South Korea 2026 Property Registry (Deungibu) Reading Guide — Mortgage & Lien Checkpoints

How to read the South Korean property registry (deungibu deungbon): cover sheet · Section A (ownership) · Section B (mortgages & liens). Includes a Korean LTV safety calculator for jeonse / wolse renters.

🏛️Open Korea Supreme Court Internet Registry (IROS) — view and issue Korean property registryOpen official page ↗
🛡️ Korean Lease Safety LTV Quick Check
Estimated deposit safety (Korean rule of thumb)
⚠️ Caution — 80–90%
Estimated LTV: 83.3%
Formula: (senior claims + your deposit) ÷ market value = LTV. ≤80% recommended; >90% is highly risky and typically fails HUG insurance underwriting.

📋 Korean Property Registry Structure

SectionContentsCheckpoint
Cover sheet (표제부)Address, area, use, floors, structureVerify the contract address & area match
Section A — Ownership (갑구)Korean owner, sale/inheritance history, liens, attachments, auction, trustLandlord must equal the current Korean owner; trust or liens are red flags
Section B — Other rights (을구)Mortgages, jeonse rights, surface rights, tenant lien ordersSum mortgage maximum + senior tenants' deposits and check the safe LTV

👀 How to Read Korean Mortgages & Liens

Mortgage maximum claimSection B 'maximum claim'. Korean banks set 110–130% of actual loan. Eg. 130M KRW maximum ≈ 100M KRW actual loan
Mortgage cancellationMark a closing-day registry as 'cancelled (말소)' or include cancelled items. Senior, un-cancelled mortgages are dangerous
Lien presenceIf Section A shows '가압류 (lien)', confirm claim amount, creditor, and registration date
Jeonse / tenant lien rightsOther Korean tenants' deposits in Section A or B may rank ahead of you
Caution — changes after issuanceRe-issue the registry just before sending the closing payment to confirm no new mortgage was added

🚨 Korean Red Flags — Pause the Contract

  • Trust registration (수탁자) — settlor (landlord) may have no leasing right; verify the trust deed
  • Liens / attachments / provisional disposition — landlord debt dispute, deposit recovery risk
  • Senior mortgage maximum + other deposits > 80% of market value
  • Tenant lien order (임차권등기명령) — a previous Korean tenant left without a refund
  • Compulsory or voluntary auction commencement — immediate deposit recovery is hard
  • Old issuance date — always re-issue on the closing day

📝 4 Steps to Issue the Korean Registry (IROS)

  1. Visit Korea Supreme Court Internet Registry (iros.go.kr) → free signup or non-member login
  2. Search by Korean address or owner under 'Real estate → View / Issue'
  3. Pay 700 KRW (view) / 1,000 KRW (issue) via KB, NH, Shinhan, KakaoPay, etc.
  4. Tick 'Include cancelled items (말소사항 포함)' to see historical Korean rights changes

This page summarises public information from the Korea Supreme Court Internet Registry, the Ministry of Land, Infrastructure and Transport, and HUG (as of April 2026) for reference only. Korean property-rights interpretation and safe-LTV judgment depend on each case, and the simulator output has no legal effect. Before any actual lease or purchase decision, consult a Korean licensed real-estate agent, judicial scrivener (법무사), or attorney, and re-issue the Korean property registry on the closing day. This page applies to real estate located in the Republic of Korea only.

What is a Korean property registry (deungibu deungbon)?

The South Korean property registry (등기부등본) is the official rights record managed by the Korea Supreme Court Court Registry. Each Korean property registry has three sections: the cover sheet (표제부) describing the property; Section A (갑구) recording ownership history, liens (가압류), attachments (압류), provisional dispositions (가처분), trust registrations (신탁), and auction commencement; and Section B (을구) listing mortgages (근저당권), jeonse rights (전세권), surface rights (지상권), and tenant lien orders. Korean tenants and buyers must verify (1) the landlord matches the current Section A owner, (2) Section A has no liens, trust, or auction entries, and (3) Section B mortgage maximum + other Korean tenants' deposits stay within 80% of market value. The registry can be issued by anyone via the Korea Internet Registry (iros.go.kr, 700–1,000 KRW) or Korea Government24. Re-issuing the registry on the Korean closing day is the most basic step in preventing Korean jeonse fraud.

Why does the Korean mortgage maximum claim differ from the actual loan?

Korean banks set the maximum claim at 110–130% of the principal to cover unpaid interest. Eg. a 130M KRW maximum claim implies a roughly 100M KRW Korean loan. For safe-LTV calculations, treat the full maximum claim conservatively as senior debt.

Can I rent a Korean trust-registered property?

Verify the Korean trust deed to confirm the settlor (landlord) has leasing rights. Without trustee consent, the Korean lease can be void — consult a Korean attorney or judicial scrivener.

Are Korean residency report + fixed date alone sufficient?

Under the Korean Housing Lease Protection Act, residency report + occupancy + fixed date give opposable rights and priority recovery from the next day, but only against rights created after them. Senior mortgages and liens still rank ahead, so registry verification before signing is critical.

Why re-issue the Korean registry on the closing day?

If the Korean landlord borrows additional funds right after signing, the new mortgage could rank ahead of your deposit. Always pull a fresh 1,000 KRW issuance via the Korea IROS just before sending the closing payment.

Is a lien (가압류) always dangerous?

Liens may be released after the underlying lawsuit, but the existence of a Korean landlord debt dispute itself raises deposit-recovery risk. Without objective proof of imminent release, a hold on the contract is recommended.

Do Korean officetels and multi-household homes follow the same procedure?

Korean officetels and dasede have one registry per unit, so the same procedure works. Korean multi-household (dagagu) homes have one building-wide registry, so demand the Korean tenant roster and treat all other tenants' deposits as senior claims.

Korea 2026 Property Registry Guide — Mortgage, Lien, Trust Anti-Fraud Checklist

South Korea's property registry (등기부등본), issued by the Korea Supreme Court Internet Registry (iros.go.kr), has three sections: the cover sheet (property location, area, use), Section A — Ownership (current Korean owner, history, liens, attachments, provisional dispositions, trust, auction commencement), and Section B — Other Rights ((root) mortgages, jeonse rights, surface rights, tenant lien orders). Korean renters and buyers should verify (1) landlord matches the Section A current Korean owner, (2) Section A has no liens, trust registrations, or auction entries, and (3) Section B mortgage maximum + senior Korean tenants' deposits stay within 80% of the market value. Re-issuing the registry via Korea IROS (700 KRW view, 1,000 KRW issue) or Korea Government24 on the Korean closing day is essential. Korean trust-registered property requires a separate trust-deed check; Korean dagagu (multi-household) homes need a tenant roster. Combine with HUG Ansim Jeonse Portal and Korea MOLIT real-estate disclosure (rt.molit.go.kr) for accurate Korean market-value verification.

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