질 수 있습니다. </span> <span class="u_naverlogo"> <a href="https://www.navercorp.com" class="u_naverlogo_a" data-clk="fot.navercorp">NAVER</a> </span> </p> </footer> </div> </div> <a href="#" class="r_pg_top show _MOVE_TOP" id="goTop" data-clk="fot.top" style="display:none;">맨위로</a> <div id="_MY_FEED_CANCEL_MODAL" class="subscribe_dimmed is_hidden" style="display:none;"> <div class="subscribe_alert"> <p class="subscribe_alert_p _message _MY_FFED_CANCEL_MODAL_MESSAGE"> </p> <div class="subscribe_alert_btns"> <a href="#" class="subscribe_alert_btn _CANCEL_YES_BTN _TOGGLE" data-target="_MY_FEED_CANCEL_MODAL" data-classValue="is_hidden">예</a> <a href="#" class="subscribe_alert_btn _TOGGLE" data-target="_MY_FEED_CANCEL_MODAL" data-classValue="is_hidden">아니오</a> </div> </div> </div> <script type="x-tmpl-mustache" class="_MY_FEED_CANCEL_MODAL_TEMPLATE"> {{#series}} <span class="subscribe_alert_p_ellipsis">{{value}}</span><br>연재 구독을 취소하시겠습니까? <span class="subscribe_alert_p_dsc">해당 연재는 <em>구독</em>에서 제외됩니다.</span> {{/series}} {{#journalist}} {{value}} 기자의 기사<br> 구독을 취소하시겠습니까? <span class="subscribe_alert_p_dsc"><em>구독</em>에서 해당 기자의 기사가 제외됩니다.</span> {{/journalist}} </script> <div id="_MODAL_LAYER_FOR_NOTIFICATION" class="modal is_hidden"></div> <div id="_MODAL_LAYER_FOR_NOTIFICATION_ALL" class="modal is_hidden"></div> <div id="_MODAL_LAYER_FOR_NOTIFICATION_OS" class="modal is_hidden"></div> <script type="x-tmpl-mustache" class="_MODAL_LAYER_TEMPLATE_FOR_NOTIFICATION"> <div class="m_dimmed"></div> <div class="m_notification is_single"> <strong class="mn_ok">구독완료</strong> {{#officeInfos}} <div class="mn_text"> <h4 class="mn_h">{{officeName}} 뉴스를 <br> <span class="m_em">알림</span>으로 받아 보시겠습니까?</h4> <p class="mn_p">언론사의 주요 콘텐츠를 <br> 네이버에서 빠르게 확인할 수 있습니다.</p> </div> {{/officeInfos}} <div class="mn_btns"> <button type="button" class="mn_btn _MODAL_LAYER_NEGATIVE" data-clk="{{nclk}}no">닫기</button> <button type="button" class="mn_btn as_em _MODAL_LAYER_POSITIVE" data-clk="{{nclk}}yes">알림받기</button> </div> </div> </script> <script type="x-tmpl-mustache" class="_MODAL_LAYER_TEMPLATE_FOR_NOTIFICATION_ALL"> <div class="m_dimmed"></div> <div class="m_notification"> <strong class="mn_ok">구독완료</strong> <div class="mn_text"> <h4 class="mn_h">언론사의 주요 뉴스를 <br> <span class="m_em">알림</span>으로 받아 보시겠습니까?</h4> <ul class="mn_list"> {{#officeInfos}} <li class="mn_item"> <div class="mn_head"> <div class="mn_img"> <img src="{{logo}}" alt="" onerror="this.outerHTML='<span class="no_image"></span>'"> </div> <div class="mn_name">{{officeName}}</div> </div> <div class="mn_body"> <button type="button" class="mn_noti _ALL_OFFICES_NOTIFICATION_ITEM" data-oid="{{officeId}}" data-clk-add="notchnon" data-clk-remove="notchnoff">알림받기 사용함</button> </div> </li> {{/officeInfos}} </ul> </div> <div class="mn_btns"> <button type="button" class="mn_btn _MODAL_LAYER_NEGATIVE" data-clk="{{nclk}}no">닫기</button> <button type="button" class="mn_btn as_em _MODAL_LAYER_POSITIVE _CHANNEL_BANNER_ITEM_NOTICE_COMPLETE" data-clk="{{nclk}}yes">완료</button> </div> </div> </script> <script type="x-tmpl-mustache" class="_MODAL_LAYER_TEMPLATE_FOR_NOTIFICATION_OS"> <div class="m_dimmed"></div> <div class="napp_notify_notice"> <div class="napp_notify_info_area"> <strong class="napp_notify_title">네이버 앱 푸시알림이 꺼져있어요.</strong> <div class="napp_notify_desc_box"> <p class="napp_notify_desc1">네이버 앱 알림켜기 > 알림탭 > 알림허용</p> <p class="napp_notify_desc2">버튼을 눌러 앱 알림 설정을 켜주세요.</p> </div> </div> <div class="napp_notify_button_area"> <button type="button" class="napp_notify_btn _MODAL_LAYER_NEGATIVE" data-clk="{{nclk}}.osnotoff">닫기</button> <button type="button" class="napp_notify_btn highlight _MODAL_LAYER_POSITIVE _NAPP_NOTIFY_COMPLETE" data-clk="{{nclk}}.osnoton">네이버 앱 알림 켜기</button> </div> </div> </div> </script> <div id="_MODAL_DIALOG_WRAP" style="display: none;"></div> <script type="x-tmpl-mustache" class="_MODAL_DIALOG_TEMPLATE"> <div class="nds_dialog_dimmed"> <div class="nds_dialog_basic"> <div class="nds_dialog_content"> {{#isTextType}} <p class="nds_dialog_text">{{content.title}}</p> {{/isTextType}} {{#isTitleType}} <strong class="nds_dialog_title"> <span class="nds_dialog_title_ellipsis">{{content.headTitle}}</span> {{content.title}} </strong> <p class="nds_dialog_description">{{content.description}}</p> {{/isTitleType}} </div> <div class="nds_dialog_button_area"> <div class="nds_button_main_action as_layout_5_5"> {{#isCancel}} <button type="button" class="nds_button_wide _MODAL_CANCEL"{{#content.clk.cancelClk}} data-clk="{{content.clk.cancelClk}}"{{/content.clk.cancelClk}}> {{content.cancelMessage}} </button> {{/isCancel}} <button type="button" class="nds_button_wide as_primary _MODAL_CONFIRM"{{#content.clk.confirmClk}} data-clk="{{content.clk.confirmClk}}"{{/content.clk.confirmClk}}> {{content.confirmMessage}} </button> </div> </div> </div> </div> </script> <div id="_MODAL_TOAST" style="display: none;"></div> <script type="x-tmpl-mustache" class="_MODAL_TOAST_TEMPLATE"> <div class="nds_popover_toast as_center"> <div class="nds_toast_text_area"> <div class="nds_toast_text_area"><span class="nds_toast_ellipsis_text"><strong>{{toastTitle}}</strong></span> {{toastMessage}}</div> </div> </div> </script> <div id="_TICKER_LAYER_FOR_NOTIFICATION" class="ticker" style="display: none;"></div> <script type="x-tmpl-mustache" class="_TICKER_LAYER_TEMPLATE_FOR_NOTIFICATION"> {{#officeInfos}} <p class="t_inner"><em class="t_point">{{officeName}}</em> 언론사 알림이 설정되었습니다.</p> {{/officeInfos}} </script> <script src="https://static-nnews.pstatic.net/js/min/20250320/library.min.js" crossorigin="anonymous" onerror="neloSender.sendErrorToNelo('스크립트 로딩 에러 : ' + this.src);"></script> <script src="https://static-nnews.pstatic.net/js/min/20250320/read.min.js" crossorigin="anonymous" onerror="neloSender.sendErrorToNelo('스크립트 로딩 에러 : ' + this.src);"></script> <script> window.ntm = window.ntm || []; var ntmOption = {}; if (ntmOption) { var section = {"id":"101","name":"경제"}; var redirectSection = {"id":"101","name":"경제"}; ntmOption["channelId"] = article.officeId; // 기타 또는 주요 섹션 이름 var nilSendSectionName = "기타"; var nilSendSectionId = ""; if (/100|101|102|103|104|105|106|107/.test(section.id)) { nilSendSectionName = section.name; nilSendSectionId = section.id; } // 기사 타입 var htArticleTypeName = { "0": "text", "1": "photo", "2": "tv" }; var articleTypeName = htArticleTypeName[article.type] || ""; ntmOption["hitType"] = "cv"; ntmOption["eventCategory"] = "post_view"; ntmOption["uri"] = "http://news.naver.com/main/read.nhn?oid=020&aid=0003622026"; ntmOption["gdid"] = article.gdid; ntmOption["dimension1"] = encodeURIComponent(nilSendSectionName); ntmOption["dimension4"] = articleTypeName; ntmOption["optional2"] = nilSendSectionId; var journalistIdList = []; // 기자 목록 $("._JOURNALIST_CARD ._JOURNALIST_ID").each(function (index, object) { var $this = $(object); var journalistId = $this.attr("data-journalistId"); if (journalistId && journalistIdList.indexOf(journalistId) === -1) { journalistIdList.push(journalistId); } }); if (journalistIdList.length > 0) { ntmOption["dimension3"] = journalistIdList.join("___"); } if (location.href.match(/ntype=RANKING/)) { ntmOption["dimension5"] = "y"; } if (service.sports || service.newsType) { ntmOption["dimension2"] = article.sectionInfo.secondSection + "." + article.sectionInfo.thirdSection; } var seriesComponentId = $("._VALID_SERIES").attr("data-component-id"); ntmOption["dimension6"] = seriesComponentId; var issueComponentId = $("._ISSUE_ARTICLE_INFO").attr("data-component-id"); ntmOption["dimension8"] = issueComponentId; if (/[?|&]type=breakingnews(&|$)/.test(location.href) === true) { if (/(m\.naver\.com)|(media\.naver\.com)|(news\.naver\.com\/?$)|(www\.naver\.com)/.test(document.referrer) === true) { ntmOption["dimension7"] = "breaking"; } } var ntmLeaveOption = $.extend({}, ntmOption); ntmLeaveOption["hitType"] = "event"; ntmLeaveOption["eventCategory"] = "action"; ntmLeaveOption["eventAction"] = "leave"; if (/\/article\/comment\//.test(location.href) == false && $("#contents").length > 0) { if (window.addEventListener) { window.addEventListener("load", function () { ntm.push({ event: "nilSend", ni: ntmOption }); }, false); window.addEventListener("onpagehide" in window ? 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